Loan Calculator

Life comes with lots of choices, housing loans shouldn't be any different. Choose to reshuffle your finances with extra repayments and convenient withdrawals!

    • Up to 35 years
    • Full-Flexi loan
    • Floating Interest Rate
    • 3 years lock in period
    • Up to 90% margin of finance
  • You Borrow Estimated Interest Rate
    RM350000 - 449000 4.60% p.a.
    RM450000 - 999000 4.50% p.a.
    more than RM1000000 4.45% p.a.
    *Effective interest rate will be determined by HSBC upon approval.

    Fees & Charges

    There are always fees but how much are they?

    Monthly Fee
    Early Settlement Fee
    2% x Original Loan Amount x Remaining Months of Lock-in Period/Total Lock-in Period in Months


    Are you eligible for this HSBC home loan?

    Minimum annual income
    Minimum age
    21 years old
    Maximum age
    65 years old

    Frequently Asked Questions about HSBC HomeSmart

    Things you might want to know

    What is HSBC HomeSmart?

    HSBC HomeSmart is a fully flexible home loan that allows you to adjust your finances according to what's most important at any period of your life. Starting a family can be a daunting task, and the planning never stops. HSBC will be able to finance your new home purchase (for both under construction and completed properties) up to 90% of the property value, for up to 35 years. You can also refinance your current home loan using HSBC HomeSmart at a competitive refinance rate.

    What interest rates can I get with HSBC HomeSmart?

    The interest rate on HSBC HomeSmart is based on the floating rate, which is pegged to Base Rate with a spread. Nonetheless, HSBC offers you among the best bank mortgage rates in the market and flexible repayment up to 35 years, 70 years of age, whichever is earlier.

    Can I make advance payments or withdrawals from HSBC HomeSmart?

    Yes, you can! HomeSmart provides flexibility to make advance payments, and withdraw these payments anytime you like. The total amount you're allowed to withdraw will depend on the tenure and HomeSmart facility limit available. No notice is required, so you can make advance payments and withdrawals without any additional charges. You can request for a cheque book and ATM card to help manage your HomeSmart account. Enjoy convenient banking via ATM, cheque, phone banking and internet banking.

    How do I pay for my instalments?

    There are a few easy ways that you can pay for your repayments. You can either pay via Interbank GIRO transfer, HSBC credit deposit machine, or Standing Instruction among other ways. Here's a useful tip - you can consolidate your money flow by depositing all your income, plus your bonus and life savings into the HomeSmart current account, making your repayments and excess payments that much more convenient. Excess payments is a very useful feature, as you can pay extra on top of your standard installments to reduce your total tenure and reduce interest payments, while also being able to withdraw those payments easily for emergencies. Less burden on your wallet, more savings in the bank. What documents are required?
    • A photocopy of identity card or passport
    • Your latest 3 months' salary slip
    • Your latest income tax return form (Form B/BE) or EA form or latest EPF statement not exceeding 12 months old
    • Sale and Purchase Agreement/deposit or booking receipt/letter of offer from the housing developer
    • A photocopy of the land title (if any)
    If you are a new salaried employee (at least 3 months in service):
    • Letter of Appointment or Confirmation letter from employer stating salary/allowances
    • The latest bank statements dating back six months (compulsory in the absence of salary slips and/or EA Form) showing salary/payment credited to the account
    If you are self-employed:
    • your business registration documents
    • latest 6 months bank statements
    • latest financial statements and other supporting documents to support your income

Calculate Your Loan

Your Monthly Repayment is:


Profit rate is: 4.5% p.a

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