HSBC Home Loans

HSBC Home Loan for Purchase of Private Property

HSBC Home Loan for Refinancing of Private Property

HSBC Home Loan for Purchase of HDB Flat

HSBC Home Loan for Refinancing of HDB Flat

Do note that the rates below are indicative. For the best home loans specific to you, please contact us or use the Finko home loan comparison.

Home Loan for Purchase of Private Property
Minimum mortgage of $200,000
Year 1	1M SORA + 0.45%
Year 2	1M SORA + 0.45%
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	50% waiver of lock-in penalty if property is sold Free switching to another loan package within the bank anytime Rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%
Year 1	2.65% (Fixed)
Year 2	1M SORA + 1.00%
Year 3	1M SORA + 1.00%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%
Minimum mortgage of $1,000,000
Year 1	2.65% (Fixed)
Year 2	1M SORA + 1.00%
Year 3	1M SORA + 1.00%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%
Year 1	2.63% (Fixed)
Year 2	2.63% (Fixed)
Year 3	1M SORA + 1.00%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%
Year 1	2.65% (Fixed)
Year 2	2.65% (Fixed)
Year 3	1M SORA + 1.00%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%

Home Loan for Refinancing of Private Property
Minimum mortgage of $200,000
Year 1	1M SORA + 0.45%
Year 2	1M SORA + 0.45%
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	50% waiver of lock-in penalty if property is sold Free switching to another loan package within the bank anytime Rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%
Year 1	2.65% (Fixed)
Year 2	1M SORA + 1.00%
Year 3	1M SORA + 1.00%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%
Minimum mortgage of $1,000,000
Year 1	2.65% (Fixed)
Year 2	1M SORA + 1.00%
Year 3	1M SORA + 1.00%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%
Year 1	2.63% (Fixed)
Year 2	2.63% (Fixed)
Year 3	1M SORA + 1.00%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%
Year 1	2.65% (Fixed)
Year 2	2.65% (Fixed)
Year 3	1M SORA + 1.00%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%

Home Loan for Purchase of HDB Flat
Minimum mortgage of $200,000
Year 1	1M SORA + 0.45%
Year 2	1M SORA + 0.45%
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	50% waiver of lock-in penalty if property is sold Free switching to another loan package within the bank anytime Rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%
Year 1	2.65% (Fixed)
Year 2	1M SORA + 1.00%
Year 3	1M SORA + 1.00%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%
Minimum mortgage of $1,000,000
Year 1	2.65% (Fixed)
Year 2	1M SORA + 1.00%
Year 3	1M SORA + 1.00%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%
Year 1	2.63% (Fixed)
Year 2	2.63% (Fixed)
Year 3	1M SORA + 1.00%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%
Year 1	2.65% (Fixed)
Year 2	2.65% (Fixed)
Year 3	1M SORA + 1.00%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%

Home Loan for Refinancing of HDB Flat
Minimum mortgage of $200,000
Year 1	1M SORA + 0.45%
Year 2	1M SORA + 0.45%
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	50% waiver of lock-in penalty if property is sold Free switching to another loan package within the bank anytime Rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%
Year 1	2.65% (Fixed)
Year 2	1M SORA + 1.00%
Year 3	1M SORA + 1.00%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%
Minimum mortgage of $1,000,000
Year 1	2.65% (Fixed)
Year 2	1M SORA + 1.00%
Year 3	1M SORA + 1.00%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%
Year 1	2.63% (Fixed)
Year 2	2.63% (Fixed)
Year 3	1M SORA + 1.00%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%
Year 1	2.65% (Fixed)
Year 2	2.65% (Fixed)
Year 3	1M SORA + 1.00%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%