Home Loan

With HSBC's global experience and competence, we are dedicated to providing you with an efficient service that makes your home-buying just that easy!

Benefits and Features

• Professional Home mortgage loan specialists provide personalised services to help to manage the entire process.
• The approval response will be provided by Head Office within 48 hours (During working days) upon receipt of completed application documents.
• High Mortgage Advance Ratio: Loan amount up to 70% of property value.
• Long Tenure: Loans available for up to 30 years for primary properties and 20 years for secondary properties.
• Available in HK dollars, US dollars and Renminbi*
• Flexible: Provide monthly straight-line payment, fortnightly straight-line payment, monthly reducing balance payment, deferred principal and step-up repayment.
• Provide preferential interest loan rate. Fee waiver of third party charges for RMB loans (including Solicitor Fee, Notarization Fee, etc.)
• Considerate third-party services including lawyer service, property evaluation, notarization and insurance services for your peace of mind.
• Direct repayment from HSBC account in HongKong (expatriate only); If you are an HSBC Premier customer, you can enjoy free handling fees for repayment transfers.


*Local PRC residents can only apply for an RMB loan.

Remarks: These services will be provided according to regulatory requirements (including, without limitation, foreign exchange restrictions), which may change from time to time. The terms and conditions are subject to the final agreement between the Bank and the applicant.

• Monthly straight-line repayment
  Monthly repayments at a fixed level, designed to give you control over your budget and expenses

• Fortnightly straight-line repayment
  Fortnightly repayments at a fixed level, enabling you to save more loan interest and shorten the tenure of your
  loan

• Monthly reducing balance repayment
  Monthly repayments start higher at the outset of the loan and reduce over the life of the loan, allowing you to
  save on the overall interest you pay over the whole life of the loan

• Flexible repayment
  Deferred principal or step-up repayments provide you with more flexibility in your financial planning.

4 Simple Steps to a HSBC Home Loan:

Step 1
• Approach your nearest HSBC China branch and choose the HSBC home loan that is right for you with the   assistance of our home loan advisors.
• Submit your application to HSBC with the relevant documents.

Step 2
HSBC China approves your application and issues the property mortgage loan contract

Step 3
You sign the property mortgage loan contract and the mortgage is registered and notarized (if applicable)

Step 4
Home loan drawdown.

• Find out 4 easy steps to a HSBC home mortgage loan

• Calculate your repayments with our home loan repayment calculator