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Personal Lending Rates

Mortgage rates

Read more about mortgages


Variable Mortgage Loan to Value (LTV)  (?) Maximum Term Repayment Total Rate
Premier Up to 80% loan to value* 30 years Principal and interest 5.99%
Advance Up to 80% loan to value* 30 years Principal and interest 6.25%
Personal Up to 80% loan to value* 30 years Principal and interest 6.50%

Fixed Rate Mortgage Loan to Valuation Fixed Rate Period Maximum Term Repayment Total Rate
Premier Up to 80% loan to value* 5 years 30 years Principal and interest 5.74%
Advance Up to 80% loan to value* 5 years 30 years Principal and interest 6%
Personal Up to 80% loan to value* 5 years 30 years Principal and interest 6.25%

Home Equity Maximum term Repayment Total rate
Loan 30 years Principal and interest 5.75%

*Mortgage rate effective 15 August 2016. Mortgage rates may vary – for details please make an appointment with an HSBC Personal Banker at 299-5959 or contact your Relationship Manager today.
*After the initial Five Year Fixed Period the Mortgage will revert to a variable term.

HSBC Bank Bermuda Limited base rate is 3.50%.

Loan Rates

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Personal loans - Unsecured Maximum term Repayment Total rate
Premier 5 years Principal and interest 7%
Advance 5 years Principal and interest 7.50%
Personal 5 years Principal and interest 7.75%
Personal loans - Secured** Maximum term Repayment Total rate
Premier 5 years Principal and interest 6.25%
Advance 5 years Principal and interest 6.75%
Personal 5 years Principal and interest 7%
Education loans Maximum term Repayment Total rate
Secured ** 5 years Principal and interest From 5.50%
Unsecured 5 years Principal and interest From 6.50%

Solar Loans Maximum Term Repayment Total Rate
Unsecured 7 Years Principal and Interest 6%

**Acceptable security can be in the form of fixed deposits or savings account proceeds on deposit at HSBC Bermuda.

Personal Line of Credit Maximum term Repayment Total rate
Personal N/A Principal and interest 10%
Advance N/A Principal and Interest 9%
Premier N/A Principal and Interest 8%
Overdraft Maximum term Total rate
Overdraft Minimum - 3 months
Maximum - 3 years

7%

What you should know before you apply

  • HSBC Bermuda's current BMD base rate for personal banking customers is 3.50%.
  • Rates are subject to change without notice.
  • Preferential mortgage and loan rates may apply. Come and see us.

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