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Home loan rates

  We've got a choice of home loans designed to suit you  

About our rates

We offer award-winning home loans no matter if you're looking for a balance transfer, or to invest in the UAE as a resident already, or not. Find the loan that could be right for you.

Compare Fixed-rate and Variable 3-month EIBOR Home Loans

A Fixed-rate Home Loan means that your repayments will stay the same until the end date of the fixed-rate period, even if interest rates change. Once the fixed-rate period is over, you'll automatically move to a variable rate for the rest of your loan.

The 3-month EIBOR based Variable Home Loan is based on the 3-month AED EIBOR, subject to a quarterly review, plus a fixed margin that is set for the life of the loan. So, the rate rises or falls with the EIBOR and this will affect your monthly payments.

For both of our home loans:

  • you may be eligible for a Green Home Loan discount if your property meets the sustainability criteria
  • interest is calculated on the daily balance outstanding on your home loan
  • a standing instruction will be set up to debit your monthly instalment against the loan

Our rates

When you choose a home loan, it's worth considering what your Loan to Value (LTV) will be, as this will affect your rate. Your LTV is the ratio between the amount of the loan you take out and the value of your property as a whole, as a percentage.

Your home loan rate will also differ if:

  • you're an HSBC Premier or Jade customer, as you'll benefit from discounted home loan rates
  • your new property qualifies for a Green Home Loan discount
  • you live outside the UAE different rates apply

When you request a call back, our expert mortgage advisers will let you know exactly what rate you could get.

Fixed-rate Home Loan

You can choose to fix your interest rate, and your mortgage repayments for 1, 2, 3 or 5 years. After the fixed period is over, the interest rate will vary.

We calculate your interest rate by adding together the 3-month AED EIBOR rate and the HSBC margin.

Representative example:

If you choose the 12-month Fixed-rate Home Loan and your interest rate is fixed at 2.79% p.a., then your repayments will remain constant for that 12 month period.

  • loan amount: AED 1,000,000
  • fixed rate: 2.79%
  • fixed period: 12 months
  • monthly instalment: AED 4,634

In the 13th month, the interest rate will change and it will be calculated by adding an HSBC margin to the current 3-month AED EIBOR rate.

  • remaining amount: AED 969,929
  • HSBC margin: 1.59%
  • 3-month AED EIBOR: 0.55%
  • total interest rate: 2.14%
  • monthly instalment: AED 4,307

The representative example is calculated using example figures at a certain date.

Request a call back to speak to our mortgage advisers for a more realistic view of your likely payments.

Variable rate 3-Month EIBOR Home Loan

If you choose the Variable Home Loan, your interest rate is the 3-month EIBOR plus a fixed margin. The EIBOR is reviewed every 3 months, meaning that your instalment amounts may change accordingly.

Representative example:

  • mortgage lending rate is 2.39% per year, which is made up of the current 3 month AED Emirates Interbank Offered Rate (EIBOR) of 0.27% and an HSBC margin of 2.12%
  • monthly payments can change with any changes to the 3 month EIBOR rate on respective review dates (1st January, 1st April, 1st July and 1st October of every year or where such date falls on a non-working day, then the review will take place the next working day)
  • if EIBOR is changed to 0.25% on review date then monthly payment will be calculated at revised rate of 2.37% (i.e. HSBC fixed margin 2.12% + new EIBOR of 0.25%)

The representative example is calculated using example figures at a certain date.

Request a call back to speak to our mortgage advisers for a more realistic view of your likely payments.

Understanding our fees

Take a look at the fees below to understand what could apply to you. For more details about our fees and charges, please see our Schedule of Services and Tariffs.

Find out how to apply

Investing in the UAE with us is straightforward, even if you're not a resident yet.

We recommend that you get an Approval in Principle first – we’ll explain how to do this over the phone when you request a call back. Then, we'll let you know what you’ll need to do for your home loan application.

If you're an HSBC Jade or Premier customer already, simply call your Relationship Manager to get started.

You might also be interested in


Lock in your interest rate with a fixed-interest home loan.


Find out about our competitive EIBOR-mortgage interest rate, and see if it's right for you.


Learn more about the Green Home Loan discount you could get on your interest rate.

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