HSBC Home Loans

HSBC Home Loan for Purchase of Private Property

HSBC Home Loan for Refinancing of Private Property

HSBC Home Loan for Purchase of HDB Flat

HSBC Home Loan for Refinancing of HDB Flat

Do note that the rates below are indicative. For the best home loans specific to you, please contact us or use the Finko home loan comparison.

Home Loan for Purchase of Private Property
Minimum mortgage of $200,000
Year 1	Board 2.78%
Year 2	Board 2.78%
Year 3	Board 2.78%
Thereafter	Board 2.78%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.65% Free switching to another loan package within the bank
Year 1	SIBOR + 0.45%
Year 2	SIBOR + 0.45%
Year 3	SIBOR + 0.45%
Thereafter	SIBOR + 0.45%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate can be pegged to 1M or 3M SIBOR Free switching to another loan package within the bank Interest Offset Ratio: 70% Interest Offset Limit: 70%
Year 1	SIBOR + 0.30%
Year 2	SIBOR + 0.30%
Year 3	SIBOR + 0.40%
Thereafter	SIBOR + 0.80%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate can be pegged to 1M or 3M SIBOR 50% waiver of lock-in penalty if property is sold No prepayment penalty if outstanding loan is at least 70% of original loan Interest Offset Ratio: 70% Interest Offset Limit: 70%
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	SIBOR + 0.75%
Thereafter	SIBOR + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Year 1	1.85% (Fixed)
Year 2	1.85% (Fixed)
Year 3	1.85% (Fixed)
Thereafter	SIBOR + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Minimum mortgage of $500,000
Year 1	1.85% (Fixed)
Year 2	1.85% (Fixed)
Year 3	1.85% (Fixed)
Thereafter	SIBOR + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	SIBOR + 0.75%
Thereafter	SIBOR + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Minimum mortgage of $800,000
Year 1	SIBOR + 0.25%
Year 2	SIBOR + 0.25%
Year 3	SIBOR + 0.35%
Thereafter	SIBOR + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate can be pegged to 1M or 3M SIBOR Waiver of lock-in penalty if property is sold Prepay up to 30% of loan without penalty Interest Offset Ratio: 70% Interest Offset Limit: 70%
Minimum mortgage of $1,500,000
Year 1	1.85% (Fixed)
Year 2	1.85% (Fixed)
Year 3	1.85% (Fixed)
Thereafter	SIBOR + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	SIBOR + 0.75%
Thereafter	SIBOR + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR

