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HSBC Home Loans

Customise a home loan that meets your lifestyle and financial needs.

Start your journey to your ideal home

Whether you're a first-time home buyer or looking to refinance your existing loan, we're here to help you find a home loan package that's right for you. 

HSBC Home Loan benefits

Enjoy the flexibility to choose a fixed rate, floating rate, or a combination of both.
HSBC SmartMortgage reduces your home loan interest with interest you earn on deposits from your current account.
Qualify for HSBC Premier when you take up a Singapore property loan of at least SGD1 million or an Australian property loan of at least AUD/SGD200,000.

Choose your ideal interest rate package

  • Fixed interest rates
    Enjoy financial stability by fixing the interest rate on your loan for the first 2 or 3 years.
  • Floating interest rates
    Choose a 1-month or 3-month Compounded SORA (Singapore Overnight Rate Average) as your interest rate benchmark.
  • Combine fixed and floating interest rates
    Enjoy both financial stability and flexibility by having part of your loan under a fixed rate, and the remainder pegged to a floating rate.

Explore our exclusive home loan offers

Refinance your existing loan with HSBC

Apply online to move your home loan to one of our interest rate packages. You can also receive additional 0.10% cash incentive on your refinancing loan amount. Terms and conditions apply.

  • Step 1: Submit your contact details to arrange a callback.
  • Step 2: Our Mortgage Specialists will be in touch shortly to discuss our home loan options with you.

Introduce your family and friends to HSBC Home Loans

From 1 January 2023 to 31 December 2023, get up to SGD1,200 cash credit when you refer your friends or family to take up an HSBC home loan.

  • Get SGD400 cash credit for loan amount of SGD200,000 to below SGD800,000.
  • Get SGD800 cash credit for loan amount of SGD800,000 to below SGD1,500,000.
  • Get SGD1,200 cash credit for loan amount of SGD1,500,000 and above.

Terms and conditions apply.

Green Mortgage

For properties with a valid Green Mark GoldPLUS or above award

Check if your property has a valid Green Mark award by visiting the Green Mark buildings directory, or by getting in touch with our Mortgage Specialists.

You can enjoy exclusive Green Mortgage offers: 

  • Get 0.05% off the prevailing Premier interest rate packages for the first 2 years.
  • Enjoy an evergreen waiver of the conversion fee for repricing.
  • Receive a Geneco reward code worth SGD100. Consider Geneco's Power Eco Add-on to make your electricity plans greener. Terms and conditions apply.

What would you like to do?

HSBC Home Loans are the ideal way to start financing your dream home.
Enjoy savings on your monthly repayments by refinancing your existing loan.
Tap into the value of your home to capture investment or business opportunities.

Apply now

Leave us your contact details and we'll be in touch shortly to discuss HSBC Home Loans with you.

Have a home loan with us already? Find out how to manage your home loan the way you want to.

Additional information

Fire insurance policy 

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