HSBC home loan rates

HSBC BANK AUSTRALIA LIMITED · ACL 232595 · Bank

Rates as at 2026-10-20. 142 rates across 19 products.

Variable rates

ProductRateComparisonTypePurposeRepaymentConditions
Home Value Loan6.24%6.25%VariableOwner occupierP&ILVR 0-60% · o/o hv p&i (lvr<=60%)
Home Value Loan6.29%6.30%VariableOwner occupierP&ILVR 60-70% · o/o hv p&i (lvr 60-70%)
Home Value Loan6.34%6.35%VariableOwner occupierP&ILVR 70-80% · o/o hv p&i (lvr 70<-80%)
Standard Variable (Package)6.39%6.75%VariableOwner occupierP&ILVR 0-60% · o/o package variable p&i (lvr<=60%)
Home Value Loan6.44%6.45%VariableInvestmentP&ILVR 0-60% · inv hv p&i (lvr<=60%)
Standard Variable (Package)6.44%6.80%VariableOwner occupierP&ILVR 60-70% · o/o package variable p&i (lvr 60-70%)
Home Smart (Package)6.49%6.85%VariableOwner occupierP&ILVR 0-80% · o/o package home smart p&i (lvr<=80%)
Home Value Loan6.49%6.50%VariableInvestmentP&ILVR 60-70% · inv hv p&i (lvr 60-70%)
Standard Variable (Package)6.49%6.85%VariableOwner occupierP&ILVR 70-80% · o/o package variable p&i (lvr 70-80%)
Home Value Loan6.54%6.55%VariableInvestmentP&ILVR 70-80% · inv hv p&i (lvr 70-80%)
Standard Variable (Package)6.59%6.95%VariableInvestmentP&ILVR 0-60% · inv package variable p&i (lvr<=60%)
Home Value Loan6.64%6.65%VariableOwner occupierP&ILVR 80-90% · o/o hv p&i (lvr>80%)
Standard Variable (Package)6.64%7.00%VariableInvestmentP&ILVR 60-70% · inv package variable p&i (lvr<=70%)
Home Smart (Package)6.69%7.05%VariableInvestmentP&ILVR 0-80% · inv package home smart p&i (lvr<=80%)
Home Value Loan6.69%6.44%VariableOwner occupierInterest onlyLVR 0-80% · o/o hv io (lvr<=80%)
Home Value Loan6.69%6.61%VariableInvestmentInterest onlyLVR 0-80% · inv hv io (lvr<=80%)
Standard Variable (Package)6.69%7.05%VariableInvestmentP&ILVR 70-80% · inv package variable p&i (lvr<=80%)
Home Smart (Package)6.79%7.15%VariableOwner occupierP&ILVR 80-90% · o/o package home smart p&i (lvr>80%)
Standard Variable (Package)6.79%7.15%VariableOwner occupierP&ILVR 80-90% · o/o package variable p&i (lvr >80%)
Home Value Loan6.84%6.85%VariableInvestmentP&ILVR 80-90% · inv hv p&i (lvr>80%)
Standard Variable (Package)6.84%6.94%VariableOwner occupierInterest onlyLVR 0-80% · o/o package variable io (lvr <=80%)
Standard Variable (Package)6.84%7.09%VariableInvestmentInterest onlyLVR 0-80% · inv package variable io (lvr<=80%)
Home Smart (Package)6.99%7.35%VariableInvestmentP&ILVR 80-90% · inv package home smart p&i (lvr>80%)
Home Value Loan6.99%6.91%VariableInvestmentInterest onlyLVR 80-90% · inv hv io (lvr>80%)
Standard Variable (Package)6.99%7.35%VariableInvestmentP&ILVR 80-90% · inv package variable p&i (lvr>80%)
Standard Variable (Package)7.14%7.39%VariableInvestmentInterest onlyLVR 80-90% · inv package variable io (lvr>80%)
