HSBC HomeSmart

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

HSBC HomeSmart
Up to 35 years
Interest Rate
from 4.45% p.a.
Loan type
Full-Flexi loan
Interest Type
Floating interest rate
Lock In Period
3 years
Margin of finance
up to 90%

Interest Rate

The interest paid based on the home loan amount borrowed

You borrowEstimated Interest Rate
RM350,000 - RM449,0004.6% p.a.
RM450,000 - RM999,0004.5% p.a.
more than RM1,000,0004.45% p.a.
*Effective interest rate will be determined by HSBC upon approval.


Minimum Annual Income
Minimum Age
  • 21 to 65 years old
Who can apply
  • Any nationality
  • Only for new or existing HSBC Advance customers

Fees & Charges

Late Penalty Fee
1% p.a. p.a. of the outstanding amount
Processing Fee
Monthly Fee
Early Settlement Fee
2% x Original Loan Amount x Remaining Months of Lock-in Period/Total Lock-in Period in Months

More Information

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
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