HSBC Home Loan Rates

Q: How often are HSBC's home loan rates updated?

Ratesniffers last verified the HSBC archive on 11 Sept 2026. HSBC is not open to new applications, so this page is not a daily shopping list.

Existing customers only

HSBC is closing its Australian retail banking business and is not open to new home loan applications. The rates on this page are for existing customers only.

Lowest listed variable

5.94%

Lowest listed fixed

6.29%

Lowest comparison

6.45%

Last verified

11 Sept 2026

HSBC Bank Australia announced on 31 July 2026 that it is closing its Australian retail banking business and no longer accepts new home loan applications. Existing-customer rates remain on this page so current borrowers can compare today's pricing while the portfolio sale proceeds.

Can I apply for a HSBC home loan?

No. HSBC announced on 31 July 2026 that it is closing its Australian retail banking business and no longer accepts new home loan applications. Existing customers keep today's rate, fees and repayments until they receive written notice of the servicer change.

What HSBC rates remain listed for existing customers?

The lowest variable rate still listed for existing HSBC customers is 5.94% p.a., and the lowest listed fixed rate is 6.29% p.a. These figures are for existing customers only, last verified 11 Sept 2026, and are not an offer for new borrowers.

Why does this HSBC page still list rates?

This page keeps an archive of HSBC home loan rates for existing customers. HSBC is not accepting new applications, so these rows are not a shortlist for new borrowers. Comparison rates are the ASIC-mandated true-cost figure. Where a comparison rate is not published on a row, this page does not invent one.

HSBC existing-customer rates at a glance

Product type	Rate	Max LVR
Variable Owner-occupier P&I	5.94% p.a.	50%
Variable Owner-occupier P&I	5.99% p.a.	60%
Variable Owner-occupier P&I	6.04% p.a.	70%
Variable Owner-occupier P&I	6.09% p.a.	80%
Variable Investor P&I	6.14% p.a.	50%
Variable Investor P&I	6.19% p.a.	60%
Variable Investor P&I	6.24% p.a.	70%
Variable Investor interest-only	6.29% p.a.	50%
Variable Owner-occupier interest-only	6.29% p.a.	50%
Variable Investor P&I	6.29% p.a.	80%
Variable Investor interest-only	6.34% p.a.	60%
Variable Owner-occupier interest-only	6.34% p.a.	60%

HSBC existing-customer rates (archive)

Existing customers only. HSBC is not accepting new applications. Rows without a published comparison rate show no comparison figure.

HSBCHome Value <50% LVR Variable Owner Occupied P&I (existing customers only)

VariableRedraw

Interest

5.94%p.a.

Comparison*

Not available

Est. repayment

$2,978

LVR ≤50%

Existing customers only

HSBCHome Value 50% - 60% LVR Variable Owner Occupied P&I (existing customers only)

VariableRedraw

Interest

5.99%p.a.

Comparison*

Not available

Est. repayment

$2,995

LVR 50 to 60%

Existing customers only

HSBCHome Value 60% - 70% LVR Variable Owner Occupied P&I (existing customers only)

VariableRedraw

Interest

6.04%p.a.

Comparison*

Not available

Est. repayment

$3,011

LVR 60 to 70%

Existing customers only

HSBCHome Value 70% - 80% LVR Variable Owner Occupied P&I (existing customers only)

VariableRedraw

Interest

6.09%p.a.

Comparison*

Not available

Est. repayment

$3,027

LVR 70 to 80%

Existing customers only

HSBCHome Value <50% LVR Variable Investment P&I (existing customers only)

VariableRedraw

Interest

6.14%p.a.

Comparison*

Not available

Est. repayment

$3,043

LVR ≤50%

Existing customers only

HSBCHome Value 50% - 60% LVR Variable Investment P&I (existing customers only)

VariableRedraw

Interest

6.19%p.a.

Comparison*

Not available

Est. repayment

$3,059

LVR 50 to 60%

Existing customers only

HSBCHome Value 60% - 70% LVR Variable Investment P&I (existing customers only)

VariableRedraw

Interest

6.24%p.a.

Comparison*

Not available

Est. repayment

$3,075

LVR 60 to 70%

Existing customers only

HSBCHome Value <50% LVR Variable Investment IO (existing customers only)

VariableRedraw

Interest

6.29%p.a.

Comparison*

Not available

Est. repayment

$3,092

LVR ≤50%

Existing customers only

HSBCHome Value <50% LVR Variable Owner Occupied IO (existing customers only)

VariableRedraw

Interest

6.29%p.a.

Comparison*

Not available

Est. repayment

$3,092

LVR ≤50%

Existing customers only

HSBCHome Value 70% - 80% LVR Variable Investment P&I (existing customers only)

VariableRedraw

Interest

6.29%p.a.

