- Featured rates
- Reference rates
Below is a summary of all of our current reference rates, which is the loan’s interest rate before a discount may be applied.
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Home Value Loan
| Reference rate |
Interest rate |
Comparison rate^ |
|---|---|---|
| Principal + Interest | 8.15% p.a. |
8.22% p.a. |
| Interest only |
8.15% p.a. |
8.22% p.a. |
| Reference rate |
Principal + Interest |
|---|---|
| Interest rate |
8.15% p.a. |
| Comparison rate^ |
8.22% p.a. |
| Reference rate |
Interest only |
| Interest rate |
8.15% p.a. |
| Comparison rate^ |
8.22% p.a. |
| Reference rate |
Interest rate |
Comparison rate^ |
|---|---|---|
| Principal + Interest |
8.77% p.a. |
8.84% p.a. |
| Interest only | 9.02% p.a. |
8.96% p.a. |
| Reference rate |
Principal + Interest |
|---|---|
| Interest rate |
8.77% p.a. |
| Comparison rate^ |
8.84% p.a. |
| Reference rate |
Interest only |
| Interest rate |
9.02% p.a. |
| Comparison rate^ |
8.96% p.a. |
Owner Occupiers
| Reference rate |
Interest rate |
Comparison rate^ |
|---|---|---|
| Principal + Interest | 8.15% p.a. |
8.22% p.a. |
| Interest only |
8.15% p.a. |
8.22% p.a. |
| Reference rate |
Principal + Interest |
|---|---|
| Interest rate |
8.15% p.a. |
| Comparison rate^ |
8.22% p.a. |
| Reference rate |
Interest only |
| Interest rate |
8.15% p.a. |
| Comparison rate^ |
8.22% p.a. |
Investors
| Reference rate |
Interest rate |
Comparison rate^ |
|---|---|---|
| Principal + Interest |
8.77% p.a. |
8.84% p.a. |
| Interest only | 9.02% p.a. |
8.96% p.a. |
| Reference rate |
Principal + Interest |
|---|---|
| Interest rate |
8.77% p.a. |
| Comparison rate^ |
8.84% p.a. |
| Reference rate |
Interest only |
| Interest rate |
9.02% p.a. |
| Comparison rate^ |
8.96% p.a. |
Standard Variable Rate
| Reference rate |
Interest rate |
Comparison rate^ |
|---|---|---|
| Principal + Interest |
8.76% p.a. |
9.14% p.a. |
| Interest only |
8.76% p.a. |
9.13% p.a. |
| Reference rate |
Principal + Interest |
|---|---|
| Interest rate |
8.76% p.a. |
| Comparison rate^ |
9.14% p.a. |
| Reference rate |
Interest only |
| Interest rate |
8.76% p.a. |
| Comparison rate^ |
9.13% p.a. |
| Reference rate |
Interest rate |
Comparison rate^ |
|---|---|---|
| Principal + Interest |
9.38% p.a. |
9.76% p.a. |
| Interest only |
9.63% p.a. |
9.86% p.a. |
| Reference rate |
Principal + Interest |
|---|---|
| Interest rate |
9.38% p.a. |
| Comparison rate^ |
9.76% p.a. |
| Reference rate |
Interest only |
| Interest rate |
9.63% p.a. |
| Comparison rate^ |
9.86% p.a. |
Owner Occupiers
| Reference rate |
Interest rate |
Comparison rate^ |
|---|---|---|
| Principal + Interest |
8.76% p.a. |
9.14% p.a. |
| Interest only |
8.76% p.a. |
9.13% p.a. |
| Reference rate |
Principal + Interest |
|---|---|
| Interest rate |
8.76% p.a. |
| Comparison rate^ |
9.14% p.a. |
| Reference rate |
