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Manage your home loan

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

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Explore home loan repayment options to reduce your outstanding loan balance.
Reprice your existing home loan to enjoy greater interest savings.

Home loan repayment options

Partial repayment

For partial repayment, one-month notice is required, and each minimum amount is SGD10,000 (and in multiples of SGD1,000). You may opt to pay by cash and/or CPF funds to reduce your outstanding loan balance.


How to request for partial repayment of home loan:

  1. Download and complete the Mortgage Request Form and submit it to any HSBC Singapore branch. You can also get the form at the branch.
  2. Once we receive your form, we'll send you a notice to your registered mailing address, informing you of your partial repayment effective date.
  3. For payment by cash, we'll deduct the amount from your loan repayment account. The account must be funded by the effective date.
  4. For payment by CPF funds, you have to instruct CPF Board to transfer the funds to us at least 2 working days before the effective date.
Once we've successfully deducted the partial repayment amount, you'll receive a repayment advice to inform you of the revised monthly instalment while the remaining loan tenure remains unchanged.

Redeem your loan

How to request for full repayment of home loan:


Selling your property


Appoint a law firm to handle the sale, and give us a two-month notice to redeem your loan. All legal fees (including fees for the discharge of mortgage) are to be borne by you.


Paying off your mortgage

  1. Give us a two-month written notice.
  2. Appoint a law firm to discharge the mortgage. All legal fees (including fees for the discharge of mortgage) are to be borne by you.
  3. To redeem the loan by cash, make sure you have sufficient funds in the loan repayment account before the repayment effective date.
  4. To redeem the loan by CPF funds, please provide instruction to CPF Board via CPF website to transfer the funds to us before the repayment effective date.

Repricing your existing home loan

Quick and hassle-free

  • Faster turnaround time to switch your home loan package and enjoy interest savings
  • Minimal documentation required
  • No legal or valuation costs as compared to refinancing with another bank

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.

Got questions?

Speak to our mortgage representative to review your existing HSBC home loan and tailor it to best suit your current financial needs.

Leave us your contact details and we'll be in touch with you.

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