HSBC Home Loan Rates & Review

HSBC Home Loans as of March 2025

Loan purpose

Loan amount

Compare

Lender	Home Loan	Interest Rate	Comparison Rate*	Monthly Repayment	Repayment type	Rate Type	Ongoing Fees	Upfront Fees	Max LVR	Link	Compare
HSBC	HSBC Packaged Fixed Rate Loan - Owner Occupied (LVR 80% or less) (3 years)	5.54% p.a.	6.23% p.a.	$2,852	Principal & Interest	Fixed	$390	$0	80%	More details	Compare
HSBC	HSBC Packaged Fixed Rate Loan - Owner Occupied (LVR 80% or less) (2 years)	5.54% p.a.	6.27% p.a.	$2,852	Principal & Interest	Fixed	$390	$0	80%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR 80% or less) (3 years)	5.69% p.a.	6.42% p.a.	$2,899	Principal & Interest	Fixed	$390	$0	80%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR 80% or less) (2 years)	5.69% p.a.	6.46% p.a.	$2,899	Principal & Interest	Fixed	$390	$0	80%	More details	Compare
HSBC	HSBC Packaged Fixed Rate Loan - Owner Occupied (LVR 80% or less) (1 year)	5.69% p.a.	6.33% p.a.	$2,899	Principal & Interest	Fixed	$390	$0	80%	More details	Compare
HSBC	HSBC Home Value Home Loan (Principal and Interest) (LVR < 60%)	5.74% p.a.	5.75% p.a.	$2,915	Principal & Interest	Variable	$null	$null	60%	More details	Compare
HSBC	HSBC Packaged Fixed Rate Loan - Owner Occupied (LVR 80% or less) (5 years)	5.74% p.a.	6.25% p.a.	$2,915	Principal & Interest	Fixed	$390	$0	80%	More details	Compare
HSBC	HSBC Packaged Fixed Rate Loan - Owner Occupied (LVR 80% or less) (4 years)	5.74% p.a.	6.27% p.a.	$2,915	Principal & Interest	Fixed	$390	$0	80%	More details	Compare
HSBC	HSBC Home Value Loan - Owner Occupied (LVR 60% - 70%)	5.79% p.a.	5.80% p.a.	$2,931	Principal & Interest	Variable	$0	$750	70%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Owner Occupied (LVR 80% or less) (2 years)	5.84% p.a.	6.32% p.a.	$2,433	Interest-only	Fixed	$390	$0	80%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR 80% or less) (2 years)	5.84% p.a.	6.48% p.a.	$2,433	Interest-only	Fixed	$390	$0	80%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR 80% or less) (3 years)	5.84% p.a.	6.44% p.a.	$2,433	Interest-only	Fixed	$390	$0	80%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR 80% or less) (1 year)	5.84% p.a.	6.52% p.a.	$2,947	Principal & Interest	Fixed	$390	$0	80%	More details	Compare
HSBC	HSBC Home Value Loan - Owner Occupied (LVR 70% to 80%)	5.84% p.a.	5.85% p.a.	$2,947	Principal & Interest	Variable	$0	$750	80%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Owner Occupied (LVR 80% or less) (3 years)	5.84% p.a.	6.30% p.a.	$2,433	Interest-only	Fixed	$390	$0	80%	More details	Compare
HSBC	HSBC Package Standard Variable Home Loan (Principal & Interest) (LVR < 60%)	5.89% p.a.	6.26% p.a.	$2,962	Principal & Interest	Variable	$390	$null	60%	More details	Compare
HSBC	HSBC Packaged Fixed Rate Loan - Owner Occupied (LVR >80%) (3 years)	5.94% p.a.	6.56% p.a.	$2,978	Principal & Interest	Fixed	$390	$0	90%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR 80% or less) (4 years)	5.94% p.a.	6.47% p.a.	$2,978	Principal & Interest	Fixed	$390	$0	80%	More details	Compare
