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Market Linked Loan

A loan for investors with income in foreign currency. Apply Today for a HSBC home loan

Why choose a Market Linked Loan?

If you are an expatriate or investor earning an income in Hong Kong or US dollars and wanting to purchase an investment property in Australia the Market Linked Home Loan is just right for you.
  • Loan denomination and repayments available in HKD and USD
  • Available for HSBC Premier Customers only
  • Principal and Interest repayments only
  • Minimum borrowing amount $50,000
  • Investment loan purpose only

Interest Rates

Based on an Investment Interest Rate  (Principal and Interest)
HKD - 3.86% p.a.
Interest Rate
USD - 4.39% p.a.
Interest Rate

Key product details

Key product details for the Market Linked Home Loan
Product Features


Interest type

Fixed interest rate1 resets every 3 months (HKD or USD)

Maximum Loan to Value Ratio (LVR)

Up to 60%* if loan is under $1,000,000. Up to 55%* if loan is over $1,000,000.

Loan amount

You could borrow from $50,000 up to $1,000,000 AUD (investment security), subject to approval.
You could borrow from $50,000 up to $2,000,000 AUD (owner occupied security), subject to approval.


Transfer your home loan to your new property if you decide to move, subject to approval.

Redraw of available funds

Only available on the interest review date (every 3 months).

Repayment options

Principal and interest (Fixed Rate - rate reviewed every 3 months).

Repayment method

Only via HSBC Foreign Currency Account

Payment frequency

Monthly (Direct Credit not applicable)

Additional repayments

Yes on the 3 month review date.

Loan term

1 to 30 years.


Available for investment only.

Rates and fees

Rates and fees for the Market Linked home loan
Fee Type

HSBC Market Linked Loan Rate 

(Principal and Interest^)

HKD – 3.86% p.a
USD – 4.39% p.a

Rates are current as at:

(and subject to change)

12 November 2018

Monthly Fee

HSBC Premier monthly fee of $35 applies
(Other fees and charges may apply)

Establishment fee


Valuation fee

Quoted on application

Settlement fee


Redraw fee

$0 (only available on the interest review date every 3 months)

Variation fee


Early repayment fee

$0 (only available on the interest review date every 3 months)

Apply for a Variable Rate Home Loan

New customers

New HSBC Australia customers or existing customer who do not have online banking

Call us today

Call us on 1300 694 722


You might be interested in

Compare our range of HSBC Home Loans.

Find the facts and figures you need to help make decisions.

Information to help you through the process of buying your home.

Information to help you make your first big investment into property

HKD = Hong Kong Dollars
USD = United States Dollars

Fixed Rate Break costs may apply, calculated using the break cost formula.

^ Interest Only Rates are available on HSBC's Interest Rate page. Terms, conditions and restrictions apply.

* Loan to Value Ratio (LVR) subject to HSBC's assessment, lending criteria and Lender's Mortgage Insurance (LMI) acceptance.

Credit provided by HSBC Bank Australia ABN 48 006 434 162. Australia Credit Licence 232595. Terms, conditions (PDF, 505 KB), fees, charges (PDF, 68 KB) and lending criteria apply.

A margin may be added to the advertised rate to determine the interest rate.