HSBC Mortgage

General mortgage (less than 60%): about 1-2 weeks (with complete documents and no complications).
High-ratio mortgage (80%-90%): usually takes 3-4 weeks. In peak seasons (such as active real estate market) or complex cases, it may be extended to 6 weeks.

have
To enjoy the various benefits of the "High Loan Mortgage Plan", you must participate in the mortgage insurance plan provided by the Hong Kong Mortgage Insurance Company Limited.
You can pay your premium in the following ways:
Comprehensive premium loan – the premium can be borrowed together with the mortgage loan
Single premium – a lump sum payment when the loan is taken out
Annual Premium – Pay the premium annually from the date of loan withdrawal

Book an Appointment
https://forms.hsbc.com.hk/zh-hk/forms/make-appointment/?interestedProducts=Mortgage

Call
You can contact us by phone from 9:00am to 8:00pm, Monday to Friday, and from 9:00am to 5:00pm, Saturday (except public holidays).
Application hotline:
(852) 2748 8080

The following are the key factors that affect approval time::
High-ratio mortgages (e.g. more than 60% mortgages) need to be approved by mortgage insurance companies (e.g. HKMC or QBE). The process includes:
Submit additional financial evidence (such as tax receipts, MPF records, income stability documents).
Property valuations may require more rigorous verification.
Insurance companies independently assess applicants’ ability to repay.
File Integrity
If the documents are incomplete (such as missing recent bank statements, employment certificates, etc.), submitting additional documents will extend the approval time. Common reasons for delays include:
Self-employed individuals or those with irregular incomes will need to provide additional financial records.
The sources of income are complex (e.g. overseas income and commissions account for a high proportion).
Coordination between banks and insurance companies
The bank needs to complete a preliminary review before transferring it to the insurance company for review, and the process connection may be time-consuming.

Prepare documents in advance
Proof of employment: salary slips, bank statements, and tax receipts from the last 3-6 months.
Proof of employment: company contract or employment letter.
Others: ID card, temporary appointment, property information, etc.
Prefer "Pre-approval" service
Some banks provide pre-assessment services, which can confirm the loan amount and conditions in advance and shorten the formal application time.
Work with a professional intermediary
A mortgage referral or broker can help organize documents, track progress, and reduce communication delays.
Avoid peak application periods
During the peak season of the property market (such as the end of the year or when new properties are launched), the approval process may be extended due to a surge in applications.

Common delay scenarios:
Unstable income: If you have just changed jobs or are a freelancer, it will take longer to verify your income.
Special property types: village houses, tenement buildings, and old buildings require additional technical review.
Credit record issues: If you have a history of overdue payments, you will need to explain the reasons.

‧Hong Kong identity cards or passports of all borrowers (and guarantors, if applicable)
‧Provisional sales and purchase agreement and attachments (applicable to newly purchased properties)
‧Details of existing mortgages (if applicable), such as the repayment schedule of the relevant loans, loan agreements, loan approval documents, etc.
‧Lease agreement (if applicable)
‧Proof of income

Deposit on the day of loan disbursement

Fixed income customers who receive their salary via HSBC autopay
Your salary and account records will be automatically included in the mortgage application assessment

Fixed income customers who receive salary through automatic transfer from other banks
Complete bank passbook or monthly statement for the latest 3 months as income proof

All people with irregular income and self-employed persons
1. Complete bank passbook or monthly statement for the last 6 months as proof of income
2. Latest personal assessment tax bill or pay slips for the last 6 months

‧ Original copy of the sales and purchase agreement for the Home Ownership Scheme (HOS) or Green Form Subsidized Home Ownership Scheme (GSH) and its deposit receipt (applicable to HOS/GSH loan applications)
‧Nomination letter and nomination fee receipt issued by the Housing Authority
‧Certificate of Eligibility for Purchase issued by the Housing Authority (applicable to mortgage loan applications in the secondary market)
‧Certificate of Sale issued by the Housing Authority (applicable to mortgage loan applications in the secondary market)
‧Subscription application form issued and approved by the Housing Authority (applicable to Tenants Purchase Scheme)

‧Proof of outstanding principal balance at the current mortgage bank or financial institution
‧Repayment records issued by the current mortgage bank in the last 6 months
‧Letter of consent issued by the Hong Kong Housing Authority (applicable to government-funded schemes)

‧The latest Profits Tax bill issued by the Hong Kong Inland Revenue Department, or
Latest audited financial statements including profit and loss account and balance sheet
‧Business Registration Certificate

