Enjoy peace of mind locking your interest rates
3-year Fixed Rate Mortgage Plan: 3.25% p.a.
5-year Fixed Rate Mortgage Plan: 3.15% p.a.
Key benefits
Eligibility of Fixed Rate Mortgage
- The Fixed Rate Mortgage Plan is applicable only to private domestic primary and secondary market sales and purchase transactions, refinancing, and car park loans.
- Customers who maintain an HSBC account with a loan amount from HKD1,000,000 to HKD20,000,000 are eligible to apply for the Fixed Rate Mortgage Plan.
- Open for application from 24 Sep to 31 Dec 2024, and the loan drawdown must take place on or before 28 Feb 2025.
In the event of a dispute arising out of this promotion, the decision of the Bank shall be final and conclusive.
Mortgage tools and resources
Product information
How to apply
You can book an appointment to meet a mortgage specialist in person at a designated branch.
Give us a call to get your application started. Lines are open 9:00am to 8:00pm, Mondays to Fridays, and 9:00am to 5:00pm on Saturdays, except public holidays.
Application hotline:
(852) 2748 8080
Use your Security Device / Mobile Security Key to log on and apply.
Log on nowFrequently asked questions
You will normally need to provide the following documents when you submit your mortgage application.
For application under individual name(s)
- Hong Kong ID Cards or passports of all borrowers (and guarantors, if any)
- For a newly purchased property:
- Provisional or Formal Sale & Purchase Agreement - For refinancing an existing mortgage against a property you already own:
- repayment records from your existing mortgagee bank showing the last three month's payments, AND;
- the repayment schedule for your existing mortgage, AND
- address proof for self-occupancy, if applicable - Bank statements showing your salary deposits for the last three months
- Proof of your employment, which could be:
- your latest tax demand note, OR;
- your latest employer's tax return note, OR;
- other income proof documents issued by your employer.
For an application under the name of a shell company
- Hong Kong ID Cards or passports of all guarantors
- For a newly purchased property:
- Provisional or Formal Sale & Purchase Agreement - For refinancing an existing mortgage against a property you already own:
- repayment records from your existing mortgage lender showing the last three months' payments, AND;
- the repayment schedule for your existing mortgage, AND
- address proof for self-occupancy, if applicable - Bank statements showing each guarantor's salary deposits for the last three months
- Proof of each guarantor's employment, which could be:
- the latest tax demand note, OR;
- the latest employer's tax return note, OR;
- other income proof documents issued by the guarantor's employer. - Business Registration Certificate or Certificate of Incorporation of the shell company
- Minutes of meeting approving the mortgage application and indicating mortgagee bank, property address and loan amount
To change your mortgage plan, contact HSBC branch to check your eligibility for other mortgage plans. There may be a charge for making this change: see the prevailing Bank tariff guide for HSBC Retail Banking and Wealth Management Customers. for details.
To change the amount or frequency of your mortgage repayments, please contact HSBC branch. There may be a charge for making this change: see the prevailing Bank tariff guide for HSBC Retail Banking and Wealth Management Customers for details.
Explore other mortgage products
To borrow or not to borrow? Borrow only if you can repay!
