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Deposit-linked Mortgage

If you’re an HSBC Premier, HSBC Advance or Personal Integrated Account customer, you can enjoy a preferential interest rate with our Deposit-linked Mortgage Repayment Plan. We'll match your savings interest rate to your mortgage interest rate for part of your deposit giving you better returns on your savings deposit and greater flexibility in managing your finances and wealth.


  • Enjoy higher interest on your savings and reduced interest on your mortgage loan
  • Earn preferential interest on your savings balance up to an amount equal to 50% of the remaining balance on your mortgage
  • Manage your mortgage and savings easily through separate accounts
  • A simple application process with personal help from HSBC mortgage specialists



Fees & charges

Why consider/Why not consider

Benefits

  • Enjoy higher interest on your savings and reduced interest on your mortgage loan
  • Earn preferential interest on your savings balance up to an amount equal to 50% of the remaining balance on your mortgage

  • Manage your mortgage and savings easily through separate accounts
  • A simple application process with personal help from HSBC mortgage specialists

How to apply

HSBC Personal Internet Banking customers

Use your Security Device / Mobile Security Key to log on and apply

Log on

HSBC customers without a Security Device / Mobile Security Key

Request an appointment

Arrange to see one of our mortgage specialists

Request an appointment

By Phone

Call (852) 2748 8080(852) 2748 8080

At an HSBC Mortgage Centre or Branch

Find your nearest Mortgage Centre

Find your nearest branch

Property valuation tool

Estimate the current value of a flat in major estates of Hong Kong with our simple address-based tool.

Mortgage calculators

Learn how much you can borrow and calculate repayment amounts. You can also see what you can save with a Deposit-linked Mortgage.

Home related loans

Manage your cash flow more easily with loans to cover a variety of expenses.

Repayment plan options

Own your home sooner and save on interest or repay less in the earlier years.

Home related insurance

Protect your new home with policies that cover your home's structure against hazard, your belongings and more.


Contact us

Arrange to see one of our mortgage specialists

Request an appointment

By phone

Call (852) 2748 8080(852) 2748 8080

At an HSBC Mortgage Centre or Branch

Find your nearest Mortgage Centre

Find your nearest branch

Tweet us

@HSBC_HK

To borrow or not to borrow?
Borrow only if you can repay!

Remarks Select to Expand Select to Collapse

1 Hong Kong Interbank Offered Rate (HIBOR) as at any date means the Hong Kong Interbank Offered Rate for the interest period of 1 month for Hong Kong Dollars quoted by The Hongkong and Shanghai Banking Corporation Limited at or about 11:00 a.m. (Hong Kong time) on such date. This HIBOR quoted by The Hongkong and Shanghai Banking Corporation Limited is not necessarily the same as HKD Interest Settlement Rates published by The Hong Kong Association of Banks.
2 Best Lending Rate (BLR) refers to the Hong Kong Dollar Best Lending Rate quoted by The Hongkong and Shanghai Banking Corporation Limited from time to time.
3 Deposit-linked mortgages are exclusively for HSBC Premier, HSBC Advance and Personal Integrated Account holders.