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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 2.10% (Fixed)
Year 2 2.10% (Fixed)
Year 3 SIBOR + 0.75%
Thereafter SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $200 Isetan shopping vouchers
Year 1 2.15% (Fixed)
Year 2 2.15% (Fixed)
Year 3 2.15% (Fixed)
Thereafter SIBOR + 0.75%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $200 Isetan shopping vouchers
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%
Year 1 2.05% (Fixed)
Year 2 2.05% (Fixed)
Year 3 SIBOR + 0.75%
Thereafter SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $540 Isetan shopping voucher
Year 1 2.10% (Fixed)
Year 2 2.10% (Fixed)
Year 3 2.10% (Fixed)
Thereafter SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $540 Isetan shopping vouchers

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 2.10% (Fixed)
Year 2 2.10% (Fixed)
Year 3 SIBOR + 0.75%
Thereafter SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive$1,000
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $200 Isetan shopping vouchers
Year 1 2.15% (Fixed)
Year 2 2.15% (Fixed)
Year 3 2.15% (Fixed)
Thereafter SIBOR + 0.75%
Lock-in period 3 years
Subsidy / Incentive$1,000
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $200 Isetan shopping vouchers
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 2.15% (Fixed)
Year 2 2.15% (Fixed)
Year 3 2.15% (Fixed)
Thereafter SIBOR + 0.75%
Lock-in period 3 years
Subsidy / Incentive$2,000
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $200 Isetan shopping vouchers
Year 1 2.10% (Fixed)
Year 2 2.10% (Fixed)
Year 3 SIBOR + 0.75%
Thereafter SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $200 Isetan shopping vouchers
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%
Year 1 2.05% (Fixed)
Year 2 2.05% (Fixed)
Year 3 SIBOR + 0.75%
Thereafter SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $540 Isetan shopping vouchers
Year 1 2.10% (Fixed)
Year 2 2.10% (Fixed)
Year 3 2.10% (Fixed)
Thereafter SIBOR + 0.75%
Lock-in period 3 years
Subsidy / Incentive$2,000
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $540 Isetan shopping vouchers
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
  • Free switching to another loan package within the bank
  • 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 2.05% (Fixed)
Year 2 2.05% (Fixed)
Year 3 SIBOR + 0.75%
Thereafter SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive$2,500
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $540 Isetan shopping vouchers
Year 1 2.10% (Fixed)
Year 2 2.10% (Fixed)
Year 3 2.10% (Fixed)
Thereafter SIBOR + 0.75%
Lock-in period 3 years
Subsidy / Incentive$2,500
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $540 Isetan shopping vouchers

Home Loan for Purchase of HDB Flat
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 2.10% (Fixed)
Year 2 2.10% (Fixed)
Year 3 SIBOR + 0.75%
Thereafter SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $200 Isetan shopping vouchers
Year 1 2.15% (Fixed)
Year 2 2.15% (Fixed)
Year 3 2.15% (Fixed)
Thereafter SIBOR + 0.75%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $200 Isetan shopping vouchers
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%
Year 1 2.05% (Fixed)
Year 2 2.05% (Fixed)
Year 3 SIBOR + 0.75%
Thereafter SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $540 Isetan shopping voucher
Year 1 2.10% (Fixed)
Year 2 2.10% (Fixed)
Year 3 2.10% (Fixed)
Thereafter SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $540 Isetan shopping vouchers

Home Loan for Refinancing of HDB Flat
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 2.10% (Fixed)
Year 2 2.10% (Fixed)
Year 3 SIBOR + 0.75%
Thereafter SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive$1,000
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $200 Isetan shopping vouchers
Year 1 2.15% (Fixed)
Year 2 2.15% (Fixed)
Year 3 2.15% (Fixed)
Thereafter SIBOR + 0.75%
Lock-in period 3 years
Subsidy / Incentive$1,000
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $200 Isetan shopping vouchers
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 2.15% (Fixed)
Year 2 2.15% (Fixed)
Year 3 2.15% (Fixed)
Thereafter SIBOR + 0.75%
Lock-in period 3 years
Subsidy / Incentive$2,000
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $200 Isetan shopping vouchers
Year 1 2.10% (Fixed)
Year 2 2.10% (Fixed)
Year 3 SIBOR + 0.75%
Thereafter SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $200 Isetan shopping vouchers
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%
Year 1 2.05% (Fixed)
Year 2 2.05% (Fixed)
Year 3 SIBOR + 0.75%
Thereafter SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $540 Isetan shopping vouchers
Year 1 2.10% (Fixed)
Year 2 2.10% (Fixed)
Year 3 2.10% (Fixed)
Thereafter SIBOR + 0.75%
Lock-in period 3 years
Subsidy / Incentive$2,000
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • $540 Isetan shopping vouchers
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
  • Free switching to another loan package within the bank
  • 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%

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