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HSBC Mortgage Rates

Monthly payments calculated below are based on loan amount of $424,101

These payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater.
Rates as of 12/11/2017 11:38:54 AM . Rates shown are for California only; for current rates available in other states, please call 866.427.2101.

  Terms*
Rates* Points* APR%* Monthly Payment*
Adjustable Rates**
5/1 ARM (30yr)
2.941% 0 3.821% $1774.56
  7/1 ARM (30yr)
3.416% 0 3.894% $1884.57
  10/1 ARM (30yr)
3.509% 0 3.831% $1906.53
Fixed Rates
15yr
3.858% 0 3.927% $3106.93
  30yr
4.072% 0 4.112% $2042.37

Learn more about Premier Deluxe Mortgages

 

1 To be eligible for an HSBC Premier Deluxe Mortgage, you must: (A) be an HSBC Premier relationship customer with a U.S. Premier checking account; and (B) have combined personal deposit and investment balances of at least $100,000 USD or equivalent at any member of the HSBC Group (in the U.S. or home country). The Premier balances must be fully funded before the closing of the mortgage loan. To learn more about the Premier relationship requirements contact an HSBC branch or call toll free at 866.801.6756. ‡ Investment and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC.  HSI is an affiliate of HSBC Bank USA, N.A.

2 Discounts and loan amount depend on a specific program and may require certain Premier balances, reserves, equity, and automatic payment from an HSBC U.S. Premier checking account.

* Explanation of Terms

Annual Percentage Rate (APR) and Monthly Payment
The APR is the annual cost of the loan and includes fees (such as mortgage insurance, most closing costs, discount points and loan origination fees) indicating the total cost of the loan. Assumptions: The APR and Monthly Payment calculation is based on a loan amount of $424,101 for the purchase of an owner occupied property, a down payment of 20%, closing costs of $1,300.00 plus points shown above, 15 days of prepaid interest and an interest rate with a 60-day lock period.

**The APR interest rate and monthly payment shown for Adjustable Rate Mortgages (ARMs) may increase or decrease after the initial fixed rate period per the terms stated in your adjustable rate note.

Current Rates
Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates available to most customers. Your individual rate may vary.

Payment Examples:

5/1 ARM Jumbo Premier Deluxe: The total repayment term for this ARM loan is 30 years or 360 payments. For the first 60 months, the payment will be $1774.56 with a corresponding simple interest rate of 2.941%; for the remaining 300 months, the estimated payment will be $2040.43 with a corresponding simple interest rate of 4.25%. The interest rate and payment may vary after the first 60 months.

7/1 ARM Jumbo Premier Deluxe: The total repayment term for this ARM loan is 30 years or 360 payments. For the first 84 months, the payment will be $1884.57 with a corresponding simple interest rate of 3.416%; for the remaining 276 months, the estimated payment will be $2045.84 with a corresponding simple interest rate of 4.25%. The interest rate and payment may vary after the first 84 months.

10/1 ARM Jumbo Premier Deluxe: The total repayment term for this ARM loan is 30 years or 360 payments. For the first 120 months, the payment will be $1906.53 with a corresponding simple interest rate of 3.509%; for the remaining 240 months, the estimated payment will be $2034.02 with a corresponding simple interest rate of 4.25%. The interest rate and payment may vary after the first 120 months.

15yr Fixed Jumbo Premier Deluxe: The total repayment term for this fixed rate loan is 15 years or 180 payments. Monthly Payments will be $3106.93 with a corresponding simple interest rate of 3.858%.

30yr Fixed Jumbo Premier Deluxe: The total repayment term for this fixed rate loan is 30 years or 360 payments. Monthly Payments will be $2042.37 with a corresponding simple interest rate of 4.072%.

 

Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for properties located in the U.S. Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.

 

Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

 

United States persons are subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non-U.S. accounts. U.S. persons should consult a tax advisor for more information.

 

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