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Fixed Rate Mortgage Plan

For the initial period of your loan term (i.e. the first year), you’ll enjoy a fixed mortgage interest rate to avoid fluctuations in the monthly repayment amount.


  • Enjoy a more stable interest rate throughout the initial period
  • More control over your monthly financial commitment with a fixed repayment amount
  • To offset part of your mortgage interest expense, holders of HSBC Premier, HSBC Advance or Personal Integrated Accounts can opt for a Deposit-linked Mortgage Repayment Planfootnote3 to enjoy a preferential interest rate at the same rate as the mortgage interest rate on your savings balance up to 50% of the remaining balance of your mortgage
  • A simple application process with personal help from HSBC mortgage specialists



Fees & charges

Key Facts Statement

Why consider/Why not consider

Benefits

  • Enjoy a more stable interest rate throughout the initial period
  • More control over your monthly financial commitment with a fixed repayment amount

  • To offset part of your mortgage interest expense, holders of HSBC Premier, HSBC Advance or Personal Integrated Accounts can opt for a Deposit-linked Mortgage Repayment Planfootnote3 to enjoy a preferential interest rate at the same rate as the mortgage interest rate on your savings balance up to 50% of the remaining balance of your mortgage
  • 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.