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A couple selecting home finishes in their new home; image used for HSBC Home Loans Featured Interest rates page.

Home Loans Featured Interest rates

Designed with flexibility and exclusive service to best suit your needs whatever house or apartment you are buying.

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Home Value Loan

Principal + Interest for home value loan owner occupiers

Loan to Value ratio (LVR)
Interest rate~
Comparison rate^
LVR 70% or less
2.19% p.a.
2.20% p.a.
LVR between 70% and 80%
2.44% p.a.
2.45% p.a.
LVR above 80%
2.54% p.a.
2.55% p.a.

Principal + Interest for home value loan owner occupiers

Loan to Value ratio (LVR)
LVR 70% or less
Interest rate~
2.19% p.a.
Comparison rate^
2.20% p.a.
Loan to Value ratio (LVR)
LVR between 70% and 80%
Interest rate~
2.44% p.a.
Comparison rate^
2.45% p.a.
Loan to Value ratio (LVR)
LVR above 80%
Interest rate~
2.54% p.a.
Comparison rate^
2.55% p.a.

Interest Only for home value loan owner occupiers

Loan to Value ratio (LVR)
Interest rate~
Comparison rate^
LVR 80% or less
2.98% p.a.
2.58% p.a.

Interest Only for home value loan owner occupiers

Loan to Value ratio (LVR)
LVR 80% or less
Interest rate~
2.98% p.a.
Comparison rate^
2.58% p.a.

Standard Variable Rate (with package)*

Principal + Interest for standard variable rate owner occupiers

Loan to Value ratio (LVR)
Interest rate~
Comparison rate^
LVR 70% or less
2.29% p.a.
2.74% p.a.
LVR between 70% and 80%
2.54% p.a.
2.98% p.a.
LVR above 80%
2.64% p.a.
3.08% p.a.

Principal + Interest for standard variable rate owner occupiers

Loan to Value ratio (LVR)
LVR 70% or less
Interest rate~
2.29% p.a.
Comparison rate^
2.74% p.a.
Loan to Value ratio (LVR)
LVR between 70% and 80%
Interest rate~
2.54% p.a.
Comparison rate^
2.98% p.a.
Loan to Value ratio (LVR)
LVR above 80%
Interest rate~
2.64% p.a.
Comparison rate^
3.08% p.a.

Interest Only for standard variable rate owner occupiers

Loan to Value ratio (LVR)
Interest rate~
Comparison rate^
LVR 80% or less
3.08% p.a.
3.08% p.a.

Interest Only for standard variable rate owner occupiers

Loan to Value ratio (LVR)
LVR 80% or less
Interest rate~
3.08% p.a.
Comparison rate^
3.08% p.a.

Home Smart (with package)*

Principal + Interest for home smart owner occupiers

Loan to Value ratio (LVR)
Interest rate*
Comparison rate^
LVR 80% or less
2.54% p.a.
2.98% p.a.
LVR above 80%
2.64% p.a. 
3.08% p.a.

Principal + Interest for home smart owner occupiers

Loan to Value ratio (LVR)
LVR 80% or less
Interest rate*
2.54% p.a.
Comparison rate^
2.98% p.a.
Loan to Value ratio (LVR)
LVR above 80%
Interest rate*
2.64% p.a. 
Comparison rate^
3.08% p.a.

Home Equity (with package)*

Interest Only for home equity owner occupiers

Loan to Value ratio (LVR)
Interest rate~
Comparison rate^
LVR 80% or less
3.37% p.a.
-
LVR above 80%
3.52% p.a.
-

Interest Only for home equity owner occupiers

Loan to Value ratio (LVR)
LVR 80% or less
Interest rate~
3.37% p.a.
Comparison rate^
-
Loan to Value ratio (LVR)
LVR above 80%
Interest rate~
3.52% p.a.
Comparison rate^
-

Fixed Rate Loans

Available on borrowings from $50,000. Package eligibility applies1.

Principal and interest - LVR 80% or less for fixed rate loans owner occupiers

Fixed rate term
Interest rate#
Comparison rate^
1 Year

2.15% p.a. (packaged)

2.25% p.a. (non-packaged)

2.94% p.a. (packaged)

3.13% p.a. (non-packaged)

2 Years

1.88% p.a. (packaged)

2.09% p.a. (non-packaged)

2.87% p.a. (packaged)

3.03% p.a. (non-packaged)

3 Years

2.09% p.a. (packaged)

2.29% p.a. (non-packaged)

2.87% p.a. (packaged)

3.00% p.a. (non-packaged)

5 Years

2.60% p.a. (packaged)

2.70% p.a. (non-packaged)

3.00% p.a. (packaged)

3.03% p.a. (non-packaged)

Principal and interest - LVR 80% or less for fixed rate loans owner occupiers

Fixed rate term
1 Year
Interest rate#

2.15% p.a. (packaged)

2.25% p.a. (non-packaged)

Comparison rate^

2.94% p.a. (packaged)

3.13% p.a. (non-packaged)

