Loans to support mortgage holders
A range of home related loans to help you with your financial management
Online mortgage application offer
- Apply for a mortgage online and earn extra HKD500 rewards. Enjoy the convenience and save time! T&Cs apply (PDF).
Equity Loan
If you've already got a mortgage with HSBC, you can top up your mortgage up to 80%1 of your property's current value. Manage your financial options by making the most of what you have already accumulated.
Bridging Loan
If you complete on your new home before you have sold your existing one, a bridging loan can help make sure you can pay your deposit, down payment or other expenses. It will provide flexibility to balance your transactions.
Refinancing with your property
With our flexible home loan options, we can help you refinance with your property to achieve your financial goals.
Car Park Loan
You can apply for a loan to buy a parking space, even if you're not purchasing the space at the same time as your home.
Payment Arrangements for Property Transactions (PAPT):
To enhance customer protection and efficiency of payment, customers can choose PAPT, which is an additional mortgage loan drawdown arrangement whereby the loan proceeds will be transferred to the seller’s bank or existing mortgagee through the interbank electronic payment system on the drawdown date. PAPT is applicable to the sale and purchase (S&P) of secondary market residential properties in Hong Kong as well as refinancing transactions relating to these properties. In the case of S&P of properties, buyers and sellers who wish to use PAPT may request their estate agents to incorporate relevant clauses into the provisional S&P agreement.
For details of S&P transactions, please view Payment Arrangements for Property Transactions (PAPT) S&P in secondary market residential properties leaflet [PDF].
For details of refinancing transactions, please view Payment Arrangements for Property Transactions (PAPT) Refinancing leaflet [PDF].
How to apply
Apply online
Submit your online application anytime, quickly and conveniently.
Meet with us
You can book an appointment to meet a mortgage specialist in person at a designated branch.
Mortgage tools and resources
Property valuation tool
Estimate the current value of a flat in major estates of Hong Kong with our simple address-based tool.
Instant Mortgage Assessment
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
Related products and services
Government Housing Schemes
If you're eligible for the Tenants Purchase, Home Ownership or Secondary Market Schemes, we can help you buy your home.
Repayment plan options
Own your home sooner and save on interest or repay less in the earlier years.
Home related insurance
Protect your new home with policies that cover your home's structure against hazard, your belongings and more.
Important information
To borrow or not to borrow?
Borrow only if you can repay!
Remarks
1 The maximum mortgage loan amount is capped at 80% of the property purchase price or property valuation (whichever is lower) provided that mortgage insurance cover is made available by HKMC Insurance Limited and subject to their latest guideline.
2 Hong Kong Interbank Offered Rate (HIBOR) as at any date means the Hong Kong Interbank Offered Rate for the interest period of 1 month for Hong Kong Dollars quoted by The Hongkong and Shanghai Banking Corporation Limited at or about 11:00 a.m. (Hong Kong time) on such date. This HIBOR quoted by The Hongkong and Shanghai Banking Corporation Limited is not necessarily the same as HKD Interest Settlement Rates published by The Hong Kong Association of Banks.
3 Best Lending Rate (BLR) refers to the Hong Kong Dollar Best Lending Rate quoted by The Hongkong and Shanghai Banking Corporation Limited from time to time.