Home Equity (Package)7.62%—VariableOwner occupierInterest onlyLVR 0-80% · oo package home equity io (lvr<=80%)
Home Equity (Package)7.82%—VariableInvestmentInterest onlyLVR 0-80% · inv package home equity io (lvr<=80%)
Home Value Loan - Reference Rate8.40%9.15%VariableOwner occupierP&I—
Home Value Loan - Reference Rate8.40%9.04%VariableOwner occupierInterest only—
Home Smart - Reference Rate9.01%9.96%VariableOwner occupierP&I—
Standard Variable - Reference Rate9.01%9.70%VariableOwner occupierP&I—
Standard Variable - Reference Rate9.01%9.07%VariableOwner occupierInterest only—
Home Value Loan - Reference Rate9.02%8.42%VariableInvestmentP&I—
Home Equity - Reference Rate9.09%—VariableOwner occupierInterest only—
Home Value Loan - Reference Rate9.27%8.42%VariableInvestmentInterest only—
Home Smart - Reference Rate9.63%9.34%VariableInvestmentP&I—
Standard Variable - Reference Rate9.63%9.08%VariableInvestmentP&I—
Standard Variable - Reference Rate9.88%9.08%VariableInvestmentInterest only—
Home Equity - Reference Rate10.03%—VariableInvestmentInterest only—

Fixed rates

ProductRateComparisonTypePurposeRepaymentConditions
1 Year Fixed (Package)6.69%6.79%FixedOwner occupierP&I1 yr fixed · LVR 0-60% · o/o package fixed 1 year p&i (lvr <=60%)
2 Year Fixed (Package)6.69%6.81%FixedOwner occupierP&I2 yr fixed · LVR 0-60% · o/o package fixed 2 year p&i (lvr<=60%)
1 Year Fixed (Package)6.74%6.88%FixedOwner occupierP&I1 yr fixed · LVR 60-80% · o/o package fixed 1 year p&i (lvr 60-80%)
2 Year Fixed (Package)6.74%6.90%FixedOwner occupierP&I2 yr fixed · LVR 60-80% · o/o package fixed 2 year p&i (lvr 60-80%)
3 Year Fixed (Package)6.74%6.85%FixedOwner occupierP&I3 yr fixed · LVR 0-60% · o/o package fixed 3 year p&i (lvr <=60%)
3 Year Fixed (Package)6.79%6.94%FixedOwner occupierP&I3 yr fixed · LVR 60-80% · o/o package fixed 3 year p&i (lvr 60-80%)
1 Year Fixed (Package)6.84%6.98%FixedInvestmentP&I1 yr fixed · LVR 0-60% · inv package fixed 1 year p&i (lvr <=60%)
2 Year Fixed (Package)6.84%7.00%FixedInvestmentP&I2 yr fixed · LVR 0-60% · inv package fixed 2 year p&i (lvr<=60%)
1 Year Fixed (Package)6.89%7.07%FixedInvestmentP&I1 yr fixed · LVR 60-80% · inv package fixed 1 year p&i (lvr 60-80%)
2 Year Fixed (Package)6.89%7.09%FixedInvestmentP&I2 yr fixed · LVR 60-80% · inv package fixed 2 year p&i (lvr 60-80%)
3 Year Fixed (Package)6.89%7.04%FixedInvestmentP&I3 yr fixed · LVR 0-60% · inv package fixed 3 year p&i (lvr <=60%)
1 Year Fixed (Package)6.94%7.07%FixedInvestmentInterest only1 yr fixed · LVR 0-60% · inv package fixed 1 year io (lvr <=60%)
1 Year Fixed (Package)6.94%6.89%FixedOwner occupierInterest only1 yr fixed · LVR 0-60% · o/o package fixed 1 year io (lvr <=60%)
