#1
HSBC Singapore Premier Preferential 2-Year Fixed / SORA Home Loan
From 1.54% p.a.(S$1.54)
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[HSBC Singapore](/entity/hsbc-singapore) Premier Preferential 2-Year Fixed / SORA Home Loan from HSBC Singapore prices from 1.54% p.a. (2-Year Fixed / 1M SORA, benchmarked against 1M Compounded SORA (1.36%)) with a 2-year lock-in and Up to S$2,800–S$3,500 legal/valuation subsidy on refinancing.
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HSBC Singapore Premier Preferential 2-Year Fixed / SORA Home Loan from HSBC Singapore prices from 1.54% p.a. (2-Year Fixed / 1M SORA, benchmarked against 1M Compounded SORA (1.36%)) with a 2-year lock-in and Up to S$2,800–S$3,500 legal/valuation subsidy on refinancing.
Key Metrics
Specifications
LenderHSBC Singapore
Package Structure: 2-Year Fixed / 1M SORA
Year 1 Effective Rate1.54% p.a.
Benchmark / SORA1M Compounded SORA (1.36%)
Lock-In Period2 years
Minimum Loan SizeS$900,000
Refinancing SubsidyUp to S$2,800–S$3,500 legal/valuation subsidy on refinancing
Offset / Account LinkHSBC SmartMortgage interest-offset current account option
Pros and Cons
Pros
- Market-leading 1.54% p.a. preferential fixed/SORA tier in November 2026 for HSBC Premier relationships
- SmartMortgage interest offset + 100% penalty waiver on property sale option
Cons
- Requires S$900,000+ loan size and HSBC Premier status (S$200,000 Total Relationship Balance)
- Subject to HSBC Singapore Singapore Key Facts Sheet & campaign T&Cs
Eligibility
- Minimum loan quantum S$900,000
- subject to MAS Total Debt Servicing Ratio (TDSR <=55%) and Mortgage Servicing Ratio (MSR <=30% for HDB/EC). Free conversion after Year 2 + waiver on property sale
Things to Watch Out For
- Requires S$900,000+ loan size and HSBC Premier status (S$200,000 Total Relationship Balance)
- Subject to HSBC Singapore Singapore Key Facts Sheet & campaign T&Cs
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