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Interest Rates

HSBC Premier Home Loan rates

Interest rates for HSBC variable home loan products.
Variable Rates Interest Rate (p.a.)
Floating rate 4.49%
Home Equity (Revolving) 4.69%
Home Smart3 4.69%
Interest rates for HSBC variable home loan products.
Variable Rates Floating rate
Interest Rate (p.a.) 4.49%
Variable Rates Home Equity (Revolving)
Interest Rate (p.a.) 4.69%
Variable Rates Home Smart3
Interest Rate (p.a.) 4.69%

3Home Smart is no longer available for sale.

Interest rates for fixed rate home loan products.
Fixed Rates Interest Rate (p.a.)
6 months
 2.79%
1 year
 2.25%
18 months
 2.25%
2 years
 2.35%
3 years
 2.65%
4 years
 2.79%
5 years
 2.89%
Interest rates for fixed rate home loan products.
Fixed Rates 6 months
Interest Rate (p.a.) 2.79%
Fixed Rates 1 year
Interest Rate (p.a.) 2.25%
Fixed Rates 18 months
Interest Rate (p.a.) 2.25%
Fixed Rates 2 years
Interest Rate (p.a.) 2.35%
Fixed Rates 3 years
Interest Rate (p.a.) 2.65%
Fixed Rates 4 years
Interest Rate (p.a.) 2.79%
Fixed Rates 5 years
Interest Rate (p.a.) 2.89%

HSBC Premier Transactional Account interest rates

Interest rates for HSBC transactional accounts.
Account Name
 Balances
 Interest Rate (p.a.)
HSBC Everyday Account
 $0+
 0.00%
Premier Explorer Account
 $0+
 0.00%
Interest rates for HSBC transactional accounts.
Account Name
 HSBC Everyday Account
Balances
 $0+
Interest Rate (p.a.)
 0.00%
Account Name
 Premier Explorer Account
Balances
 $0+
Interest Rate (p.a.)
 0.00%

HSBC Premier Savings Account interest rates

Interest rates for HSBC savings accounts.
Account Name
 Balances
 Interest Rate (p.a.)
HSBC Smart Saver Account
 $0 - $5,000,000
 0.25%
HSBC Smart Saver Account $5,000,001 +
 0.00%
HSBC eSaver
 $0 - $5,000,000
 0.05%
HSBC eSaver $5,000,001 +
 0.00%
Premier Multi-currency Savings Account
 $0+
 0.00%
Interest rates for HSBC savings accounts.
Account Name
 HSBC Smart Saver Account
Balances
 $0 - $5,000,000
Interest Rate (p.a.)
 0.25%
Account Name
 HSBC Smart Saver Account
Balances
 $5,000,001 +
Interest Rate (p.a.)
 0.00%
Account Name
 HSBC eSaver
Balances
 $0 - $5,000,000
Interest Rate (p.a.)
 0.05%
Account Name
 HSBC eSaver
Balances
 $5,000,001 +
Interest Rate (p.a.)
 0.00%
Account Name
 Premier Multi-currency Savings Account
Balances
 $0+
Interest Rate (p.a.)
 0.00%

HSBC Premier Fixed Term Deposit interest rates

Interest rates for HSBC fixed term deposit accounts1.
Terms
 Balances
 Interest Rate (p.a.)
1 month
 $0 - $9,999 0.05%
  $10,000 - $99,999 0.07%
  $100,000 + 0.10%
3 months
 $0 - $9,999 0.05%
  $10,000 - $99,999 0.10%
  $100,000 + 0.35%
4 months
 $0 - $9,999 0.10%
  $10,000 - $99,999 0.25%
  $100,000+ 0.45%
5 months
 $0 - $9,999 0.10%
  $10,000 - $99,999 0.35%
  $100,000 + 0.55%
6 months
 $0 - $9,999 0.10%
  $10,000 - $99,999 0.60%
  $100,000 + 0.80%
9 months
 $0 - $9,999 0.10%
  $10,000 - $99,999 0.60%
  $100,000 + 0.80%
12 months $0 - $9,999 0.10%
  $10,000 - $99,999 0.60%
  $100,000 + 0.80%
2 years $0 - $9,999 0.20%
  $10,000 - $99,999 0.60%
  $100,000 + 0.80%
3 years $0 - $9,999 0.20%
  $10,000 - $99,999 0.60%
  $100,000 + 0.80%
4 years $0 - $9,999 0.20%
  $10,000 - $99,999 0.60%
  $100,000 + 0.80%
5 years $0 - $9,999 0.20%
  $10,000 - $99,999 0.60%
  $100,000 + 0.80%
Interest rates for HSBC fixed term deposit accounts1.
Terms
 1 month
Balances
 $0 - $9,999
Interest Rate (p.a.)
 0.05%
Terms
  