Interest only |
| Interest rate |
8.76% p.a. |
| Comparison rate^ |
9.13% p.a. |
Investors
| Reference rate |
Interest rate |
Comparison rate^ |
|---|---|---|
| Principal + Interest |
9.38% p.a. |
9.76% p.a. |
| Interest only |
9.63% p.a. |
9.86% p.a. |
| Reference rate |
Principal + Interest |
|---|---|
| Interest rate |
9.38% p.a. |
| Comparison rate^ |
9.76% p.a. |
| Reference rate |
Interest only |
| Interest rate |
9.63% p.a. |
| Comparison rate^ |
9.86% p.a. |
Home Smart
| Reference rate |
Interest rate |
Comparison rate^ |
|---|---|---|
| Principal + Interest |
8.76% p.a. |
9.14% p.a. |
| Reference rate |
Principal + Interest |
|---|---|
| Interest rate |
8.76% p.a. |
| Comparison rate^ |
9.14% p.a. |
| Reference rate |
Interest rate |
Comparison rate^ |
|---|---|---|
| Principal + Interest |
9.38% p.a. |
9.76% p.a. |
| Reference rate |
Principal + Interest |
|---|---|
| Interest rate |
9.38% p.a. |
| Comparison rate^ |
9.76% p.a. |
Owner Occupiers
| Reference rate |
Interest rate |
Comparison rate^ |
|---|---|---|
| Principal + Interest |
8.76% p.a. |
9.14% p.a. |
| Reference rate |
Principal + Interest |
|---|---|
| Interest rate |
8.76% p.a. |
| Comparison rate^ |
9.14% p.a. |
Investors
| Reference rate |
Interest rate |
Comparison rate^ |
|---|---|---|
| Principal + Interest |
9.38% p.a. |
9.76% p.a. |
| Reference rate |
Principal + Interest |
|---|---|
| Interest rate |
9.38% p.a. |
| Comparison rate^ |
9.76% p.a. |
Home Equity
| Reference rate |
Interest rate |
Comparison rate^ |
|---|---|---|
| Interest only | 8.84% p.a. |
- |
| Reference rate |
Interest only |
|---|---|
| Interest rate |
8.84% p.a. |
| Comparison rate^ |
- |
| Reference rate |
Interest rate |
Comparison rate^ |
|---|---|---|
| Interest only | 9.78% p.a. |
- |
| Reference rate |
Interest only |
|---|---|
| Interest rate |
9.78% p.a. |
| Comparison rate^ |
- |
Owner Occupiers
| Reference rate |
Interest rate |
Comparison rate^ |
|---|---|---|
| Interest only | 8.84% p.a. |
- |
| Reference rate |
Interest only |
|---|---|
| Interest rate |
8.84% p.a. |
| Comparison rate^ |
- |
Investors
| Reference rate |
Interest rate |
Comparison rate^ |
|---|---|---|
| Interest only | 9.78% p.a. |
- |
| Reference rate |
Interest only |
|---|---|
| Interest rate |
9.78% p.a. |
| Comparison rate^ |
- |
Fixed Rate Loans*
| Reference rates |
Interest rate |
Comparison rate^ |
|---|---|---|
| 1 Year | 6.69% p.a. |
7.80% p.a. |
| 2 Years | 6.49% p.a. |
7.64% p.a. |
| 3 Years | 6.49% p.a. |
7.52% p.a. |
| 4 Years | 6.49% p.a. | 7.41% p.a. |
| 5 Years | 6.49% p.a. |
7.31% p.a. |
| Reference rates |
1 Year |
|---|---|
| Interest rate |
6.69% p.a. |
| Comparison rate^ |
7.80% p.a. |
| Reference rates |
2 Years |
| Interest rate |
6.49% p.a. |
| Comparison rate^ |
7.64% p.a. |
| Reference rates |
3 Years |
| Interest rate |
6.49% p.a. |
| Comparison rate^ |