HSBC	HSBC Package Variable Rate Loan - Owner Occupied (LVR 60% - 70%)	5.94% p.a.	6.31% p.a.	$2,978	Principal & Interest	Variable	$390	$0	70%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR 80% or less) (5 years)	5.94% p.a.	6.45% p.a.	$2,978	Principal & Interest	Fixed	$390	$0	80%	More details	Compare
HSBC	HSBC Packaged Fixed Rate Loan - Owner Occupied (LVR >80%) (2 years)	5.94% p.a.	6.59% p.a.	$2,978	Principal & Interest	Fixed	$390	$0	90%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Owner Occupied (LVR 80% or less) (1 year)	5.94% p.a.	6.35% p.a.	$2,475	Interest-only	Fixed	$390	$0	80%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR 80% or less) (1 year)	5.94% p.a.	6.53% p.a.	$2,475	Interest-only	Fixed	$390	$0	80%	More details	Compare
HSBC	HSBC Package Variable Rate Loan - Owner Occupied LVR between 70% - 80	5.99% p.a.	6.36% p.a.	$2,995	Principal & Interest	Variable	$390	$0	80%	More details	Compare
HSBC	HSBC Home Value Investment Loan (Principal and Interest) (LVR < 70%)	5.99% p.a.	6.00% p.a.	$2,995	Principal & Interest	Variable	$null	$null	70%	More details	Compare
HSBC	HSBC Package Home Smart Loan - Owner Occupied (LVR <80%)	5.99% p.a.	6.36% p.a.	$2,995	Principal & Interest	Variable	$390	$0	80%	More details	Compare
HSBC	HSBC Home Value Loan - Investment (LVR 80% or less)	6.04% p.a.	6.05% p.a.	$3,011	Principal & Interest	Variable	$0	$750	80%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR 80% or less) (4 years)	6.04% p.a.	6.48% p.a.	$2,517	Interest-only	Fixed	$390	$0	80%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR 80% or less) (5 years)	6.04% p.a.	6.47% p.a.	$2,517	Interest-only	Fixed	$390	$0	80%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR >80%) (2 years)	6.09% p.a.	6.77% p.a.	$3,027	Principal & Interest	Fixed	$390	$0	90%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR >80%) (3 years)	6.09% p.a.	6.74% p.a.	$3,027	Principal & Interest	Fixed	$390	$0	90%	More details	Compare
HSBC	HSBC Packaged Fixed Rate Loan - Owner Occupied (LVR >80%) (1 year)	6.09% p.a.	6.63% p.a.	$3,027	Principal & Interest	Fixed	$390	$0	90%	More details	Compare
HSBC	HSBC Package Standard Variable Investment Loan (Principal and Interest) (LVR < 60%)	6.09% p.a.	6.46% p.a.	$3,027	Principal & Interest	Variable	$390	$null	60%	More details	Compare
HSBC	HSBC Package Variable Rate Loan - Investment (LVR 60% to 70%)	6.14% p.a.	6.51% p.a.	$3,043	Principal & Interest	Variable	$390	$0	70%	More details	Compare
HSBC	HSBC Packaged Fixed Rate Loan - Owner Occupied (LVR >80%) (5 years)	6.14% p.a.	6.59% p.a.	$3,043	Principal & Interest	Fixed	$390	$0	90%	More details	Compare
HSBC	HSBC Packaged Fixed Rate Loan - Owner Occupied (LVR >80%) (4 years)	6.14% p.a.	6.60% p.a.	$3,043	Principal & Interest	Fixed	$390	$0	90%	More details	Compare
HSBC	HSBC Package Home Smart Loan - Investment (LVR 70% to 80%)	6.16% p.a.	6.56% p.a.	$3,049	Principal & Interest	Variable	$390	$0	80%	More details	Compare
HSBC	HSBC Home Value Loan - Owner Occupied IO (LVR 70% to 80%)	6.19% p.a.	5.94% p.a.	$2,579	Interest-only	Variable	$0	$750	80%	More details	Compare
HSBC	HSBC Package Variable Rate Loan - Investment (LVR 70% to 80%)	6.19% p.a.	6.56% p.a.	$3,059	Principal & Interest	Variable	$390	$0	80%	More details	Compare
