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HSBC Home Loan Rates

Active products
79
Lowest variable
5.94%
Lowest fixed
6.29%
Lowest comparison
5.98%
Last updated
28 July 2026

HSBC Bank Australia is the local arm of the global HSBC Group, with a smaller but consistent home-loan range targeting PAYG and self-employed borrowers including expats and non-residents (where policy permits). The Premier Home Loan adds offset and waived fees for HSBC Premier customers.

What is the lowest HSBC home loan rate?

The lowest HSBC variable home loan rate Ratesniffers tracks is 5.94% p.a., and the lowest fixed rate is 6.29% p.a. These figures come from the 78 HSBC products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).

How many home loan products does HSBC offer?

Ratesniffers currently tracks 78 HSBC home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.

HSBC home loan rates at a glance

Product typeRateComparison rateMax LVR
Variable Owner-occupier P&I5.94% p.a.5.98% p.a.100%
Variable Owner-occupier P&I5.94% p.a.5.98% p.a.100%
Variable Owner-occupier P&I5.94% p.a.5.98% p.a.100%
Variable Owner-occupier P&I5.94% p.a.5.98% p.a.90%
Variable Owner-occupier P&I5.94% p.a.5.98% p.a.90%
Variable Owner-occupier P&I5.94% p.a.5.98% p.a.90%
Variable Investor P&I6.04% p.a.6.08% p.a.100%
Variable Investor P&I6.04% p.a.6.08% p.a.100%
Variable Investor P&I6.04% p.a.6.08% p.a.100%
Variable Investor P&I6.04% p.a.6.08% p.a.90%
Variable Investor P&I6.04% p.a.6.08% p.a.90%
Variable Investor P&I6.04% p.a.6.08% p.a.90%

78 HSBC home loan products

HSBC logo
Home Value Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.94%p.a.
Comparison*
5.98%p.a.
Monthly repayment
$2,978
LVR 70–80%
More details
HSBC logo
Home Value Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 70–80%
More details
HSBC logo
Home Value Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 1–80%
More details
HSBC logo
Home Value Loan
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.29%p.a.
Comparison*
6.33%p.a.
Monthly repayment
$3,092
LVR 1–80%
More details

Negotiate HSBC rates with a broker

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Who is HSBC?

HSBC Bank Australia is the local arm of the global HSBC Group, one of the world's largest banking groups. In Australia it operates a compact network of roughly 36 branches and offices concentrated in the capital cities, with day-to-day servicing done mostly through its app and online banking.

HSBC's home-loan pricing is package-led: its discounted package carries an annual fee in exchange for rate discounts and waivers on settlement, establishment and valuation fees, and its Premier tier extends further benefits to eligible customers. Its international heritage also shows in its lending, with policies aimed at customers who bank or earn across borders.

Who suits a HSBC home loan?

HSBC tends to suit metro borrowers comfortable managing a loan digitally, package borrowers who will actually use the fee waivers and discounts, and customers with international banking or income arrangements. Compare its package comparison rate, not just the headline discount, against the sharpest rates in the table above.

Background facts checked 13 July 2026. Rates above refresh independently.

HSBC home loans: frequently asked questions

What is the lowest HSBC home loan rate?

HSBC's lowest variable home loan rate is currently 5.94% p.a., and its lowest fixed rate is 6.29% p.a., based on the 78 HSBC products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate HSBC approves, a broker can often negotiate a sharper deal on your scenario.

How does HSBC's home loan rate compare to the market?

HSBC's lowest variable home loan rate today is 5.94% p.a., which is 15 basis points below the market median of 6.09% p.a., which puts HSBC among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where HSBC sits right now rather than a fixed snapshot.

How many home loan products does HSBC offer?

Ratesniffers currently tracks 79 HSBC home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 78 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.

Is HSBC competitive for refinancing?

It depends on your loan size and LVR. HSBC's lowest comparison rate is currently 5.98% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing HSBC against the sharpest available rate usually pays off.

How often are HSBC's home loan rates updated?

Ratesniffers refreshes HSBC's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever HSBC reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.

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