HSBC Home Loan Rates

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.

Application status

Existing customers only

Last verified

20 October 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?

HSBC is not open to new home loan applications. This page is an existing-customer archive, last verified 20 October 2026.

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	Comparison rate	Max LVR
Fixed 4-year Owner-occupier P&I	7.74% p.a.	7.83% p.a.	80%
Variable Owner-occupier P&I	7.81% p.a.	7.86% p.a.	80%
Fixed 3-year Investor P&I	7.69% p.a.	7.96% p.a.	80%
Fixed 3-year Owner-occupier P&I	7.54% p.a.	7.98% p.a.	90%
Fixed 2-year Investor P&I	7.64% p.a.	7.98% p.a.	80%
Fixed 5-year Owner-occupier P&I	7.74% p.a.	7.99% p.a.	90%
Fixed 4-year Investor interest-only	7.99% p.a.	n/a	80%
Fixed 4-year Investor interest-only	7.99% p.a.	n/a	90%
Fixed 5-year Investor interest-only	7.99% p.a.	n/a	80%
Fixed 5-year Investor interest-only	7.99% p.a.	n/a	90%
Fixed 5-year Investor P&I	7.89% p.a.	8.00% p.a.	80%
Fixed 4-year Owner-occupier P&I	7.74% p.a.	8.01% p.a.	90%

HSBC existing-customer rates (archive)

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

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

4y Fixed

Interest

7.74%p.a.

Comparison*

7.83%p.a.

Est. repayment

$3,579

LVR ≤80%

Existing customers only

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

VariableOffsetRedraw

Interest

7.81%p.a.

Comparison*

7.86%p.a.

Est. repayment

$3,603

LVR ≤80%

Existing customers only

HSBC3 Year Fixed <80% LVR Investment P&I (existing customers only)

3y Fixed

Interest

7.69%p.a.

Comparison*

7.96%p.a.

Est. repayment

$3,561

LVR ≤80%

Existing customers only

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

3y Fixed

Interest

7.54%p.a.

Comparison*

7.98%p.a.

Est. repayment

$3,510

LVR 80 to 90%

Existing customers only

HSBC2 Year Fixed <80% LVR Investment P&I (existing customers only)

2y Fixed

Interest

7.64%p.a.

Comparison*

7.98%p.a.

Est. repayment

$3,544

LVR ≤80%

Existing customers only

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

5y Fixed

Interest

7.74%p.a.

Comparison*

7.99%p.a.

Est. repayment

$3,579

LVR 80 to 90%

Existing customers only

HSBC4 Year Fixed <80% LVR Investment IO (existing customers only)

4y Fixed

Interest

7.99%p.a.

Comparison*

Not available

Est. interest only / month

$3,329

LVR ≤80%

Based on a $500,000 balance

Existing customers only

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

HSBC4 Year Fixed >80% LVR Investment IO (existing customers only)

4y Fixed

Interest

7.99%p.a.

Comparison*

Not available

Est. interest only / month

$3,329

LVR 80 to 90%

Based on a $500,000 balance

Existing customers only

HSBC5 Year Fixed <80% LVR Investment IO (existing customers only)

5y Fixed

Interest

7.99%p.a.

Comparison*

Not available

Est. interest only / month

$3,329

LVR ≤80%

Based on a $500,000 balance

Existing customers only

HSBC5 Year Fixed >80% LVR Investment IO (existing customers only)

5y Fixed

Interest

7.99%p.a.

Comparison*

Not available

Est. interest only / month

$3,329

LVR 80 to 90%

Based on a $500,000 balance

Existing customers only

HSBC5 Year Fixed <80% LVR Investment P&I (existing customers only)

5y Fixed

Interest

7.89%p.a.

Comparison*

8.00%p.a.

Est. repayment

$3,631

LVR ≤80%

Existing customers only

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

4y Fixed

Interest

7.74%p.a.

Comparison*

8.01%p.a.