HSBC	HSBC Home Value Loan - Investment IO (LVR 80% or less)	6.19% p.a.	6.11% p.a.	$2,579	Interest-only	Variable	$0	$750	80%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR >80%) (3 years)	6.24% p.a.	6.77% p.a.	$2,600	Interest-only	Fixed	$390	$0	90%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR >80%) (2 years)	6.24% p.a.	6.79% p.a.	$2,600	Interest-only	Fixed	$390	$0	90%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR >80%) (1 year)	6.24% p.a.	6.83% p.a.	$3,075	Principal & Interest	Fixed	$390	$0	90%	More details	Compare
HSBC	HSBC Package Standard Variable Home Loan (Principal & Interest) (LVR > 80%)	6.29% p.a.	6.66% p.a.	$3,092	Principal & Interest	Variable	$390	$null	90%	More details	Compare
HSBC	HSBC Package Home Smart Loan - Owner Occupied (LVR >80%)	6.29% p.a.	6.66% p.a.	$3,092	Principal & Interest	Variable	$390	$0	90%	More details	Compare
HSBC	HSBC Fixed Rate Loan - Owner Occupied (LVR >80%) Standard (2 years)	6.29% p.a.	7.40% p.a.	$3,092	Principal & Interest	Fixed	$0	$750	90%	More details	Compare
HSBC	HSBC Fixed Rate Loan - Owner Occupied (LVR 80% or less) Standard (2 years)	6.29% p.a.	7.16% p.a.	$3,092	Principal & Interest	Fixed	$0	$750	80%	More details	Compare
HSBC	HSBC Fixed Rate Loan - Owner Occupied (LVR 80% or less) Standard (3 years)	6.29% p.a.	7.07% p.a.	$3,092	Principal & Interest	Fixed	$0	$750	80%	More details	Compare
HSBC	HSBC Fixed Rate Loan - Owner Occupied (LVR >80%) Standard (3 years)	6.29% p.a.	7.28% p.a.	$3,092	Principal & Interest	Fixed	$0	$750	90%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR >80%) (5 years)	6.34% p.a.	6.79% p.a.	$3,108	Principal & Interest	Fixed	$390	$0	90%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR >80%) (1 year)	6.34% p.a.	6.83% p.a.	$2,642	Interest-only	Fixed	$390	$0	90%	More details	Compare
HSBC	HSBC Package Variable Rate Loan - Owner Occupied IO (LVR 70% to 80%)	6.34% p.a.	6.44% p.a.	$2,642	Interest-only	Variable	$390	$0	80%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR >80%) (4 years)	6.34% p.a.	6.80% p.a.	$3,108	Principal & Interest	Fixed	$390	$0	90%	More details	Compare
HSBC	HSBC Package Variable Rate Loan - Investment IO (LVR 80% or less)	6.34% p.a.	6.59% p.a.	$2,642	Interest-only	Variable	$390	$0	80%	More details	Compare
HSBC	HSBC Package Standard Variable Investment Loan (Interest Only) (LVR <80%)	6.34% p.a.	6.59% p.a.	$2,642	Interest-only	Variable	$390	$null	80%	More details	Compare
HSBC	HSBC Fixed Rate Loan - Investment (LVR 80% or less) Standard (2 years)	6.44% p.a.	7.35% p.a.	$3,141	Principal & Interest	Fixed	$0	$750	80%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR >80%) (5 years)	6.44% p.a.	6.81% p.a.	$2,683	Interest-only	Fixed	$390	$0	90%	More details	Compare
HSBC	HSBC Package Fixed Rate Loan - Investment (LVR >80%) (4 years)	6.44% p.a.	6.81% p.a.	$2,683	Interest-only	Fixed	$390	$0	90%	More details	Compare
HSBC	HSBC Fixed Rate Loan - Investment (LVR >80%) Standard (3 years)	6.44% p.a.	7.46% p.a.	$3,141	Principal & Interest	Fixed	$0	$750	90%	More details	Compare
HSBC	HSBC Fixed Rate Loan - Investment (LVR >80%) Standard (2 years)	6.44% p.a.	7.59% p.a.	$3,141	Principal & Interest	Fixed	$0	$750	90%	More details	Compare

