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HSBC Fixed Rate Mortgage
Licensed bank
For primary-market purchases, 3- or 5-year fixed rates are 2.73% for applications by 30 September 2026 and drawdown by 31 January 2027
What HSBC Fixed Rate Mortgage offers
A 2.93% rate applies to primary-market applications from October–December 2026 and other eligible applications from September–December, with drawdown by 30 April 2027
HK$1m–HK$50m for HSBC account holders; eligible private domestic purchases, refinancing and equity loans
More Mortgage information
HKMA mortgage prudential limits
The current general prudential cap is 70% loan-to-value for residential property mortgages.
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HKMC Mortgage Insurance Programme
At HK$10m or below, the maximum LTV is 80% or 90%; above HK$10m and below HK$11.25m, the same tiers carry a HK$9m loan cap.
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IFEC home-buying guide
Build the budget from down payment, stamp duty, legal fees, agency commission, renovation and recurring costs.
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