2 Year Fixed (Package)6.94%7.09%FixedInvestmentInterest only2 yr fixed · LVR 0-60% · inv package fixed 2 year io (lvr<=60%)
2 Year Fixed (Package)6.94%6.93%FixedOwner occupierInterest only2 yr fixed · LVR 0-60% · o/o package fixed 2 year io (lvr<=60%)
3 Year Fixed (Package)6.94%7.12%FixedInvestmentP&I3 yr fixed · LVR 60-80% · inv package fixed 3 year p&i (lvr 60-80%)
4 Year Fixed (Package)6.94%6.96%FixedOwner occupierP&I4 yr fixed · LVR 0-60% · o/o package fixed 4 years p&i (lvr <=60%)
5 Year Fixed (Package)6.94%7.00%FixedOwner occupierP&I5 yr fixed · LVR 0-60% · o/o package fixed 5 year p&i (lvr<=60%)
1 Year Fixed (Package)6.99%6.90%FixedOwner occupierInterest only1 yr fixed · LVR 60-80% · o/o package fixed 1 year io (lvr 60-80%)
1 Year Fixed (Package)6.99%7.08%FixedInvestmentInterest only1 yr fixed · LVR 60-80% · inv package fixed 1 year io (lvr 60-80%)
2 Year Fixed (Package)6.99%6.94%FixedOwner occupierInterest only2 yr fixed · LVR 60-80% · o/o package fixed 2 year io (lvr 60-80%)
2 Year Fixed (Package)6.99%7.10%FixedInvestmentInterest only2 yr fixed · LVR 60-80% · inv package fixed 2 year io (lvr 60-80%)
3 Year Fixed (Package)6.99%6.98%FixedOwner occupierInterest only3 yr fixed · LVR 0-60% · o/o package fixed 3 year io (lvr <=60%)
3 Year Fixed (Package)6.99%7.12%FixedInvestmentInterest only3 yr fixed · LVR 0-60% · inv package fixed 3 year io (lvr <=60%)
4 Year Fixed (Package)6.99%7.04%FixedOwner occupierP&I4 yr fixed · LVR 60-80% · o/o package fixed 4 years p&i (lvr 60-80%)
5 Year Fixed (Package)6.99%7.08%FixedOwner occupierP&I5 yr fixed · LVR 60-80% · o/o package fixed 5 year p&i (lvr 60<=80%)
3 Year Fixed (Package)7.04%6.99%FixedOwner occupierInterest only3 yr fixed · LVR 60-80% · o/o package fixed 3 year io (lvr 60<=80%)
3 Year Fixed (Package)7.04%7.14%FixedInvestmentInterest only3 yr fixed · LVR 60-80% · inv package fixed 3 year io (lvr 60-80%)
4 Year Fixed (Package)7.09%7.14%FixedInvestmentP&I4 yr fixed · LVR 0-60% · inv package fixed 4 years p&i (lvr <=60%)
5 Year Fixed (Package)7.09%7.17%FixedInvestmentP&I5 yr fixed · LVR 0-60% · inv package fixed 5 years p&i (lvr <=60%)
1 Year Fixed (Package)7.14%7.19%FixedOwner occupierP&I1 yr fixed · LVR 80-90% · o/o package fixed 1 year p&i (lvr>80%)
2 Year Fixed (Package)7.14%7.22%FixedOwner occupierP&I2 yr fixed · LVR 80-90% · o/o package fixed 2 year p&i (lvr>80%)
4 Year Fixed (Package)7.14%7.22%FixedInvestmentP&I4 yr fixed · LVR 60-80% · inv package fixed 4 years p&i (lvr 60-80%)
5 Year Fixed (Package)7.14%7.25%FixedInvestmentP&I5 yr fixed · LVR 60-80% · inv package fixed 5 years p&i (lvr 60<=80%)
3 Year Fixed (Package)7.19%7.27%FixedOwner occupierP&I3 yr fixed · LVR 80-90% · o/o package fixed 3 year p&i (lvr>80%)
