!
Top of main content

HighAdvance Mortgage

If a large down payment is difficult for you to manage, a HighAdvance mortgage can help. You can borrow up to 80%1 of your home's purchase price or property valuation (whichever is lower) with premium pay for mortgage insurance cover.

  • Stretch for your dream home or buy a property without the large initial down payment
  • A simple application process with personal help from HSBC mortgage specialists



Benefits

  • Stretch for your dream home or buy a property without the large initial down payment
  • 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 branch

Find your nearest branch

Property valuation tool

Estimate the 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.


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 The mortgage loan amount is capped at 80% of the property purchase price or property valuation (whichever is lower) provided that mortgage insurance cover is made available by The Hong Kong Mortgage Corporation Limited and subject to their latest guideline. Regular salaried first time homebuyers with a maximum debt-to-income ratio of 45% may still be eligible for the maximum MIP cover of 90% LTV.
2 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.
3 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.