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Buying new property? We’ll help you through the entire journey.

We offer flexible mortgage loan to suit your needs.

HSBC Mortgages

Leverage on our global knowledge and local mortgage expertise, HSBC offers you the advices that meet your unique financing needs.Whether you’re a first time home buyer or looking for a property for investment, our flexible financing options can help make a new property purchase a reality.


Borrow up to 90% of the property valuation or the purchase price (whichever is lower) for Macau residents and around 50% for non-Macau residents.

  • Loan tenure ranges from 5 and up to 30 years
  • Free choice from our repayment methods to suit your needs
  • Mortgage can be arranged in either local currency (MOP) or Hong Kong dollar (HKD)
  • Waiver of mortgage handling and property valuation fees

HSBC will help you through the home purchase process

Mortgage application, provide advice on a mortgage loan and refinancing. When you've found a property within your budget, we will give you valuation and work out a repayment plan that best matches your budget.

Our mortgage repayment plan

At HSBC, we offer a flexible mortgage repayment schedule to suit your needs. Own your home sooner and save on interest, or repay less in the earlier years. 

Repay fortnightly or monthly with straight-line fixed tenure repayment plan.

Mortgage loan application

Having decided your favourable mortgage repayment plan, you will have to complete the Home Mortgage Loan Application Form, Personal Credit Report Customer's Letter of Consent, and return it to our bank with the following documents:

  • ID/passport original and duplicate copies
  • Bank book/statements for the last three months
  • Tax demand note for the last tax year
  • Employer's letter with company letterhead and bearing company chop confirming job title and income
  • Recent salary payroll advice
  • Provisional or Formal sales and purchase agreement
  • Other documentation as required


Upon approval of your application, we will arrange an appointment with you to come to our Macau Branch for account opening and loan documentation signing.

Things you should know

Interest rate benchmarks
Interest rate type Rate
HSBC's best lending rate (MOP) 6.125%
HSBC's best lending rate (HKD) 6.125%
Interest rate benchmarks
Interest rate type HSBC's best lending rate (MOP)
Rate 6.125%
Interest rate type HSBC's best lending rate (HKD)
Rate 6.125%

Above is for reference only.

Effective Date: 31-Jul-2023

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