7.52% p.a. |
| Reference rates |
4 Years |
| Interest rate |
6.49% p.a. |
| Comparison rate^ |
7.41% p.a. |
| Reference rates |
5 Years |
| Interest rate |
6.49% p.a. |
| Comparison rate^ |
7.31% p.a. |
| Reference rates |
Interest rate |
Comparison rate^ |
|---|---|---|
| 1 Year | 6.99% p.a. |
7.83% p.a. |
| 2 Years | 6.79% p.a. |
7.71% p.a. |
| 3 Years |
6.79% p.a. |
7.61% p.a. |
| Reference rates |
1 Year |
|---|---|
| Interest rate |
6.99% p.a. |
| Comparison rate^ |
7.83% p.a. |
| Reference rates |
2 Years |
| Interest rate |
6.79% p.a. |
| Comparison rate^ |
7.71% p.a. |
| Reference rates |
3 Years |
| Interest rate |
6.79% p.a. |
| Comparison rate^ |
7.61% p.a. |
| Reference rates |
Interest rate |
Comparison rate^ |
|---|---|---|
| 1 Year | 6.89% p.a. |
8.00% p.a. |
| 2 Years | 6.69% p.a. |
7.84% p.a. |
| 3 Years | 6.69% p.a. |
7.72% p.a. |
| 4 Years | 6.69% p.a. | 7.61% p.a. |
| 5 Years | 6.69% p.a. |
7.51% p.a. |
| Reference rates |
1 Year |
|---|---|
| Interest rate |
6.89% p.a. |
| Comparison rate^ |
8.00% p.a. |
| Reference rates |
2 Years |
| Interest rate |
6.69% p.a. |
| Comparison rate^ |
7.84% p.a. |
| Reference rates |
3 Years |
| Interest rate |
6.69% p.a. |
| Comparison rate^ |
7.72% p.a. |
| Reference rates |
4 Years |
| Interest rate |
6.69% p.a. |
| Comparison rate^ |
7.61% p.a. |
| Reference rates |
5 Years |
| Interest rate |
6.69% p.a. |
| Comparison rate^ |
7.51% p.a. |
| Reference rates |
Interest rate |
Comparison rate^ |
|---|---|---|
| 1 Year | 6.99% p.a. |
8.01% p.a. |
| 2 Years | 6.79% p.a. |
7.86% p.a. |
| 3 Years | 6.79% p.a. |
7.75% p.a. |
| 4 Years | 6.79% p.a. | 7.65% p.a. |
| 5 Years | 6.79% p.a. |
7.56% p.a. |
| Reference rates |
1 Year |
|---|---|
| Interest rate |
6.99% p.a. |
| Comparison rate^ |
8.01% p.a. |
| Reference rates |
2 Years |
| Interest rate |
6.79% p.a. |
| Comparison rate^ |
7.86% p.a. |
| Reference rates |
3 Years |
| Interest rate |
6.79% p.a. |
| Comparison rate^ |
7.75% p.a. |
| Reference rates |
4 Years |
| Interest rate |
6.79% p.a. |
| Comparison rate^ |
7.65% p.a. |
| Reference rates |
5 Years |
| Interest rate |
6.79% p.a. |
| Comparison rate^ |
7.56% p.a. |
Owner Occupiers
| Reference rates |
Interest rate |
Comparison rate^ |
|---|---|---|
| 1 Year | 6.69% p.a. |
7.80% p.a. |
| 2 Years | 6.49% p.a. |
7.64% p.a. |
| 3 Years | 6.49% p.a. |
7.52% p.a. |
| 4 Years | 6.49% p.a. | 7.41% p.a. |
| 5 Years | 6.49% p.a. |
7.31% p.a. |
| Reference rates |
1 Year |
|---|---|
| Interest rate |
6.69% p.a. |
| Comparison rate^ |
7.80% p.a. |
| Reference rates |
2 Years |
| Interest rate |
6.49% p.a. |
| Comparison rate^ |
7.64% p.a. |
| Reference rates |
3 Years |
| Interest rate |
6.49% p.a. |
| Comparison rate^ |
7.52% p.a. |
| Reference rates |
4 Years |
| Interest rate |
6.49% p.a. |
| Comparison rate^ |
7.41% p.a. |
| Reference rates |
5 Years |
