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


When it comes to your lifestyle, you have plenty of choices. So why shouldn't your home loan be just as flexible?

More than just a mortgage, a home loan is an integral part of your financial planning. It should be flexible enough to fit in with your unique financial situation, and be a solution that's as individual as you are. With so many different factors to consider, you'll need to start with the right advice to get the loan that works for you. HSBC home loans are the ideal way to start financing your dream home.

Leave your contact details and our friendly Mortgage Specialists will be in touch with you shortly.

Leave us your contact details and we will be in touch shortly.

SORA-pegged loan

Peg your home loan interest rate to the 1-month or 3-month Compounded SORA* benchmark rate for greater transparency and flexibility. Learn more about HSBC SORA-pegged home loans.

* The Singapore Overnight Rate Average ("SORA") is the volume-weighted average rate of borrowing transactions in the unsecured overnight interbank SGD cash market in Singapore between 8am and 6.15pm. SORA has been selected as a new interest rate benchmark rate in Singapore, which will eventually replace SIBOR.

Fixed rate loan

Enjoy stability by fixing your interest rate for initial years.

Contact us for the latest fixed rate packages and our Mortgage Specialists will be in touch with you shortly.

Combine fixed and SORA-pegged rates in one home loan

Enjoy stability by having a part of your loan under a fixed rate, and added flexibility by having the remainder pegged to Compounded SORA.


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

This simple, effective link between your home loan and current account through SmartMortgage will help you:

  • Reduce the interest payable on your home loan

Earn interest on up to 70% of your outstanding loan amount or deposit balance, whichever is lower, with your current account. You can use it to offset part of the interest payable on your home loan.

  • Pay off your home loan in less time

With less interest payable, a larger portion of your monthly instalment will go towards your principal repayments, so you can pay off your home loan more quickly.

  • Enjoy the flexibility to manage your finances, your way

You can deposit funds into or withdraw funds from your current account at any time. As your current account is linked to your home loan, this gives you more control over how you manage your money and savings.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

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