Home Loan for Refinancing of Private Property
Minimum mortgage of $1
Year 1	Board 2.78%
Year 2	Board 2.78%
Year 3	Board 2.78%
Thereafter	Board 2.78%
Lock-in period	2 years
Subsidy / Incentive	$2,500
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.65% Free switching to another loan package within the bank
Minimum mortgage of $200,000
Year 1	Board 2.78%
Year 2	Board 2.78%
Year 3	Board 2.78%
Thereafter	Board 2.78%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.65% Free switching to another loan package within the bank
Year 1	SIBOR + 0.30%
Year 2	SIBOR + 0.30%
Year 3	SIBOR + 0.40%
Thereafter	SIBOR + 0.80%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	Rate can be pegged to 1M or 3M SIBOR 50% waiver of lock-in penalty if property is sold Prepay up to 30% of loan without penalty Interest Offset Ratio: 70% Interest Offset Limit: 70%
Year 1	SIBOR + 0.45%
Year 2	SIBOR + 0.45%
Year 3	SIBOR + 0.45%
Thereafter	SIBOR + 0.45%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	Rate can be pegged to 1M or 3M SIBOR Free switching to another loan package within the bank Interest Offset Ratio: 70% Interest Offset Limit: 70%
Year 1	1.85% (Fixed)
Year 2	1.85% (Fixed)
Year 3	1.85% (Fixed)
Thereafter	SIBOR + 0.75%
Lock-in period	3 years
Subsidy / Incentive	$1,000
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	SIBOR + 0.75%
Thereafter	SIBOR + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Minimum mortgage of $500,000
Year 1	Board 2.78%
Year 2	Board 2.78%
Year 3	Board 2.78%
Thereafter	Board 2.78%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.65% Free switching to another loan package within the bank
Year 1	SIBOR + 0.45%
Year 2	SIBOR + 0.45%
Year 3	SIBOR + 0.45%
Thereafter	SIBOR + 0.45%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Rate can be pegged to 1M or 3M SIBOR Free switching to another loan package within the bank Interest Offset Ratio: 70% Interest Offset Limit: 70%
Year 1	SIBOR + 0.30%
Year 2	SIBOR + 0.30%
Year 3	SIBOR + 0.40%
Thereafter	SIBOR + 0.80%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Rate can be pegged to 1M or 3M SIBOR 50% waiver of lock-in penalty if property is sold No prepayment penalty if outstanding loan is at least 70% of original loan Interest Offset Ratio: 70% Interest Offset Limit: 70%
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	SIBOR + 0.75%
Thereafter	SIBOR + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Year 1	1.85% (Fixed)
Year 2	1.85% (Fixed)
Year 3	1.85% (Fixed)
Thereafter	SIBOR + 0.75%
Lock-in period	3 years
Subsidy / Incentive	$2,000
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Minimum mortgage of $800,000
Year 1	SIBOR + 0.25%
Year 2	SIBOR + 0.25%
Year 3	SIBOR + 0.35%
Thereafter	SIBOR + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Rate can be pegged to 1M or 3M SIBOR Waiver of lock-in penalty if property is sold Prepay up to 30% of loan without penalty Interest Offset Ratio: 70% Interest Offset Limit: 70%
Minimum mortgage of $1,500,000
Year 1	SIBOR + 0.25%
Year 2	SIBOR + 0.25%
Year 3	SIBOR + 0.35%
Thereafter	SIBOR + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,500
Remarks	Rate can be pegged to 1M or 3M SIBOR Waiver of lock-in penalty if property is sold Prepay up to 30% of loan without penalty Interest Offset Ratio: 70% Interest Offset Limit: 70%
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	SIBOR + 0.75%
Thereafter	SIBOR + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,500
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Year 1	1.85% (Fixed)
Year 2	1.85% (Fixed)
Year 3	1.85% (Fixed)
Thereafter	SIBOR + 0.75%
Lock-in period	3 years
Subsidy / Incentive	$2,500
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR

Home Loan for Purchase of HDB Flat
No minimum mortgage requirement
Year 1	1.85% (Fixed)
Year 2	1.85% (Fixed)
Year 3	1.85% (Fixed)
Thereafter	SIBOR + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	SIBOR + 0.75%
Thereafter	SIBOR + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Minimum mortgage of $200,000
Year 1	Board 2.78%
Year 2	Board 2.78%
Year 3	Board 2.78%
Thereafter	Board 2.78%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.65% Free switching to another loan package within the bank
Year 1	SIBOR + 0.45%
Year 2	SIBOR + 0.45%
Year 3	SIBOR + 0.45%
Thereafter	SIBOR + 0.45%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate can be pegged to 1M or 3M SIBOR Free switching to another loan package within the bank Interest Offset Ratio: 70% Interest Offset Limit: 70%
Year 1	SIBOR + 0.30%
Year 2	SIBOR + 0.30%
Year 3	SIBOR + 0.40%
Thereafter	SIBOR + 0.80%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate can be pegged to 1M or 3M SIBOR 50% waiver of lock-in penalty if property is sold No prepayment penalty if outstanding loan is at least 70% of original loan Interest Offset Ratio: 70% Interest Offset Limit: 70%
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	SIBOR + 0.75%
Thereafter	SIBOR + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Year 1	1.85% (Fixed)
Year 2	1.85% (Fixed)
Year 3	1.85% (Fixed)
Thereafter	SIBOR + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Minimum mortgage of $500,000
Year 1	1.85% (Fixed)
Year 2	1.85% (Fixed)
Year 3	1.85% (Fixed)
Thereafter	SIBOR + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	SIBOR + 0.75%
Thereafter	SIBOR + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Minimum mortgage of $800,000
Year 1	SIBOR + 0.25%
Year 2	SIBOR + 0.25%
Year 3	SIBOR + 0.35%
Thereafter	SIBOR + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate can be pegged to 1M or 3M SIBOR Waiver of lock-in penalty if property is sold Prepay up to 30% of loan without penalty Interest Offset Ratio: 70% Interest Offset Limit: 70%