4 Year Fixed (Package)7.19%7.21%FixedInvestmentInterest only4 yr fixed · LVR 0-60% · inv package fixed 4 years io (lvr <=60%)
5 Year Fixed (Package)7.19%7.24%FixedInvestmentInterest only5 yr fixed · LVR 0-60% · inv package fixed 5 years io (lvr <=60%)
4 Year Fixed (Package)7.24%7.23%FixedInvestmentInterest only4 yr fixed · LVR 60-80% · inv package fixed 4 years io (lvr 60-80%)
5 Year Fixed (Package)7.24%7.27%FixedInvestmentInterest only5 yr fixed · LVR 60-80% · inv package fixed 5 years io (lvr 60<=80%)
1 Year Fixed (Package)7.29%7.38%FixedInvestmentP&I1 yr fixed · LVR 80-90% · inv package fixed 1 year p&i (lvr>80%)
2 Year Fixed (Package)7.29%7.41%FixedInvestmentP&I2 yr fixed · LVR 80-90% · inv package fixed 2 year p&i (lvr>80%)
3 Year Fixed (Package)7.34%7.45%FixedInvestmentP&I3 yr fixed · LVR 80-90% · inv package fixed 3 year p&i (lvr>80%)
1 Year Fixed (Package)7.39%7.38%FixedInvestmentInterest only1 yr fixed · LVR 80-90% · inv package fixed 1 year io (lvr>80%)
2 Year Fixed (Package)7.39%7.42%FixedInvestmentInterest only2 yr fixed · LVR 80-90% · inv package fixed 2 year io (lvr>80%)
4 Year Fixed (Package)7.39%7.37%FixedOwner occupierP&I4 yr fixed · LVR 80-90% · o/o package fixed 4 years p&i (lvr>80%)
5 Year Fixed (Package)7.39%7.42%FixedOwner occupierP&I5 yr fixed · LVR 80-90% · o/o package fixed 5 years p&i (lvr>80%)
3 Year Fixed (Package)7.44%7.46%FixedInvestmentInterest only3 yr fixed · LVR 80-90% · inv package fixed 3 year io (lvr>80%)
1 Year Fixed (Non- Package)7.49%7.84%FixedOwner occupierP&I1 yr fixed · LVR 0-80% · o/o fixed 1 year p&i (lvr<=80%)
1 Year Fixed (Non- Package)7.49%8.10%FixedOwner occupierP&I1 yr fixed · LVR 80-90% · o/o fixed 1 year p&i (lvr>80%)
2 Year Fixed (Non- Package)7.49%8.04%FixedOwner occupierP&I2 yr fixed · LVR 80-90% · o/o fixed 2 year p&i (lvr>80%)
2 Year Fixed (Non- Package)7.49%7.80%FixedOwner occupierP&I2 yr fixed · LVR 0-80% · o/o fixed 2 year p&i (lvr<=80%)
Fixed Rate Loans Reference Rate7.49%9.46%FixedOwner occupierP&I1 yr fixed
Fixed Rate Loans Reference Rate7.49%9.28%FixedOwner occupierP&I2 yr fixed
3 Year Fixed (Non- Package)7.54%8.00%FixedOwner occupierP&I3 yr fixed · LVR 80-90% · o/o fixed 3 year p&i (lvr>80%)
3 Year Fixed (Non- Package)7.54%7.79%FixedOwner occupierP&I3 yr fixed · LVR 0-80% · o/o fixed 3 year p&i (lvr <=80%)
4 Year Fixed (Package)7.54%7.55%FixedInvestmentP&I4 yr fixed · LVR 80-90% · inv package fixed 4 years p&i (lvr>80%)
5 Year Fixed (Package)7.54%7.60%FixedInvestmentP&I5 yr fixed · LVR 80-90% · inv package fixed 5 years p&i (lvr>80%)
Fixed Rate Loans Reference Rate7.54%9.25%FixedOwner occupierP&I3 yr fixed
1 Year Fixed (Non- Package)7.64%8.03%FixedInvestmentP&I1 yr fixed · LVR 0-80% · inv fixed 1 year p&i (lvr<=80%)
