HSBC First-Time Buyer

HSBC First-Time Buyer offers the highest LTV on this list at 80%, requiring only 2 years of payslips. This exceeds the 75% LTV cap of #6 Citi First-Time Buyer Program and #7 OCBC First-Time Buyer, giving buyers a 5% lower down payment hurdle. Interest rates start at 2.5% annually for verified applicants. All standard documentation is accepted. Verified April 2026 via HSBC official website.