Repayment plans to suit your needs
At HSBC, we offer a variety of flexible mortgage repayment plans to suit your needs. Own your home sooner and save on interest, or repay less in the earlier years. The choice is up to you!
Straight-line repayment
- Benefit from fixed repayment amounts over the entire term of the loan.
How to apply
Apply online
Submit your online application anytime, quickly and conveniently.
Meet with us
You can book an appointment to meet a mortgage specialist in person at a designated branch.
Mortgage tools and resources
Property valuation tool
Estimate the current value of a flat in major estates of Hong Kong with our simple address-based tool.
Instant Mortgage Assessment
Assess affordability and how much you should set as your budget for buying a home, instantly—plus, see how much you can save with a Deposit-linked Mortgage
Related products and services
Fixed Rate Mortgage Plan
Lock your mortgage interest rate at 2.73% p.a. for a fixed period, giving you repayment stability and full control over your home financing budget
Green Mortgage
Be rewarded when you draw down a mortgage to buy a first-hand residential property with a BEAM Plus Platinum or Gold rating
HighAdvance Mortgage
Get a head start to buy your first home, with a smaller down payment
Mortgage for Government Housing Schemes
Covers a range of government subsidized flats such as Home Ownership Scheme flats, and lets you borrow up to 95% of the property purchase price
Important information
To borrow or not to borrow?
Borrow only if you can repay!
Remarks
1 Hong Kong Interbank Offered Rate (HIBOR) as at any date means the Hong Kong Interbank Offered Rate for the interest period of 1 month for Hong Kong Dollars quoted by The Hongkong and Shanghai Banking Corporation Limited at or about 11:00 a.m. (Hong Kong time) on such date. This HIBOR quoted by The Hongkong and Shanghai Banking Corporation Limited is not necessarily the same as HKD Interest Settlement Rates published by The Hong Kong Association of Banks.
2 Best Lending Rate (BLR) refers to the Hong Kong Dollar Best Lending Rate quoted by The Hongkong and Shanghai Banking Corporation Limited from time to time.