Whether you're buying a new home or looking to refinance your existing home loan, we have a home loan suited for you.
Compare home loan features and terms
| Home Loan product | Interest rate type | Loan term | Direct salary payments? | Early repayments? | Convenient fund access? |
|---|---|---|---|---|---|
| Fixed Rate Home Loan | Fixed | Maximum 30 years |
No | Yes (early repayments costs/ fees apply) | No |
| Floating Rate Home Loan | Floating | Maximum 30 years | No | Yes | No |
| Construction Loan |
Variable (set over floating rate) |
On demand |
Yes | Yes | Yes |
| Home Equity Loan | Variable (set over floating rate) |
On demand |
Yes | Yes | Yes |
| Split Loan | Not Applicable |
Not Applicable |
Not Applicable |
Not Applicable |
Not Applicable |
| Home Loan product | Fixed Rate Home Loan |
|---|---|
| Interest rate type | Fixed |
| Loan term |
Maximum 30 years |
| Direct salary payments? | No |
| Early repayments? | Yes (early repayments costs/ fees apply) |
| Convenient fund access? | No |
| Home Loan product | Floating Rate Home Loan |
| Interest rate type | Floating |
| Loan term | Maximum 30 years |
| Direct salary payments? | No |
| Early repayments? | Yes |
| Convenient fund access? | No |
| Home Loan product |
Construction Loan |
| Interest rate type |
Variable (set over floating rate) |
| Loan term |
On demand |
| Direct salary payments? | Yes |
| Early repayments? | Yes |
| Convenient fund access? | Yes |
| Home Loan product | Home Equity Loan |
| Interest rate type |
Variable (set over floating rate) |
| Loan term |
On demand |
| Direct salary payments? | Yes |
| Early repayments? | Yes |
| Convenient fund access? | Yes |
| Home Loan product | Split Loan |
| Interest rate type |
Not Applicable |
| Loan term |
Not Applicable |
| Direct salary payments? |
Not Applicable |
| Early repayments? |
Not Applicable |
| Convenient fund access? |
Not Applicable |
Fixed Rate Home Loan
The comfort of knowing exactly what your HSBC Premier Fixed Home Loan repayments will be.
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Renegotiate a further fixed term, at the interest rates applicable at the time
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Pay off the loan, in part or full
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Choose an alternative loan from HSBC that meets your needs
Floating Rate Home Loan
Not everyone wants or needs a loan with all the bells and whistles. So enjoy a simple straightforward approach instead with our HSBC Premier Floating Rate Home Loan.
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Competitive variable interest rate
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Flexibility to make additional repayments without penalty to save on interest
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Control to redraw any additional prepayments1
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Value with no account maintenance fees
Construction Loan
Building a house is a very time-consuming and often stressful event in your life. Make sure your HSBC Premier Construction Home Loan allows for all of these finishing touches, and ensure there is enough money available for the unexpected and for any finishing details.
Home Equity Loan
Growing your assets to create greater wealth.
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Pay off your loan faster
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Build your assets
Split Loan
Enjoy the benefits offered by more than one loan.
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Combine up to six HSBC Premier home loans
Home Loans resources
Home Loan Calculators
Not yet there? Use our home loan calculators to take the guesswork out and help you decide.
Home Loan Rates
Save thousands over the life of your home loan with our consistently affordable rates.
Tips and Guides
Don’t know where to start? We have information to help you know everything there is to know about home buying.
Frequently Asked Questions (FAQs)
Common questions about HSBC home loans products and services.