Comparison*

Not available

Est. repayment

$3,092

LVR 70 to 80%

Existing customers only

HSBCHome Value 50% - 60% LVR Variable Investment IO (existing customers only)

VariableRedraw

Interest

6.34%p.a.

Comparison*

Not available

Est. repayment

$3,108

LVR 50 to 60%

Existing customers only

HSBCHome Value 50% - 60% LVR Variable Owner Occupied IO (existing customers only)

VariableRedraw

Interest

6.34%p.a.

Comparison*

Not available

Est. repayment

$3,108

LVR 50 to 60%

Existing customers only

HSBCHome Value 60% - 70% LVR Variable Investment IO (existing customers only)

VariableRedraw

Interest

6.39%p.a.

Comparison*

Not available

Est. repayment

$3,124

LVR 60 to 70%

Existing customers only

HSBCHome Value 60% - 70% LVR Variable Owner Occupied IO (existing customers only)

VariableRedraw

Interest

6.39%p.a.

Comparison*

Not available

Est. repayment

$3,124

LVR 60 to 70%

Existing customers only

HSBCHome Value 80% - 90% LVR Variable Owner Occupied P&I (existing customers only)

VariableRedraw

Interest

6.39%p.a.

Comparison*

Not available

Est. repayment

$3,124

LVR 80 to 90%

Existing customers only

HSBCPackage Standard Variable <50% LVR Investment IO (existing customers only)

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR ≤50%

Existing customers only

HSBCPackage Standard Variable <50% LVR Owner Occupied IO (existing customers only)

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR ≤50%

Existing customers only

HSBCHome Value 70% - 80% LVR Variable Investment IO (existing customers only)

VariableRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR 70 to 80%

Existing customers only

HSBCHome Value 70% - 80% LVR Variable Owner Occupied IO (existing customers only)

VariableRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR 70 to 80%

Existing customers only

HSBCPackage Standard Variable <50% LVR Owner Occupied P&I (existing customers only)

VariableOffsetRedraw

Interest

6.09%p.a.

Comparison*

6.45%p.a.

Est. repayment

$3,027

LVR ≤50%

Existing customers only

HSBCPackage Standard Variable 50% - 60% LVR Investment IO (existing customers only)

VariableOffsetRedraw

Interest

6.49%p.a.

Comparison*

Not available

Est. repayment

$3,157

LVR 50 to 60%

Existing customers only

HSBCPackage Standard Variable 50% - 60% LVR Owner Occupied IO (existing customers only)

VariableOffsetRedraw

Interest

6.49%p.a.

Comparison*

Not available

Est. repayment

$3,157

LVR 50 to 60%

Existing customers only

HSBCPackage Standard Variable 50% - 60% LVR Owner Occupied P&I (existing customers only)

VariableOffsetRedraw

Interest

6.14%p.a.

Comparison*

6.50%p.a.

Est. repayment

$3,043

LVR 50 to 60%

Existing customers only

HSBC1 Year Fixed Package <60% LVR Owner Occupied P&I (existing customers only)

1y Fixed

Interest

6.29%p.a.

Comparison*

6.52%p.a.

Est. repayment

$3,092

LVR ≤60%

Existing customers only

HSBC2 Year Fixed Package <60% LVR Owner Occupied P&I (existing customers only)

2y Fixed

Interest

6.29%p.a.

Comparison*

6.53%p.a.

Est. repayment

$3,092

LVR ≤60%

Existing customers only

HSBC1 Year Fixed Package <60% LVR Investment IO (existing customers only)

1y Fixed

Interest

6.54%p.a.

Comparison*

Not available

Est. repayment

$3,174

LVR ≤60%

Existing customers only

HSBC1 Year Fixed Package <60% LVR Owner Occupied IO (existing customers only)

1y Fixed

Interest

6.54%p.a.

Comparison*

Not available

Est. repayment

$3,174

LVR ≤60%

Existing customers only

HSBC2 Year Fixed Package <60% LVR Investment IO (existing customers only)

2y Fixed

Interest

6.54%p.a.

Comparison*

Not available

Est. repayment

$3,174

LVR ≤60%

Existing customers only

HSBC2 Year Fixed Package <60% LVR Owner Occupied IO (existing customers only)

2y Fixed

Interest

6.54%p.a.

Comparison*

Not available

Est. repayment

$3,174

LVR ≤60%

Existing customers only

HSBCPackage Standard Variable 60% - 70% LVR Investment IO (existing customers only)

VariableOffsetRedraw

Interest

6.54%p.a.

