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Home Mortgage Loan

Take a step towards you dream home with our streamlined and personalised mortgage service.

Make fortnightly repayments to pay off your principal quicker and reduce interest.

Please call our customer service hotline on 4008204335 or visit our branch for more details.

Disclaimer: This information is for reference only. No warranty or representation is given by HSBC as to its accuracy, completeness and/or fitness for a particular purpose. Any mortgage loan application and the Terms & Conditions for the loan – including but not limited to the loan-to-value ratio and loan amount – are subject to our final approval.

Need a loan?

Whether you are a PRC resident or not, HSBC can help you find your dream home.

Our home loan advisers will meet you in person and take you through the process step by step to make your experience of buying a home as hassle-free as possible.

Key benefits

  • Preferential interest rates*
  • Flexibility

    Currencies offered – RMB, USD, HKD

    Loan amount – up to 70% of the property value (subject to applicable laws and regulations)

    Loan tenor – up to 30 years

    Three repayment options – Monthly Straight Line, Fortnightly Straight Line and Monthly Reducing Balance.

  • Free, one-stop service
    Legal assistance, property valuation , mortgage contract notarisation and property insurance .
  • Fast Approval
    Most applications will be processed within 3 working days once all necessary information has been submitted. For HSBC Premier Elite and Private Banking customers, the time can be shortened to no more than 1 working day.
  • Comprehensive Service

    One-to-one service – our mortgage loan adviser will guide you through the process and make sure it's hassle-free.

    Special offers – enjoy preferential pricing with selected property developers

    Branch network support – HSBC China offers a home mortgage loan service in many major cities throughout China. Please find your nearest HSBC branch for more information.

  • Extras
    Free property insurance plus comprehensive third-party services including legal assistance, property valuation and mortgage contract notarisation.
  • One-to-one service during the borrowing journey
  • Selected projects in the primary market

*Subject to prevailing rules and regulations as well as the bank's credit assessment.

Note: Services are provided subject to prevailing regulatory requirements, which may change from time to time. Terms and conditions are subject to the mortgage contract between the Bank and the applicant.

How to Apply

HSBC China Home Mortgage Loan Hotline

400-820-4335
(9:00-17:00, Monday - Friday)

Please dial the country code of mainland China +86 if you are calling from overseas, Hong Kong SAR, Macau SAR, or Taiwan

Home mortgage loan base rate

Last Updated: 01/09/2023

HSBC (China) Home Mortgage Loan Base Rates
HSBC (China) Home Mortgage Loan Base Rates
Current Base Rate (% p.a.)
USD Base Lending Rate
9.25%
HKD Base Lending Rate
10.00%

RMB PBOC Commercial Base Lending Rate

(applicable to the Mortgage Contract signed before 08 OCT 2019)

4.9%   (loan tenor over 5 years)

4.75% (loan tenor between 1 to 5 years, including 5 years)

4.35% (loan tenor between 0 to 1 year, including 1 year)

RMB Loan Prime Rate

(applicable to the Mortgage Contract signed on and after 08 OCT 2019)

Subject to the announcement - LPR 5Y by National InterBank Funding Center
HSBC (China) Home Mortgage Loan Base Rates
HSBC (China) Home Mortgage Loan Base Rates
USD Base Lending Rate
Current Base Rate (% p.a.)
9.25%
HSBC (China) Home Mortgage Loan Base Rates
HKD Base Lending Rate
Current Base Rate (% p.a.)
10.00%
HSBC (China) Home Mortgage Loan Base Rates

RMB PBOC Commercial Base Lending Rate

(applicable to the Mortgage Contract signed before 08 OCT 2019)

Current Base Rate (% p.a.)

4.9%   (loan tenor over 5 years)

4.75% (loan tenor between 1 to 5 years, including 5 years)

4.35% (loan tenor between 0 to 1 year, including 1 year)

HSBC (China) Home Mortgage Loan Base Rates

RMB Loan Prime Rate

(applicable to the Mortgage Contract signed on and after 08 OCT 2019)

Current Base Rate (% p.a.)
Subject to the announcement - LPR 5Y by National InterBank Funding Center

Disclaimer:

Please note that the above home mortgage loan base rates are for reference only and subject to changes from time to time without notice. 

Annualized interest rate for Home Mortgage Loan is calculated by simple interest method.

For further information, please visit your nearest HSBC Branch or Sub-branch in China, or dial the hotline 95366.

How much can I borrow?

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How to apply

For salaried individuals:

  • Home loan application form
  • Original and one photocopy of your ID or passport
  • Residents Booklet (applicable to local PRC residents only)
  • Marriage Certificate (applicable to local PRC residents only)
  • Proof of income, such as tax returns for the past year, employment contract, employment letter or salary slips for the past three months from a reputable company and major account statements for the past three months
  • Proof of your current residential address
  • Your Property Sales and Purchase Agreement
  • Other documents as required

For self-employed individuals:

  • Home loan application form
  • Original and one photocopy of your ID or passport
  • Residents Booklet (only applicable to local PRC residents)
  • Marriage Certificate (only applicable to local PRC residents)
  • Proof of business ownership
  • Proof of income, such as major account statements for the past 12 months and/or your tax returns for the past year
  • Audited financial statements of your company for the past year
  • Proof of your current residential address
  • Your Property Sales and Purchase Agreement
  • Other documents as required

Other documents required:

  • A Letter of undertaking to state that you are fully aware of and are willing to take the risks due to any possible regulation updates, including the amendment and/or cancellation of our facility without your confirmation (for expatriates only)
  • Valid employment contract or proof of study status for over one year in China (for foreign passport holders only and not applicable to Hong Kong, Macau, Taiwan and overseas Chinese)

Please note: The above documents required may change from time to time in accordance with the changes of laws and regulations or HSBC China's own requirements without notice from HSBC, and could differ among different cities/regions based on local regulatory requirements or HSBC China's own requirements. You are advised to contact an HSBC branch to confirm the detail of the necessary documents and procedures required by local requirements before applying for a home loan.

We’ll guide you step by step throughout the journey of your home mortgage loan application. Please contact us for more details.

  1. Visit your nearest HSBC branch and choose the home loan that’s right for you, with the one-on-one help of one of our home loan advisors. Or fill out and send in an application to us with the relevant documents.
  2. We assess your application and arrange a property valuation. If your application is successful, we issue the home loan contract.
  3. You sign the home loan contract. We arrange a lawyer to help you with notarisation and registration.
  4. After your home loan drawdown, you can begin enjoying your dream home.

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