All displayed rates updated 9/17/24, 11:33 AM
Rates, discounts and loan amounts depend on specific program and may require certain personal deposit and investment balances, reserves, equity and automatic payment from an HSBC U.S. checking account.
Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates available to most customers. Your individual rate may vary.
Assumptions:
Conforming 30 Year Fixed mortgage APR and monthly payment calculation are based on a loan amount of $400,000 and a down payment of 20%, with closing costs of $2410.75 plus -0.11 points.
Conforming 15 Year Fixed mortgage APR and monthly payment calculation are based on a loan amount of $400,000 and a down payment of 20%, with closing costs of $2410.75 plus -0.56 points.
CommunityWorks APR and monthly payment calculation are based on a loan amount of $200,000 and a down payment of 20%, with closing costs of $2486.75 plus 0.00 points.
Payment Examples:
30 Year Fixed Rate: The total repayment term for this fixed rate loan is 30 years or 360 payments. Monthly principal and interest payments will be $2430.44 with a corresponding interest rate of 6.125%
15 Year Fixed Rate: The total repayment term for this fixed rate loan is 15 years or 180 payments. Monthly principal and interest payments will be $3321.64 with a corresponding interest rate of 5.750%
30 Year Fixed CommunityWorks: The total repayment term for this fixed rate loan is 30 years or 360 payments. Monthly principal and interest payments will be $1193.96 with a corresponding interest rate of 5.960%.
Disclosures:
The CommunityWorks program is only available in Washington DC and specific counties in CA, CT, DE, FL, MD, NJ, NY, PA, VA, WA. Certain income level restrictions may apply depending upon property location.
We offer additional mortgage options not listed above.
At HSBC we offer a suite of jumbo mortgage products designed with additional features and discounts based on your banking relationship with HSBC.
Jumbo mortgages: based on the purchase of a single-family, primary residence, 65% loan- to-value (LTV), a credit score of 740, 15 days of prepaid interest and an interest rate with a 60-day lock period. For each products' corresponding closing costs, points, and payment examples click assumptions drop down below. Rates shown are for New York only; for current rates available in other states, please call 866.427.2101.
Rates, discounts and loan amounts depend on specific program and may require certain personal deposit and investment balances, reserves, equity and automatic payment from an HSBC U.S. checking account.
Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates available to most customers. Your individual rate may vary.
Assumptions:
Jumbo Deluxe Fixed Rate and Adjustable Rate Mortgage APR and Monthly Payment calculations are based on a loan amount of $1,000,000 and a down payment of 35%, with closing costs of $2486.75 plus 0.00 points.
Payment Examples:
HSBC Deluxe 30 Fixed Mortgage: The total repayment term for this fixed rate loan is 30 years or 360 payments. Monthly principal and interest payments will be $5891.75 with a corresponding interest rate of 5.838%.
HSBC Deluxe Mortgage 10/6 ARM: The total repayment term for this ARM loan is 30 years or 360 payments. For the first 120 months, the principal and interest payment will be $5706.16 with a corresponding interest rate of 5.545%. For the remaining 240 months, the principal and interest payment will vary based upon the margin added to the current index on scheduled adjustment dates (which may be subject to adjustment or lifetime interest rate caps). Therefore, the actual interest rate and monthly principal and interest payment may be higher or lower than shown here but never below the margin or the floor rate for the applicable program.
HSBC Deluxe Mortgage 7/6 ARM: The total repayment term for this ARM loan is 30 years or 360 payments. For the first 84 months, the principal and interest payment will be $5706.16 with a corresponding interest rate of 5.545%. For the remaining 276 months, the principal and interest payment will vary based upon the margin added to the current index on scheduled adjustment dates (which may be subject to adjustment or lifetime interest rate caps). Therefore, the actual interest rate and monthly principal and interest payment may be higher or lower than shown here but never below the margin or the floor rate for the applicable program.
HSBC Deluxe Mortgage 5/6 ARM: The total repayment term for this ARM loan is 30 years or 360 payments. For the first 60 months, the principal and interest payment will be $5664.09 with a corresponding interest rate of 5.478%. For the remaining 300 months, the principal and interest payment will vary based upon the margin added to the current index on scheduled adjustment dates (which may be subject to adjustment or lifetime interest rate caps). Therefore, the actual interest rate and monthly principal and interest payment may be higher or lower than shown here but never below the margin or the floor rate for the applicable program.
Disclosures:
HSBC Deluxe Mortgage requires combined personal deposit and investment ‡ balances of at least $75,000 U.S. Dollars or equivalent at any member of the HSBC Group (in the U.S. or home country). The minimum balance requirement must be fully funded before the closing of the mortgage loan. To learn more about the Deluxe Mortgage requirements contact an HSBC representative or call 844.HSBC.MTG (844.472.2684).