‧Income proof requirements may vary depending on individual circumstances. For enquiries, please contact us.
‧Bank statements showing the income records of each guarantor for the last three months
‧Employment certificate of each guarantor, including:
– your most recent tax bill, or
– Most recent employer tax return, or
- Other income proof documents issued by the sponsor’s employer
Valid business registration certificate or company registration certificate for non-trading companies
Minutes of the meeting that approved the mortgage application, listing the mortgage bank, property address and loan amount

‧No handling fee is charged for mortgage loan application approval
‧If you have accepted the terms of our loan approval letter but have not withdrawn the loan within the period stated in the loan approval letter, a loan cancellation fee of 0.15% of the loan amount will be charged

The list is as follows:
Centaline Mortgage Brokers Ltd.
Meridian Mortgage Referral
Ricacorp Mortgage Agency Limited
Loyal Finance Co., Ltd.
Joint Mortgage Limited
Hong Kong Real Estate Agents Association
KEYI LIMITED
Cheung Yick Real Estate Agency Limited
To enquire about the list of designated mortgage referral companies, please call the mortgage hotline at 2748 8080 and press 4 to select property mortgage service.

You can choose a law firm to provide you with mortgage advice. 
However, if you wish to have the same law firm represent you and us at the same time, that law firm must be approved by us, otherwise it cannot represent us and we will need to appoint another law firm to represent us. 

Please note: You will be responsible for the legal fees arising from the mortgage transaction. If two different law firms represent you and our firm respectively, you will have to bear the legal fees of both law firms. Each party's law firm may charge additional work fees for reviewing the documents of the other party's law firm. Such an arrangement may result in higher legal fees than if only one law firm approved by our firm were to represent both parties.

You can choose a law firm as the bank's representative lawyer but it must be a law firm approved by the Bank.

Yes. It is your responsibility to arrange fire and additional perils insurance for the mortgaged property. However, if the property management company of the housing estate has purchased a master policy and the master policy is acceptable to us, you can use the master policy without having to make separate arrangements to purchase fire insurance. You can check with the property management company of your housing estate in advance whether a comprehensive fire insurance policy has been purchased for the property.

You can purchase fire insurance from an insurance company approved by the Bank or from an insurance company that meets the Bank's requirements from time to time. Please contact your HSBC branch for details.

You can choose a fire insurance provider approved by the Bank.

‧Monthly or biweekly repayment period
‧Fixed payment amount or fixed term repayment method

For more information on mortgage repayment options, please contact an HSBC branch.

If you wish to change your mortgage repayment amount or frequency, please contact an HSBC branch. Changing your mortgage repayment method may incur a service fee. Please refer to the currentHSBC Wealth Management and Personal Banking Fees.

If you wish to change your mortgage plan, please contact an HSBC branch to check whether you are eligible. Changing your mortgage plan may incur a service fee, please refer to the latestHSBC Wealth Management and Personal Banking Fees.

If you wish to arrange early repayment of your mortgage loan, please contact an HSBC branch. Early repayment of mortgage loans may incur a service fee. Please refer to the currentHSBC Wealth Management and Personal Banking Feesand mortgage loan notice.
If there is a discrepancy between the bank's service fee summary and the fees stated in the mortgage loan approval letter, the fees stated in the mortgage loan approval letter shall prevail.

You can choose e-Statements and e-Advice for your mortgage account through HSBC Online Banking.

You are aware of and have sufficient funds to pay for the additional taxes (including stamp duty) and other tax arrangements (if applicable) applicable to non-Hong Kong residents purchasing Hong Kong properties

You understand that the risks of non-Hong Kong residents buying Hong Kong properties, such as changes in taxation and housing policies, are relatively higher.

 
If the following situations apply to you, please do not choose this product
You have not arranged funds to pay for additional taxes (including stamp duty) and other tax arrangements (if applicable) applicable to non-Hong Kong residents purchasing Hong Kong properties

You are unwilling to bear the relatively higher risks of non-Hong Kong residents purchasing Hong Kong properties, such as changes in taxation and housing policies

Related important matters
You need to be aware of the risks of non-Hong Kong residents applying for Hong Kong property mortgages. For example, property prices fluctuate, or the Hong Kong Special Administrative Region imposes tax and housing policy restrictions on overseas buyers and sellers of local properties from time to time.

We need to refer to your credit report provided by the credit reference agency, the income proof documents you submitted, other relevant information, and the relevant guidelines issued by the Hong Kong Monetary Authority from time to time to review your application.