More home loans

Variable Home Loan P&I <90%

Product Features

No application, ongoing monthly or annual fees.
Extra repayments allowed with fee-free redraw
Add an optional offset sub-account, T&C's apply.

Monthly repayments: $2,344

5.79% Advertised Rate (p.a.)

5.83% Comparison Rate (p.a.)

More details

Important Information and Comparison Rate Warning

Rates correct as of . View disclaimer.

Important Information and Comparison Rate Warning

Latest Lending News

Banking News

Which banks and lenders are cutting home loan rates after the RBA cash rate cut?

RBA

Why Aussie mortgage holders need a February rate cut

AMP

Quiet week in mortgage market as lenders await for inflation signal

Home Loans News

Not even deep fixed rate cuts can stop their unpopularity with Aussie mortgage holders

Compare More HSBC Products

HSBC Personal Loan Rates HSBC Savings Account Rates HSBC Term Deposit Rates HSBC Credit Card Rates

Home Loan Comparison & Tools

Home Loans Refinancing home loans Investment home loan rates Fixed-rate home loans Variable-rate home loans Mortgage Calculator

Home Loan Lenders' Rates

InfoChoice respectfully acknowledges the Traditional Custodians of the land on which we live, learn and work.

Important Information

InfoChoice.com.au provides general information and comparison services to help you make informed financial decisions. We do not cover every product or provider in the market. Our service is free to you because we receive compensation from product providers for sponsored placements, advertisements, and referrals. Importantly, these commercial relationships do not influence our editorial integrity.

For more detailed information, please refer to our How We Get Paid, Managing Conflicts of Interest, and Editorial Guidelines pages.

Editorial Integrity

At InfoChoice.com.au, we are passionate about helping Australians make informed financial decisions. Our dedicated editorial team works tirelessly to provide you with accurate, relevant, and unbiased information. We pride ourselves on maintaining a strict separation between our editorial and commercial teams, ensuring that the content you read is based purely on merit and not influenced by commercial interests.

Learn more about our commitment to editorial integrity in our Editorial Guidelines.

Advertiser Disclosure

Our service is free for you, thanks to support from our partners through sponsored placements, ads, and referrals. We earn compensation by promoting products, referring you, or when you click on a product link. You might also see ads in emails, sponsored content, or directly on our site.

For more details, see How We Get Paid.

Product Coverage and Sort Order

We strive to cover a broad range of products, providers, and services; however, we do not cover the entire market. Products in our comparison tables are sorted based on various factors, including product features, interest rates, fees, popularity, and commercial arrangements.

Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes.

Additionally, certain products may present forms designed to refer you to associated companies (e.g. our mortgage broker partner) who may be able to assist you with products from the brand you selected. We may receive a fee for this referral.

You can customise your search using our sorting and filtering tools to prioritise what matters most to you, although we do not compare all features and some results associated with commercial arrangements may still appear.

For more details, visit How We Get Paid and Managing Conflicts of Interest.

Comparison Rate Warning and Base Criteria

For home loans, the base criteria include a $500,000 loan amount over 30 years. For car loans, the base criteria include a $30,000 loan over 5 years. For personal loans, the base criteria include a $20,000 loan over 5 years. These rates are only examples and may not include all fees and charges.

*The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Monthly Repayment Figures

Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes.

Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you.

Related Brands

InfoChoice.com.au is proudly part of the InfoChoice Group, which includes Savings.com.au, YourMortgage.com.au, YourInvestmentPropertyMag.com.au, and PerformanceDrive.com.au. The InfoChoice Group is associated with the Firstmac Group.

We may include products and services from loans.com.au, CarLoans.com.au, OnlineAuto.com.au, and YourMortgageBroker Pty Ltd, all associated with the Firstmac Group. Importantly, these brands are treated like any other commercial partner.

Learn more about how we manage conflicts of interest.

General Advice Disclosure

The information provided by InfoChoice.com.au is general in nature and does not take into account your personal objectives, financial situation, or needs. We recommend seeking independent financial advice before making any financial decisions. Before acquiring any financial product, obtain and read the relevant Product Disclosure Statement (PDS), Target Market Determination (TMD), and any other offer documents.

Rates and product information should be confirmed with the relevant credit provider. For more information, read InfoChoice.com.au’s Financial Services and Credit Guide (FSCG).