Fixed rate term
2 Years
Interest rate#

1.88% p.a. (packaged)

2.09% p.a. (non-packaged)

Comparison rate^

2.87% p.a. (packaged)

3.03% p.a. (non-packaged)

Fixed rate term
3 Years
Interest rate#

2.09% p.a. (packaged)

2.29% p.a. (non-packaged)

Comparison rate^

2.87% p.a. (packaged)

3.00% p.a. (non-packaged)

Fixed rate term
5 Years
Interest rate#

2.60% p.a. (packaged)

2.70% p.a. (non-packaged)

Comparison rate^

3.00% p.a. (packaged)

3.03% p.a. (non-packaged)

Principal and interest - LVR above 80% for fixed rate loans owner occupiers

Fixed rate term
Interest rate#
Comparison rate^
1 Year

2.30% p.a. (packaged)

2.40% p.a. (non-packaged)

3.05% p.a. (packaged)

3.28% p.a. (non-packaged)

2 Years

2.30% p.a. (packaged)

2.40% p.a. (non-packaged)

3.02% p.a. (packaged)

3.21% p.a. (non-packaged)

3 Years

2.40% p.a. (packaged)

2.50% p.a. (non-packaged)

3.02% p.a. (packaged)

3.16% p.a. (non-packaged)

5 Years

2.75% p.a. (packaged)

2.85% p.a. (non-packaged)

3.12% p.a. (packaged)

3.18% p.a. (non-packaged)

Principal and interest - LVR above 80% for fixed rate loans owner occupiers

Fixed rate term
1 Year
Interest rate#

2.30% p.a. (packaged)

2.40% p.a. (non-packaged)

Comparison rate^

3.05% p.a. (packaged)

3.28% p.a. (non-packaged)

Fixed rate term
2 Years
Interest rate#

2.30% p.a. (packaged)

2.40% p.a. (non-packaged)

Comparison rate^

3.02% p.a. (packaged)

3.21% p.a. (non-packaged)

Fixed rate term
3 Years
Interest rate#

2.40% p.a. (packaged)

2.50% p.a. (non-packaged)

Comparison rate^

3.02% p.a. (packaged)

3.16% p.a. (non-packaged)

Fixed rate term
5 Years
Interest rate#

2.75% p.a. (packaged)

2.85% p.a. (non-packaged)

Comparison rate^

3.12% p.a. (packaged)

3.18% p.a. (non-packaged)

Interest only - LVR 80% or less for fixed rate loans owner occupiers

Fixed rate term
Interest rate#
Comparison rate^
1 Year

2.65% p.a. (packaged)

2.75% p.a. (non-packaged)

2.98% p.a. (packaged)

3.18% p.a. (non-packaged)

2 Years

2.65% p.a. (packaged)

2.75% p.a. (non-packaged)

2.97% p.a. (packaged)

3.14% p.a. (non-packaged)

3 Years

2.75% p.a. (packaged)

2.85% p.a. (non-packaged)

3.00% p.a. (packaged)

3.13% p.a. (non-packaged)

Interest only - LVR 80% or less for fixed rate loans owner occupiers

Fixed rate term
1 Year
Interest rate#

2.65% p.a. (packaged)

2.75% p.a. (non-packaged)

Comparison rate^

2.98% p.a. (packaged)

3.18% p.a. (non-packaged)

Fixed rate term
2 Years
Interest rate#

2.65% p.a. (packaged)

2.75% p.a. (non-packaged)

Comparison rate^

2.97% p.a. (packaged)

3.14% p.a. (non-packaged)

Fixed rate term
3 Years
Interest rate#

2.75% p.a. (packaged)

2.85% p.a. (non-packaged)

Comparison rate^

3.00% p.a. (packaged)

3.13% p.a. (non-packaged)

How to apply

New customers

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

Existing customers

Existing HSBC Australia customers with online banking

~ Promotional offer available on new borrowings from $50,000. Excludes LVR above 80%. Variable interest rate is current as at 11 October 2021 and is subject to change. Maximum loan amount is $15,000,000.

^ The comparison rate is based on a secured loan of $150,000 over the term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

* Promotional offer available on new borrowings from $50,000. Package eligibility applies. Excludes LVR above 80%. Variable interest rate is current as at 11 October 2021 and is subject to change. Maximum loan amount is $15,000,000.

# Available on borrowings from $50,000. Package eligibility applies. Excludes LVR above 80%. Interest rate is current as at 11 October 2021 and is subject to change. Reverts to HSBC’s Standard Variable Rate. Maximum loan amount is $15,000,000.

  1. To be eligible for HSBC Home Loan Package, you must have minimum borrowings of $150,000 and pay the annual package fee of $390. The package fee will be deducted from the loan proceeds at settlement, and charged to the package home loan on the first business day of the loan anniversary month. Excludes non-resident applications.

Credit provided by HSBC Bank Australia ABN 48 006 434 162. Australian Credit Licence/AFSL 232595. Home Loan Terms and Personal Banking Booklet, fees and charges and lending criteria apply.