Enjoy peace of mind locking your interest rate
Take the limited-time fixed rate mortgage plan to lock a mortgage rate during the fixed rate period. That way, you could enjoy repayment stability and make budgeting easier.
Our rates
3-year2.73% p.a.
5-year2.73% p.a.
Key benefits
What you need to know
Are you eligible?
- The Fixed Rate Mortgage Plan is applicable only to private domestic primary and secondary market sale and purchase transactions, refinancing and equity loans[@mortgage-fixed-rate-eligibility].
- Customers who maintain an HSBC account with a loan amount from HKD1,000,000 to HKD20,000,000 are eligible for the Fixed Rate Mortgage Plan.
- This plan is open for application from 25 August to 31 December 2025, and the loan drawdown must take place on or before 30 Apr 2026.
Mortgage tools and resources
Learn all about mortgages and how to confidently prepare for home ownership.
<span class="A-TYPS3L-RW-DEV">Instant Mortgage Assessment</span> This link will open in a new window
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.
Estimate the current value of any flat in major estates in Hong Kong with our simple address-based tool.
Download the forms and documents for our mortgage products.
How to apply
Apply online
Submit your online application any time, quickly and conveniently.
Meet with us
You can book an appointment to meet a mortgage specialist in person at a designated branch.
Frequently asked questions
Explore other mortgage products
Check out and compare our mortgage products to find the right one for you.
We offer a range of loan types to meet your unique financing needs.
Get your mortgage secured 1 year before property completion, and borrow up to 100% of the property purchase price.
Better manage your cash flow with loans to cover a variety of expenses.