1 Year Fixed (Non- Package)7.64%8.30%FixedInvestmentP&I1 yr fixed · LVR 80-90% · inv fixed 1 year p&i (lvr>80%)
2 Year Fixed (Non- Package)7.64%8.23%FixedInvestmentP&I2 yr fixed · LVR 80-90% · inv fixed 2 year p&i (lvr>80%)
2 Year Fixed (Non- Package)7.64%7.99%FixedInvestmentP&I2 yr fixed · LVR 0-80% · inv fixed 2 year p&i (lvr<=80%)
4 Year Fixed (Package)7.64%7.57%FixedInvestmentInterest only4 yr fixed · LVR 80-90% · inv package fixed 4 years io (lvr>80%)
5 Year Fixed (Package)7.64%7.61%FixedInvestmentInterest only5 yr fixed · LVR 80-90% · inv package fixed 5 years io (lvr>80%)
Fixed Rate Loans Reference Rate7.64%9.08%FixedInvestmentP&I1 yr fixed
Fixed Rate Loans Reference Rate7.64%9.05%FixedInvestmentP&I2 yr fixed
3 Year Fixed (Non- Package)7.69%8.18%FixedInvestmentP&I3 yr fixed · LVR 80-90% · inv fixed 3 year p&i (lvr>80%)
3 Year Fixed (Non- Package)7.69%7.98%FixedInvestmentP&I3 yr fixed · LVR 0-80% · inv fixed 3 year p&i (lvr <=80%)
Fixed Rate Loans Reference Rate7.69%9.00%FixedInvestmentP&I3 yr fixed
1 Year Fixed (Non- Package)7.74%7.86%FixedOwner occupierInterest only1 yr fixed · LVR 0-80% · o/o fixed 1 year io (lvr<=80%)
1 Year Fixed (Non- Package)7.74%8.04%FixedInvestmentInterest only1 yr fixed · LVR 0-80% · inv fixed 1 year io (lvr<=80%)
1 Year Fixed (Non- Package)7.74%8.31%FixedInvestmentInterest only1 yr fixed · LVR 80-90% · inv fixed 1 year io (lvr>80%)
2 Year Fixed (Non- Package)7.74%7.86%FixedOwner occupierInterest only2 yr fixed · LVR 0-80% · o/o fixed 2 year io (lvr<=80%)
2 Year Fixed (Non- Package)7.74%8.25%FixedInvestmentInterest only2 yr fixed · LVR 80-90% · inv fixed 2 year io (lvr>80%)
2 Year Fixed (Non- Package)7.74%8.01%FixedInvestmentInterest only2 yr fixed · LVR 0-80% · inv fixed 2 year io (lvr<=80%)
4 Year Fixed (Non- Package)7.74%7.85%FixedOwner occupierP&I4 yr fixed · LVR 0-80% · o/o fixed 4 years p&i (lvr<=80%)
4 Year Fixed (Non- Package)7.74%8.03%FixedOwner occupierP&I4 yr fixed · LVR 80-90% · o/o fixed 4 years p&i (lvr>80%)
5 Year Fixed (Non- Package)7.74%7.84%FixedOwner occupierP&I5 yr fixed · LVR 0-80% · o/o fixed 5 years p&i (lvr<=80%)
5 Year Fixed (Non- Package)7.74%8.00%FixedOwner occupierP&I5 yr fixed · LVR 80-90% · o/o fixed 5 years p&i (lvr>80%)
Fixed Rate Loans Reference Rate7.74%9.12%FixedOwner occupierP&I5 yr fixed
Fixed Rate Loans Reference Rate7.74%8.87%FixedOwner occupierInterest only1 yr fixed
Fixed Rate Loans Reference Rate7.74%8.93%FixedOwner occupierInterest only2 yr fixed
Fixed Rate Loans Reference Rate7.74%8.90%FixedInvestmentInterest only1 yr fixed
Fixed Rate Loans Reference Rate7.74%8.80%FixedInvestmentInterest only2 yr fixed
Fixed Rate Loans Reference Rate7.74%8.62%FixedOwner occupierP&I4 yr fixed