Home Loan for Refinancing of HDB Flat
No minimum mortgage requirement
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	SIBOR + 0.75%
Thereafter	SIBOR + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,500
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Year 1	1.85% (Fixed)
Year 2	1.85% (Fixed)
Year 3	1.85% (Fixed)
Thereafter	SIBOR + 0.75%
Lock-in period	3 years
Subsidy / Incentive	$2,500
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Minimum mortgage of $200,000
Year 1	Board 2.78%
Year 2	Board 2.78%
Year 3	Board 2.78%
Thereafter	Board 2.78%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.65% Free switching to another loan package within the bank
Year 1	SIBOR + 0.30%
Year 2	SIBOR + 0.30%
Year 3	SIBOR + 0.40%
Thereafter	SIBOR + 0.80%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	Rate can be pegged to 1M or 3M SIBOR 50% waiver of lock-in penalty if property is sold Prepay up to 30% of loan without penalty Interest Offset Ratio: 70% Interest Offset Limit: 70%
Year 1	SIBOR + 0.45%
Year 2	SIBOR + 0.45%
Year 3	SIBOR + 0.45%
Thereafter	SIBOR + 0.45%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	Rate can be pegged to 1M or 3M SIBOR Free switching to another loan package within the bank Interest Offset Ratio: 70% Interest Offset Limit: 70%
Year 1	1.85% (Fixed)
Year 2	1.85% (Fixed)
Year 3	1.85% (Fixed)
Thereafter	SIBOR + 0.75%
Lock-in period	3 years
Subsidy / Incentive	$1,000
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Year 1	1.85% (Fixed)
Year 2	1.85% (Fixed)
Year 3	1.85% (Fixed)
Thereafter	SIBOR + 0.75%
Lock-in period	3 years
Subsidy / Incentive	$1,000
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	SIBOR + 0.75%
Thereafter	SIBOR + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Minimum mortgage of $500,000
Year 1	Board 2.78%
Year 2	Board 2.78%
Year 3	Board 2.78%
Thereafter	Board 2.78%
Lock-in period	2 years
Subsidy / Incentive	$2,500
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.65% Free switching to another loan package within the bank
Year 1	Board 2.78%
Year 2	Board 2.78%
Year 3	Board 2.78%
Thereafter	Board 2.78%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.65% Free switching to another loan package within the bank
Year 1	SIBOR + 0.45%
Year 2	SIBOR + 0.45%
Year 3	SIBOR + 0.45%
Thereafter	SIBOR + 0.45%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Rate can be pegged to 1M or 3M SIBOR Free switching to another loan package within the bank Interest Offset Ratio: 70% Interest Offset Limit: 70%
Year 1	SIBOR + 0.30%
Year 2	SIBOR + 0.30%
Year 3	SIBOR + 0.40%
Thereafter	SIBOR + 0.80%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Rate can be pegged to 1M or 3M SIBOR 50% waiver of lock-in penalty if property is sold No prepayment penalty if outstanding loan is at least 70% of original loan Interest Offset Ratio: 70% Interest Offset Limit: 70%
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	SIBOR + 0.75%
Thereafter	SIBOR + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Year 1	1.85% (Fixed)
Year 2	1.85% (Fixed)
Year 3	1.85% (Fixed)
Thereafter	SIBOR + 0.75%
Lock-in period	3 years
Subsidy / Incentive	$2,000
Remarks	Free switching to another loan package within the bank when fixed rate ends Rate can be pegged to 1M or 3M SIBOR
Minimum mortgage of $800,000
Year 1	SIBOR + 0.25%
Year 2	SIBOR + 0.25%
Year 3	SIBOR + 0.35%
Thereafter	SIBOR + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Rate can be pegged to 1M or 3M SIBOR Waiver of lock-in penalty if property is sold Prepay up to 30% of loan without penalty Interest Offset Ratio: 70% Interest Offset Limit: 70%
Minimum mortgage of $1,500,000
Year 1	SIBOR + 0.25%
Year 2	SIBOR + 0.25%
Year 3	SIBOR + 0.35%
Thereafter	SIBOR + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,500
Remarks	Rate can be pegged to 1M or 3M SIBOR Waiver of lock-in penalty if property is sold Prepay up to 30% of loan without penalty Interest Offset Ratio: 70% Interest Offset Limit: 70%