Interest Rates

Home
Help and support
Interest rates

HSBC Premier Home Loan rates

Interest rates for HSBC variable home loan products.
Variable Rates	Interest Rate (p.a.)
Floating rate	5.49%
Home Equity (Revolving)	5.59%
Home Smart³	5.59%

Interest rates for HSBC variable home loan products.
Variable Rates	Floating rate
Interest Rate (p.a.)	5.49%

Variable Rates	Home Equity (Revolving)
Interest Rate (p.a.)	5.59%

Variable Rates	Home Smart³
Interest Rate (p.a.)	5.59%

³Home Smart is no longer available for sale.

Apply for a Home Loan find out more about Application This link will open in a new window

Interest rates for fixed rate home loan products.
Fixed Rates	Interest Rate (p.a.)
6 months	4.49%
1 year	4.39%
18 months	4.89%
2 years	5.15%
3 years	5.39%
4 years	5.69%
5 years	5.89%

Interest rates for fixed rate home loan products.
Fixed Rates	6 months
Interest Rate (p.a.)	4.49%

Fixed Rates	1 year
Interest Rate (p.a.)	4.39%

Fixed Rates	18 months
Interest Rate (p.a.)	4.89%

Fixed Rates	2 years
Interest Rate (p.a.)	5.15%

Fixed Rates	3 years
Interest Rate (p.a.)	5.39%

Fixed Rates	4 years
Interest Rate (p.a.)	5.69%

Fixed Rates	5 years
Interest Rate (p.a.)	5.89%

Apply for a Home Loan find out more about Application This link will open in a new window

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	0.90%
HSBC Smart Saver Account	$5,000,001 +	0.00%
HSBC eSaver	$0 - $5,000,000	0.30%
HSBC eSaver	$5,000,001 +	0.00%

Interest rates for HSBC savings accounts.
Account Name	HSBC Smart Saver Account
Balances	$0 - $5,000,000
Interest Rate (p.a.)	0.90%

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.)	0.30%

Account Name	HSBC eSaver
Balances	$5,000,001 +
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	0.40%
	$10,000 +	0.45%
3 months	$0 - $9,999	0.90%
	$10,000 +	1.15%
4 months	$0 - $9,999	1.05%
	$10,000 +	1.40%
5 months	$0 - $9,999	1.15%
	$10,000 +	1.60%
6 months	$0 - $9,999	1.50%
	$10,000 +	2.20%
9 months	$0 - $9,999	1.70%
	$10,000 +	2.40%
12 months	$0 - $9,999	2.15%
	$10,000 +	2.85%
2 years	$0 - $9,999	2.80%
	$10,000 +	3.40%
3 years	$0 - $9,999	3.00%
	$10,000 +	3.60%
4 years	$0 - $9,999	3.10%
	$10,000 +	3.70%
5 years	$0 - $9,999	3.20%
	$10,000 +	3.80%

Interest rates for HSBC fixed term deposit accounts¹.
Terms	1 month
Balances	$0 - $9,999
Interest Rate (p.a.)	0.40%

Terms
Balances	$10,000 +
Interest Rate (p.a.)	0.45%

Terms	3 months
Balances	$0 - $9,999
Interest Rate (p.a.)	0.90%

Terms
Balances	$10,000 +
Interest Rate (p.a.)	1.15%

Terms	4 months
Balances	$0 - $9,999
Interest Rate (p.a.)	1.05%

Terms
Balances	$10,000 +
Interest Rate (p.a.)	1.40%

Terms	5 months
Balances	$0 - $9,999
Interest Rate (p.a.)	1.15%

Terms
Balances	$10,000 +
Interest Rate (p.a.)	1.60%

Terms	6 months
Balances	$0 - $9,999
Interest Rate (p.a.)	1.50%

Terms
Balances	$10,000 +
Interest Rate (p.a.)	2.20%

Terms	9 months
Balances	$0 - $9,999
Interest Rate (p.a.)	1.70%

Terms
Balances	$10,000 +
Interest Rate (p.a.)	2.40%

Terms	12 months
Balances	$0 - $9,999
Interest Rate (p.a.)	2.15%

Terms
Balances	$10,000 +
Interest Rate (p.a.)	2.85%

Terms	2 years
Balances	$0 - $9,999
Interest Rate (p.a.)	2.80%

Terms
Balances	$10,000 +
Interest Rate (p.a.)	3.40%

Terms	3 years
Balances	$0 - $9,999
Interest Rate (p.a.)	3.00%

Terms
Balances	$10,000 +
Interest Rate (p.a.)	3.60%

Terms	4 years
Balances	$0 - $9,999
Interest Rate (p.a.)	3.10%

Terms
Balances	$10,000 +
Interest Rate (p.a.)	3.70%

Terms	5 years
Balances	$0 - $9,999
Interest Rate (p.a.)	3.20%

Terms
Balances	$10,000 +
Interest Rate (p.a.)	3.80%

¹Applies to NZD accounts only.

Eligibility criteria applies to HSBC Premier. Click here to view or download a copy of the HSBC FAP Public Disclosure Statement. 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.

Interest rates are effective from Tuesday, 24 May 2022 and are subject to change or withdrawal without notice (other than for variable home loan rates where 14 days' prior notice will be provided). 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.

HSBC Premier Home Loan rates

HSBC Premier Transactional Account interest rates

HSBC Premier Savings Account interest rates

HSBC Premier Fixed Term Deposit interest rates

Terms and conditions

Connect with us