Balances
 $10,000 - $99,999
Interest Rate (p.a.)
 0.07%
Terms
  
Balances
 $100,000 +
Interest Rate (p.a.)
 0.10%
Terms
 3 months
Balances
 $0 - $9,999
Interest Rate (p.a.)
 0.05%
Terms
  
Balances
 $10,000 - $99,999
Interest Rate (p.a.)
 0.10%
Terms
  
Balances
 $100,000 +
Interest Rate (p.a.)
 0.35%
Terms
 4 months
Balances
 $0 - $9,999
Interest Rate (p.a.)
 0.10%
Terms
  
Balances
 $10,000 - $99,999
Interest Rate (p.a.)
 0.25%
Terms
  
Balances
 $100,000+
Interest Rate (p.a.)
 0.45%
Terms
 5 months
Balances
 $0 - $9,999
Interest Rate (p.a.)
 0.10%
Terms
  
Balances
 $10,000 - $99,999
Interest Rate (p.a.)
 0.35%
Terms
  
Balances
 $100,000 +
Interest Rate (p.a.)
 0.55%
Terms
 6 months
Balances
 $0 - $9,999
Interest Rate (p.a.)
 0.10%
Terms
  
Balances
 $10,000 - $99,999
Interest Rate (p.a.)
 0.60%
Terms
  
Balances
 $100,000 +
Interest Rate (p.a.)
 0.80%
Terms
 9 months
Balances
 $0 - $9,999
Interest Rate (p.a.)
 0.10%
Terms
  
Balances
 $10,000 - $99,999
Interest Rate (p.a.)
 0.60%
Terms
  
Balances
 $100,000 +
Interest Rate (p.a.)
 0.80%
Terms
 12 months
Balances
 $0 - $9,999
Interest Rate (p.a.)
 0.10%
Terms
  
Balances
 $10,000 - $99,999
Interest Rate (p.a.)
 0.60%
Terms
  
Balances
 $100,000 +
Interest Rate (p.a.)
 0.80%
Terms
 2 years
Balances
 $0 - $9,999
Interest Rate (p.a.)
 0.20%
Terms
  
Balances
 $10,000 - $99,999
Interest Rate (p.a.)
 0.60%
Terms
  
Balances
 $100,000 +
Interest Rate (p.a.)
 0.80%
Terms
 3 years
Balances
 $0 - $9,999
Interest Rate (p.a.)
 0.20%
Terms
  
Balances
 $10,000 - $99,999
Interest Rate (p.a.)
 0.60%
Terms
  
Balances
 $100,000 +
Interest Rate (p.a.)
 0.80%
Terms
 4 years
Balances
 $0 - $9,999
Interest Rate (p.a.)
 0.20%
Terms
  
Balances
 $10,000 - $99,999
Interest Rate (p.a.)
 0.60%
Terms
  
Balances
 $100,000 +
Interest Rate (p.a.)
 0.80%
Terms
 5 years
Balances
 $0 - $9,999
Interest Rate (p.a.)
 0.20%
Terms
  
Balances
 $10,000 - $99,999
Interest Rate (p.a.)
 0.60%
Terms
  
Balances
 $100,000 +
Interest Rate (p.a.)
 0.80%

1Applies to NZD accounts only.

Eligibility criteria applies to HSBC Premier. Qualifying Financial Entities (QFE) disclosure statements are available on request free of charge. HSBC Wealth and Personal Banking Terms and Conditions (PDF, 134KB) and Wealth and Personal Banking Fees and Charges (PDF, 78.8KB) and most recent disclosure statement are available free of charge from any HSBC office or on our website. All interest rates quoted are subject to change without notice.

Terms and conditions 

Interest rates are effective from Wednesday, 16 December 2020 and are subject to change or withdrawal without notice. Terms and conditions, and HSBC Premier qualification criteria apply. Early repayment fees may apply to fixed rate loans. HSBC Wealth and Personal Banking Terms and Conditions (PDF, 134KB) apply. Issued by The Hongkong and Shanghai Banking Corporation Limited, incorporated in the Hong Kong Special Administrative Region (SAR), acting through its New Zealand branch.

For more information on HSBC Premier or any of these interest rates, contact us on 0800 028 088.

Contact us to learn more about interest rates
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