Comparison*

Not available

Est. repayment

$3,174

LVR 60 to 70%

Existing customers only

HSBCPackage Standard Variable 60% - 70% LVR Owner Occupied IO (existing customers only)

VariableOffsetRedraw

Interest

6.54%p.a.

Comparison*

Not available

Est. repayment

$3,174

LVR 60 to 70%

Existing customers only

HSBCPackage Standard Variable 60% - 70% LVR Owner Occupied P&I (existing customers only)

VariableOffsetRedraw

Interest

6.19%p.a.

Comparison*

6.55%p.a.

Est. repayment

$3,059

LVR 60 to 70%

Existing customers only

HSBC3 Year Fixed Package <60% LVR Owner Occupied P&I (existing customers only)

3y Fixed

Interest

6.34%p.a.

Comparison*

6.56%p.a.

Est. repayment

$3,108

LVR ≤60%

Existing customers only

HSBC1 Year Fixed Package 60% - 80% LVR Investment IO (existing customers only)

1y Fixed

Interest

6.59%p.a.

Comparison*

Not available

Est. repayment

$3,190

LVR 60 to 80%

Existing customers only

HSBC1 Year Fixed Package 60% - 80% LVR Owner Occupied IO (existing customers only)

1y Fixed

Interest

6.59%p.a.

Comparison*

Not available

Est. repayment

$3,190

LVR 60 to 80%

Existing customers only

HSBC2 Year Fixed Package 60% - 80% LVR Investment IO (existing customers only)

2y Fixed

Interest

6.59%p.a.

Comparison*

Not available

Est. repayment

$3,190

LVR 60 to 80%

Existing customers only

HSBC2 Year Fixed Package 60% - 80% LVR Owner Occupied IO (existing customers only)

2y Fixed

Interest

6.59%p.a.

Comparison*

Not available

Est. repayment

$3,190

LVR 60 to 80%

Existing customers only

HSBC3 Year Fixed Package <60% LVR Investment IO (existing customers only)

3y Fixed

Interest

6.59%p.a.

Comparison*

Not available

Est. repayment

$3,190

LVR ≤60%

Existing customers only

HSBC3 Year Fixed Package <60% LVR Owner Occupied IO (existing customers only)

3y Fixed

Interest

6.59%p.a.

Comparison*

Not available

Est. repayment

$3,190

LVR ≤60%

Existing customers only

HSBCPackage Standard Variable 70% - 80% LVR Investment IO (existing customers only)

VariableOffsetRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. repayment

$3,190

LVR 70 to 80%

Existing customers only

HSBCPackage Standard Variable 70% - 80% LVR Owner Occupied IO (existing customers only)

VariableOffsetRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. repayment

$3,190

LVR 70 to 80%

Existing customers only

HSBCHome Value 80% - 90% LVR Variable Investment P&I (existing customers only)

VariableRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. repayment

$3,190

LVR 80 to 90%

Existing customers only

HSBCPackage Standard Variable 70% - 80% LVR Owner Occupied P&I (existing customers only)

VariableOffsetRedraw

Interest

6.24%p.a.

Comparison*

6.60%p.a.

Est. repayment

$3,075

LVR 70 to 80%

Existing customers only

HSBCHome Smart <80% LVR Variable Owner Occupied P&I (existing customers only)

VariableRedraw

Interest

6.24%p.a.

Comparison*

6.60%p.a.

Est. repayment

$3,075

LVR ≤80%

Existing customers only

HSBC1 Year Fixed Package 60% - 80% LVR Owner Occupied P&I (existing customers only)

1y Fixed

Interest

6.34%p.a.

Comparison*

6.61%p.a.

Est. repayment

$3,108

LVR 60 to 80%

Existing customers only

HSBC2 Year Fixed Package 60% - 80% LVR Owner Occupied P&I (existing customers only)

2y Fixed

Interest

6.34%p.a.

Comparison*

6.62%p.a.

Est. repayment

$3,108

LVR 60 to 80%

Existing customers only

HSBC3 Year Fixed Package 60% - 80% LVR Owner Occupied P&I (existing customers only)

3y Fixed

Interest

6.39%p.a.

Comparison*

6.64%p.a.

Est. repayment

$3,124

LVR 60 to 80%

Existing customers only

HSBC3 Year Fixed Package 60% - 80% LVR Investment IO (existing customers only)

3y Fixed

Interest

6.64%p.a.

Comparison*

Not available

Est. repayment

$3,207

LVR 60 to 80%

Existing customers only

HSBC3 Year Fixed Package 60% - 80% LVR Owner Occupied IO (existing customers only)

3y Fixed

Interest

6.64%p.a.

