HSBC Home Loan
Whatever home means to you, get one step closer by taking advantage of HSBC’s suite of Home Loan packages.
  • Choice of fixed rates, SIBOR-pegged rate or Time Deposit-pegged Mortgage rate
  • More savings with HSBC SmartMortgage
  • Exclusive HSBC Premier/Advance privileges and benefits

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Promotion

Enjoy options of two-year or three-year fixed rates, SIBOR-pegged rates or Time Deposit-pegged Mortgage(TMDR) rates1

Enjoy rates from as low as 1.86% p.a.

Premier

Fixed rate package
 Minimum loan size
 Year 1
 Year 2
 Year 3
 Thereafter
2-Year
 S$800,000
 1.86% p.a. (Fixed)
 1.86% p.a. (Fixed)
 SIBOR + 0.75% p.a.
 SIBOR + 0.75% p.a.
3-Year
 S$800,000
 1.92 % p.a. (Fixed)
 1.92 % p.a. (Fixed)
 1.92 % p.a. (Fixed)
 SIBOR + 0.75% p.a.

Premier

Fixed rate package
 2-Year
Minimum loan size
 S$800,000
Year 1
 1.86% p.a. (Fixed)
Year 2
 1.86% p.a. (Fixed)
Year 3
 SIBOR + 0.75% p.a.
Thereafter
 SIBOR + 0.75% p.a.
Fixed rate package
 3-Year
Minimum loan size
 S$800,000
Year 1
 1.92 % p.a. (Fixed)
Year 2
 1.92 % p.a. (Fixed)
Year 3
 1.92 % p.a. (Fixed)
Thereafter
 SIBOR + 0.75% p.a.

Advance

Fixed rate package
 Minimum loan size
 Year 1
 Year 2
 Year 3
 Thereafter
2-Year
 S$200,000
 1.87% p.a. (Fixed)
 1.87% p.a. (Fixed)
 SIBOR + 0.75% p.a.
 SIBOR + 0.75% p.a.
3-Year
 S$200,000
 1.93% p.a. (Fixed)
 1.93% p.a. (Fixed)
 1.93% p.a. (Fixed)
 SIBOR + 0.75% p.a.

Advance

Fixed rate package
 2-Year
Minimum loan size
 S$200,000
Year 1
 1.87% p.a. (Fixed)
Year 2
 1.87% p.a. (Fixed)
Year 3
 SIBOR + 0.75% p.a.
Thereafter
 SIBOR + 0.75% p.a.
Fixed rate package
 3-Year
Minimum loan size
 S$200,000
Year 1
 1.93% p.a. (Fixed)
Year 2
 1.93% p.a. (Fixed)
Year 3
 1.93% p.a. (Fixed)
Thereafter
 SIBOR + 0.75% p.a.

Fixed rate package 

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SIBOR-pegged package 

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TMDR-pegged package 

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Benefits

Interest Rates Packages

Enjoy the flexibility of choosing any one of the interest rate packages to suit your requirements. You may also combine fixed with SIBOR-pegged interest rate packages.

  • SIBOR-pegged interest rates: Peg your interest rate to the market through our Singapore Interbank Offered Rate (SIBOR) based packages.
  • Fixed interest rates: Enjoy stability by fixing your interest rate for the initial years.
  • Time Deposit Mortgage rate-pegged interest rates: Peg your interest rate to the Bank's prevailing twenty-four (24) months Personal Banking Singapore Dollar Time Deposit rate

SmartMortgage

HSBC's SmartMortgage links your home loan account with a current account, reducing interest on your home loan by offsetting interest earned on your current account.

Home Assist

HSBC's Home Assist gives you complimentary access to 24-hour emergency home assistance for property emergencies related to your electrical, air-conditioning, plumbing, locksmith and pest control needs. We will take care of your repair bills, reimbursing you up to S$150 per visit for a maximum of five times a year. Click here to find out more.

Referral Reward

From now to 31 December 2019, get up to S$600 worth of shopping vouchers when you refer your friends or family to take up an HSBC home loan.
Loan amount
 Your reward
S$200,000 - S$799,999
 S$200 worth of shopping vouchers
S$800,000 - S$1,499,999
 S$400 worth of shopping vouchers
S$1,500,000 and above
 S$600 worth of shopping vouchers
From now to 31 December 2019, get up to S$600 worth of shopping vouchers when you refer your friends or family to take up an HSBC home loan.
Loan amount
 S$200,000 - S$799,999
Your reward
 S$200 worth of shopping vouchers
Loan amount
 S$800,000 - S$1,499,999
Your reward
 S$400 worth of shopping vouchers
Loan amount
 S$1,500,000 and above
Your reward
 S$600 worth of shopping vouchers

Apply Now

To find out more about HSBC Home Loans, leave us your contact details and we will be in touch shortly.

Select the right loan

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Buy a new property

 

HSBC Home Loans are the ideal way to start financing your dream home.

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Get a home equity loan

 

Tap into the value of your home to capture investment or business opportunities.

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Buy a property for commercial use

 

With HSBC Investment Property loan, you can enjoy competitive rates and benefits.

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Refinance my home loan

 

Enjoy savings on your monthly repayments by refinancing your existing loan.

Exclusive privileges with HSBC Premier and HSBC Advance

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HSBC Premier

You can qualify for HSBC Premier with a minimum loan size of S$800,000. 

Foreigners who are keen to purchase a property in Singapore, click here to find out more about the privileges of Premier International. 

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HSBC Advance

You can qualify for HSBC Advance with a minimum loan size of S$200,000.

Servicing your accounts

Need help in requesting for statements or have questions relating to managing your home loan?

Beyond the Bricks - The ever-changing ways we value our home

Watch those who have experienced the home buying journey and discover how they managed the ups and downs of homeownership.

Beyond the Bricks
Discover homeownership stories of how experiences and different circumstances can change the way we value our home.
On the move
Discover the experiences as we move into our new home.
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Singling out 4 Awesome Neighourhoods Where You Can Feel at Home

 
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Find out what upward mobile, eligible singles are considering before they make their next move.

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Our parents – the unsung heroes behind every home

 
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What are Singaporean parents actually reading behind their screens?

Insight is drawn from Beyond the Bricks study in 11 markets on homeownership conducted by Kantar TNS and Harris Interactive.

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