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Overview

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.

SIBOR-pegged loan

Enjoy flexibility of no lock-in with our attractive SIBOR-pegged package for both completed properties and properties under construction.

SIBOR-pegged Package*
Bank HSBC Premier
HSBC Advance
HSBC Personal Banking
Year 1-3 SIBOR + 0.80% p.a.
SIBOR + 0.85% p.a
SIBOR + 1.00% p.a.
Thereafter SIBOR + 1.00% p.a.
SIBOR + 1.00% p.a.
SIBOR + 1.00% p.a

* Terms and conditions

SIBOR-pegged package applies only to minimum loan quantum of S$200,000.

Completed property refers to properties with minimum Temporary Occupation Permit (TOP) issued.

Properties under construction refers to properties under construction prior to TOP.

SIBOR refers to the 1-month or 3-month Singapore Interbank Offered Rate for Singapore Dollar fixed at 11 a.m Singapore time by the Association of Banks in Singapore (ABS) on the first business day of the calendar month.

The applicable interest rates, discounts and terms are subject to changes and HSBC's right of review.

Fixed rate loan

Enjoy stability by fixing your interest rate for initial years.

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

 

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.*

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

  • Reduce the interest payable on your mortgage

With SmartMortgage, the interest# earned on your current account* will offset the interest payable on your home loan. Paying less interest means that you can save more and pay off your home loan in less time.

  • Manage your finances the way you want

With SmartMortgage, your current account* is linked to your home loan, giving you flexibility to maximise control in the management of your finances and savings. Plus you can choose to have no lock-in, or lock-in periods of up to three years.

 

SIBOR-pegged SmartMortgage#
Bank HSBC Premier HSBC Advance
Year 1-3 SIBOR + 0.80% p.a.
SIBOR + 0.85% p.a.
Thereafter SIBOR + 1.00% p.a.
SIBOR + 1.00% p.a.

SmartMortgage current account terms and conditions

The Bank reserves the right to adjust the SmartMortgage Current Account interest rate.


SIBOR-pegged SmartMortgage terms and conditions

SIBOR refers to the 1-month or 3-month Singapore Interbank Offered Rate for Singapore Dollar fixed at 11 a.m Singapore time by the Association of Banks in Singapore (ABS) on the first business day of the calendar month.

The applicable interest rates, discounts and terms are subject to changes and HSBC's right of review.


Deposit Insurance Scheme 
Singapore dollar deposits of non-bank depositors are insured by the Singapore Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme by law.