Comparison*

Not available

Est. repayment

$3,207

LVR 60 to 80%

Existing customers only

HSBCPackage Standard Variable <50% LVR Investment P&I (existing customers only)

VariableOffsetRedraw

Interest

6.29%p.a.

Comparison*

6.65%p.a.

Est. repayment

$3,092

LVR ≤50%

Existing customers only

HSBC4 Year Fixed Package <60% LVR Owner Occupied P&I (existing customers only)

4y Fixed

Interest

6.54%p.a.

Comparison*

6.65%p.a.

Est. repayment

$3,174

LVR ≤60%

Existing customers only

HSBC5 Year Fixed Package <60% LVR Owner Occupied P&I (existing customers only)

5y Fixed

Interest

6.54%p.a.

Comparison*

6.68%p.a.

Est. repayment

$3,174

LVR ≤60%

Existing customers only

HSBCPackage Standard Variable 50% - 60% LVR Investment P&I (existing customers only)

VariableOffsetRedraw

Interest

6.34%p.a.

Comparison*

6.70%p.a.

Est. repayment

$3,108

LVR 50 to 60%

Existing customers only

HSBC1 Year Fixed Package <60% LVR Investment P&I (existing customers only)

1y Fixed

Interest

6.44%p.a.

Comparison*

6.71%p.a.

Est. repayment

$3,141

LVR ≤60%

Existing customers only

HSBC2 Year Fixed Package <60% LVR Investment P&I (existing customers only)

2y Fixed

Interest

6.44%p.a.

Comparison*

6.72%p.a.

Est. repayment

$3,141

LVR ≤60%

Existing customers only

HSBC4 Year Fixed Package 60% - 80% LVR Owner Occupied P&I (existing customers only)

4y Fixed

Interest

6.59%p.a.

Comparison*

6.73%p.a.

Est. repayment

$3,190

LVR 60 to 80%

Existing customers only

HSBC3 Year Fixed Package <60% LVR Investment P&I (existing customers only)

3y Fixed

Interest

6.49%p.a.

Comparison*

6.74%p.a.

Est. repayment

$3,157

LVR ≤60%

Existing customers only

HSBCHome Value 80% - 90% LVR Variable Investment IO (existing customers only)

VariableRedraw

Interest

6.74%p.a.

Comparison*

Not available

Est. repayment

$3,240

LVR 80 to 90%

Existing customers only

HSBCPackage Standard Variable 60% - 70% LVR Investment P&I (existing customers only)

VariableOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.75%p.a.

Est. repayment

$3,124

LVR 60 to 70%

Existing customers only

HSBC5 Year Fixed Package 60% - 80% LVR Owner Occupied P&I (existing customers only)

5y Fixed

Interest

6.59%p.a.

Comparison*

6.75%p.a.

Est. repayment

$3,190

LVR 60 to 80%

Existing customers only

*Important Information and Comparison Rate Warning

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.

The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.

Not open to new borrowers

HSBC is not accepting new home loan applications. Use the open-lender comparison table if you are looking for a new loan.

Compare open lenders

Who is HSBC?

HSBC Bank Australia announced on 31 July 2026 that it is closing its retail banking business in Australia and no longer accepts new home loan applications. It has agreed to sell its Australian home and personal loan portfolio to funds managed by Blackstone, with completion expected in the first half of 2027 and Pepper Money then set to manage and service those loans.

For existing HSBC home loan customers, HSBC states today's interest rate, fees, discounts and repayments carry over unchanged until a customer receives written notice of the move to the new servicer. HSBC's remaining Australian branches and retail services are being wound down in a phased approach over the 18 months following the announcement.

Who suits a HSBC home loan?

HSBC's home loan is no longer open to new borrowers, so it is not an option to shortlist from this page. Existing HSBC home loan customers do not need to act before receiving written notice, and can still compare today's rate against the live table above while the move to the new servicer proceeds.

The lowest variable rate still listed for existing HSBC customers is 5.94% p.a., 30 basis points below the 6.24% p.a. median across the lenders Ratesniffers tracks, computed daily from the same live feed as the table above. Since HSBC is not open to new applications, this is worth checking against the wider market before deciding whether to stay on the archived rate or refinance elsewhere.

Background facts checked 1 September 2026. Rates above refresh independently.

HSBC home loans: frequently asked questions

Can I apply for a HSBC home loan?

What HSBC rates remain listed for existing customers?

Why does this HSBC page still list rates?

This page keeps an archive of HSBC home loan rates for existing customers. HSBC is not accepting new applications, so these rows are not a shortlist for new borrowers.

How often are HSBC's home loan rates updated?

Ratesniffers last verified the HSBC archive on 11 Sept 2026. HSBC is not open to new applications, so this page is not a daily shopping list.