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A mother is playing with her daughter; image used for HSBC Singapore Home Refinancing


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


Whether you plan to consolidate your debts or are looking to take advantage of better rates, we have home loan refinancing options to best suit your needs.

What's more, enjoy savings on your monthly repayments by refinancing your existing home loan with HSBC and receive up to SGD2,500 cash incentive.

To find out more, 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 Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme by law.