| Interest rate |
6.49% p.a. |
| Comparison rate^ |
7.31% p.a. |
| Reference rates |
Interest rate |
Comparison rate^ |
|---|---|---|
| 1 Year | 6.99% p.a. |
7.83% p.a. |
| 2 Years | 6.79% p.a. |
7.71% p.a. |
| 3 Years |
6.79% p.a. |
7.61% p.a. |
| Reference rates |
1 Year |
|---|---|
| Interest rate |
6.99% p.a. |
| Comparison rate^ |
7.83% p.a. |
| Reference rates |
2 Years |
| Interest rate |
6.79% p.a. |
| Comparison rate^ |
7.71% p.a. |
| Reference rates |
3 Years |
| Interest rate |
6.79% p.a. |
| Comparison rate^ |
7.61% p.a. |
Investors
| Reference rates |
Interest rate |
Comparison rate^ |
|---|---|---|
| 1 Year | 6.89% p.a. |
8.00% p.a. |
| 2 Years | 6.69% p.a. |
7.84% p.a. |
| 3 Years | 6.69% p.a. |
7.72% p.a. |
| 4 Years | 6.69% p.a. | 7.61% p.a. |
| 5 Years | 6.69% p.a. |
7.51% p.a. |
| Reference rates |
1 Year |
|---|---|
| Interest rate |
6.89% p.a. |
| Comparison rate^ |
8.00% p.a. |
| Reference rates |
2 Years |
| Interest rate |
6.69% p.a. |
| Comparison rate^ |
7.84% p.a. |
| Reference rates |
3 Years |
| Interest rate |
6.69% p.a. |
| Comparison rate^ |
7.72% p.a. |
| Reference rates |
4 Years |
| Interest rate |
6.69% p.a. |
| Comparison rate^ |
7.61% p.a. |
| Reference rates |
5 Years |
| Interest rate |
6.69% p.a. |
| Comparison rate^ |
7.51% p.a. |
| Reference rates |
Interest rate |
Comparison rate^ |
|---|---|---|
| 1 Year | 6.99% p.a. |
8.01% p.a. |
| 2 Years | 6.79% p.a. |
7.86% p.a. |
| 3 Years | 6.79% p.a. |
7.75% p.a. |
| 4 Years | 6.79% p.a. | 7.65% p.a. |
| 5 Years | 6.79% p.a. |
7.56% p.a. |
| Reference rates |
1 Year |
|---|---|
| Interest rate |
6.99% p.a. |
| Comparison rate^ |
8.01% p.a. |
| Reference rates |
2 Years |
| Interest rate |
6.79% p.a. |
| Comparison rate^ |
7.86% p.a. |
| Reference rates |
3 Years |
| Interest rate |
6.79% p.a. |
| Comparison rate^ |
7.75% p.a. |
| Reference rates |
4 Years |
| Interest rate |
6.79% p.a. |
| Comparison rate^ |
7.65% p.a. |
| Reference rates |
5 Years |
| Interest rate |
6.79% p.a. |
| Comparison rate^ |
7.56% p.a. |
How to apply
New customers
New HSBC Australia customers or existing customer who do not have online banking
Existing customers
Existing HSBC Australia customers with online banking
Terms & Conditions
^ The comparison rate is based on a secured loan of $150,000 over the term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Maximum loan amount is $15,000,000. Interest rate is current as at 16 December 2024 and is subject to change.
* Fixed Rates Revert to HSBC’s Standard Variable Rate. Fixed break costs may apply if repayments are greater than $10,000 per year or if the fixed contract is broken before the end of the fixed loan term.
Credit provided by HSBC Bank Australia ABN 48 006 434 162. Australian Credit Licence/AFSL 232595. Home Loan Terms, and Personal Banking Booklet, fees and charges and lending criteria apply.