HSBC · Fixed · Updated October 2026

HSBC Fixed Home Loan Rates, October 2026

HSBC lists 24 fixed home loans in the Ratesniffers index today. The lowest is 6.69% p.a. (comparison rate 6.56% p.a.) on a 1-year fixed term, on 1 Year Fixed Package <60% LVR Owner Occupied P&I (existing customers only). Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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HSBC fixed home loan rates, October 2026

Lowest HSBC fixed rate by term: 1-year 6.69% p.a. (comparison 6.56%), 2-year 6.69% p.a. (comparison 6.61%), 3-year 6.74% p.a. (comparison 6.67%).

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

1y Fixed

Interest

6.69%p.a.

Comparison*

6.56%p.a.

Est. repayment

$3,223

LVR ≤60%

Existing customers only

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

2y Fixed

Interest

6.69%p.a.

Comparison*

6.61%p.a.

Est. repayment

$3,223

LVR ≤60%

Existing customers only

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

1y Fixed

Interest

6.69%p.a.

Comparison*

6.56%p.a.

Est. repayment

$3,223

LVR ≤60%

Existing customers only

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

2y Fixed

Interest

6.69%p.a.

Comparison*

6.61%p.a.

Est. repayment

$3,223

LVR ≤60%

Existing customers only

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

1y Fixed

Interest

6.74%p.a.

Comparison*

6.65%p.a.

Est. repayment

$3,240

LVR 60 to 80%

Existing customers only

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

2y Fixed

Interest

6.74%p.a.

Comparison*

6.70%p.a.

Est. repayment

$3,240

LVR 60 to 80%

Existing customers only

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

3y Fixed

Interest

6.74%p.a.

Comparison*

6.67%p.a.

Est. repayment

$3,240

LVR ≤60%

Existing customers only

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

1y Fixed

Interest

6.74%p.a.

Comparison*

6.65%p.a.

Est. repayment

$3,240

LVR 60 to 80%

Existing customers only

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

2y Fixed

Interest

6.74%p.a.

Comparison*

6.70%p.a.

Est. repayment

$3,240

LVR 60 to 80%

Existing customers only

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

3y Fixed

Interest

6.74%p.a.

Comparison*

6.67%p.a.

Est. repayment

$3,240

LVR ≤60%

Existing customers only

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

3y Fixed

Interest

6.79%p.a.

Comparison*

6.76%p.a.

Est. repayment

$3,256

LVR 60 to 80%

Existing customers only

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

3y Fixed

Interest

6.79%p.a.

Comparison*

6.76%p.a.

Est. repayment

$3,256

LVR 60 to 80%

Existing customers only

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

1y Fixed

Interest

6.84%p.a.

Comparison*

6.75%p.a.

Est. repayment

$3,273

LVR ≤60%

Existing customers only

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

2y Fixed

Interest

6.84%p.a.

Comparison*

6.80%p.a.

Est. repayment

$3,273

LVR ≤60%

Existing customers only

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

1y Fixed

Interest

6.84%p.a.

Comparison*

6.75%p.a.

Est. repayment

$3,273

LVR ≤60%

Existing customers only

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

2y Fixed

Interest

6.84%p.a.

Comparison*

6.80%p.a.

Est. repayment

$3,273

LVR ≤60%

Existing customers only

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

1y Fixed

Interest

6.89%p.a.

Comparison*

6.84%p.a.

Est. repayment

$3,290

LVR 60 to 80%

Existing customers only

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

2y Fixed

Interest

6.89%p.a.

Comparison*

6.89%p.a.

Est. repayment

$3,290

LVR 60 to 80%

Existing customers only

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

3y Fixed

Interest

6.89%p.a.

Comparison*

6.86%p.a.

Est. repayment

$3,290

LVR ≤60%

Existing customers only

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

1y Fixed

Interest

6.89%p.a.

Comparison*

6.84%p.a.

Est. repayment

$3,290

LVR 60 to 80%

Existing customers only

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

2y Fixed

Interest

6.89%p.a.

Comparison*

6.89%p.a.

Est. repayment

$3,290

LVR 60 to 80%

Existing customers only

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

3y Fixed

Interest

6.89%p.a.

Comparison*

6.86%p.a.

Est. repayment

$3,290

LVR ≤60%

Existing customers only

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

1y Fixed

Interest

6.94%p.a.

Comparison*

Not available

Est. repayment

$3,306

LVR ≤60%

Existing customers only

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

1y Fixed

Interest

6.94%p.a.

Comparison*

Not available

Est. repayment

$3,306

LVR ≤60%

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.

HSBC · Fixed

HSBC fixed home loans, what to weigh

Fixed rates lock in certainty for the term but cap flexibility, extra repayments usually capped, break costs apply on exit. Compare break-cost mechanics alongside headline rate. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every fixed option has the same price.