3 Year Fixed (Non- Package)7.79%7.86%FixedOwner occupierInterest only3 yr fixed · LVR 0-80% · o/o fixed 3 year io (lvr <=80%)
3 Year Fixed (Non- Package)7.79%8.21%FixedInvestmentInterest only3 yr fixed · LVR 80-90% · inv fixed 3 year io (lvr>80%)
3 Year Fixed (Non- Package)7.79%8.00%FixedInvestmentInterest only3 yr fixed · LVR 0-80% · inv fixed 3 year io (lvr <=80%)
Fixed Rate Loans Reference Rate7.79%8.93%FixedOwner occupierInterest only3 yr fixed
Fixed Rate Loans Reference Rate7.79%8.74%FixedInvestmentInterest only3 yr fixed
4 Year Fixed (Non- Package)7.89%8.03%FixedInvestmentP&I4 yr fixed · LVR 0-80% · inv fixed 4 years p&i (lvr<=80%)
4 Year Fixed (Non- Package)7.89%8.21%FixedInvestmentP&I4 yr fixed · LVR 80-90% · inv fixed 4 years p&i (lvr>80%)
5 Year Fixed (Non- Package)7.89%8.02%FixedInvestmentP&I5 yr fixed · LVR 0-80% · inv fixed 5 years p&i (lvr<=80%)
5 Year Fixed (Non- Package)7.89%8.18%FixedInvestmentP&I5 yr fixed · LVR 80-90% · inv fixed 5 years p&i (lvr>80%)
Fixed Rate Loans Reference Rate7.89%8.93%FixedInvestmentP&I5 yr fixed
Fixed Rate Loans Reference Rate7.89%8.48%FixedInvestmentP&I4 yr fixed
4 Year Fixed (Non- Package)7.99%8.06%FixedInvestmentInterest only4 yr fixed · LVR 0-80% · inv fixed 4 years io (lvr<=80%)
4 Year Fixed (Non- Package)7.99%8.25%FixedInvestmentInterest only4 yr fixed · LVR 80-90% · inv fixed 4 years io (lvr>80%)
5 Year Fixed (Non- Package)7.99%8.06%FixedInvestmentInterest only5 yr fixed · LVR 0-80% · inv fixed 5 years io (lvr<=80%)
5 Year Fixed (Non- Package)7.99%8.22%FixedInvestmentInterest only5 yr fixed · LVR 80-90% · inv fixed 5 years io (lvr>80%)
Fixed Rate Loans Reference Rate7.99%8.70%FixedInvestmentInterest only5 yr fixed
Fixed Rate Loans Reference Rate7.99%8.57%FixedInvestmentInterest only4 yr fixed
Conditions worth checking. Eligibility: 1. To be eligible for HSBC Home Loan Package, you must have minimum borrowings of $150,000 and pay the annual package fee of $390. The package fee will be deducted from the loan proceeds at settlement, and charged to the package home loan on the first business day of the loan anniversar Eligibility: not available to non-residents | Eligibility: 1. To be eligible for HSBC Home Loan Package, you must have minimum borrowings of $150,000 and pay the annual package fee of $390. The package fee will be deducted from the loan proceeds at settlement, and charged to the package home loan on Eligibility: Not available to non-residents | Eligibility: 1. To be eligible for HSBC Home Loan Package, you must have minimum borrowings of $150,000 and pay the annual package fee of $390. The package fee will be deducted from the loan proceeds at settlement, and charged to the package home loan on

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