Est. repayment

$3,579

LVR 80 to 90%

Existing customers only

HSBC4 Year Fixed <80% LVR Investment P&I (existing customers only)

4y Fixed

Interest

7.89%p.a.

Comparison*

8.01%p.a.

Est. repayment

$3,631

LVR ≤80%

Existing customers only

HSBC1 Year Fixed <80% LVR Investment P&I (existing customers only)

1y Fixed

Interest

7.64%p.a.

Comparison*

8.02%p.a.

Est. repayment

$3,544

LVR ≤80%

Existing customers only

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

2y Fixed

Interest

7.49%p.a.

Comparison*

8.03%p.a.

Est. repayment

$3,493

LVR 80 to 90%

Existing customers only

HSBCStandard Variable <80% LVR Investment P&I (existing customers only)

VariableOffsetRedraw

Interest

8.01%p.a.

Comparison*

8.06%p.a.

Est. repayment

$3,672

LVR ≤80%

Existing customers only

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

1y Fixed

Interest

7.49%p.a.

Comparison*

8.09%p.a.

Est. repayment

$3,493

LVR 80 to 90%

Existing customers only

HSBC5 Year Fixed >80% LVR Investment P&I (existing customers only)

5y Fixed

Interest

7.89%p.a.

Comparison*

8.16%p.a.

Est. repayment

$3,631

LVR 80 to 90%

Existing customers only

HSBCStandard Variable >80% LVR Owner Occupied P&I (existing customers only)

VariableOffsetRedraw

Interest

8.11%p.a.

Comparison*

8.16%p.a.

Est. repayment

$3,707

LVR 80 to 90%

Existing customers only

HSBCStandard Variable <80% LVR Owner Occupied IO (existing customers only)

VariableOffsetRedraw

Interest

8.16%p.a.

Comparison*

Not available

Est. interest only / month

$3,400

LVR ≤80%

Based on a $500,000 balance

Existing customers only

HSBC3 Year Fixed >80% LVR Investment P&I (existing customers only)

3y Fixed

Interest

7.69%p.a.

Comparison*

8.17%p.a.

Est. repayment

$3,561

LVR 80 to 90%

Existing customers only

HSBC4 Year Fixed >80% LVR Investment P&I (existing customers only)

4y Fixed

Interest

7.89%p.a.

Comparison*

8.19%p.a.

Est. repayment

$3,631

LVR 80 to 90%

Existing customers only

HSBC2 Year Fixed >80% LVR Investment P&I (existing customers only)

2y Fixed

Interest

7.64%p.a.

Comparison*

8.21%p.a.

Est. repayment

$3,544

LVR 80 to 90%

Existing customers only

HSBC1 Year Fixed >80% LVR Investment P&I (existing customers only)

1y Fixed

Interest

7.64%p.a.

Comparison*

8.28%p.a.

Est. repayment

$3,544

LVR 80 to 90%

Existing customers only

HSBCStandard Variable <80% LVR Investment IO (existing customers only)

VariableOffsetRedraw

Interest

8.31%p.a.

Comparison*

Not available

Est. interest only / month

$3,463

LVR ≤80%

Based on a $500,000 balance

Existing customers only

HSBCStandard Variable >80% LVR Investment P&I (existing customers only)

VariableOffsetRedraw

Interest

8.31%p.a.

Comparison*

8.36%p.a.

Est. repayment

$3,777

LVR 80 to 90%

Existing customers only

HSBCStandard Variable >80% LVR Investment IO (existing customers only)

VariableOffsetRedraw

Interest

8.61%p.a.

Comparison*

Not available

Est. interest only / month

$3,588

LVR 80 to 90%

Based on a $500,000 balance

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.

Existing customers can compare their actual offer with home loan rates before deciding whether to stay or refinance. Archived listings do not establish a current shopping rate.

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?

HSBC is not open to new home loan applications. This page is an existing-customer archive, last verified 20 October 2026.

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 20 October 2026. HSBC is not open to new applications, so this page is not a daily shopping list.