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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. 

Finance your dream home with HSBC Premier

Enjoy preferential interest rates as low as 2.05% p.a.[@tc-apply] for your home loan. Plus, get up to SGD3,500 cash incentive[@tc-apply] when you refinance your home loan to us.

 

Applicable with a loan amount of at least SGD1,000,000 and a total relationship balance of at least SGD200,000 with HSBC Premier. 

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

Introduce your family and friends to HSBC Home Loans

From 1 January 2025 to 31 December 2025, get up to SGD1,000 cash credit when you refer your friends or family to take up an HSBC home loan.

  • Get SGD300 cash credit for loan amount of SGD200,000 to below SGD1,000,000.
  • Get SGD800 cash credit for loan amount of SGD1,000,000 to below SGD3,000,000.
  • Get SGD1,000 cash credit for loan amount of SGD3,000,000 and above.

Terms and conditions apply(PDF, 90.5KB).

Green Mortgage

For properties with a valid Green Mark GoldPLUS or above award

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

You can enjoy an evergreen waiver of the conversion fee for repricing.

Safeguard and protect your home

With HSBC Group Mortgage Protector, enjoy affordable death, total and permanent disability and terminal illness coverage to protect your family if the unexpected happens. 

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.
Find out how to manage your home loan the way you want to.

Apply now

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

Additional information

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Check out our wide range of offers and rewards that help you make your money go further.
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