Home Equity Loan Rates

Product ‡	Loan Amount *	Regular APR¹	Plus Checking² EmployeePlusBanking^† APR¹ (0.50% Discount)	Premier³ APR¹ (0.75% Discount)
Stand Alone Home Equity Rates < 80% TLTV	$100,000 - $500,000 $40,000 - $99,999 $10,000 - $39,999	7.99% 8.09% 8.49%	7.49% 7.59% 7.99%	7.24% 7.34% 7.74%
Stated Income ** Stand Alone Home Equity Rates < 70% TLTV	$100,000 - $250,000 $40,000 - $99,999 $10,000 - $39,999	8.24% 8.34% 8.74%	7.74% 7.84% 8.24%	7.49% 7.59% 7.99%

* In AZ, minimum loan amount is $10,001
** Stated Income not available in ME or MN

Rates shown are for new Home Equity Loan accounts only and may change daily without notice.

‡ Click here for information regarding home equity products with Interest Only Options, Early Termination Fees and Reduced Documentation.

Rate for approved Home Equity Loans of $10,000 to $39,999 with a TLTV < 80% is 8.49% APR. The rate for similar Home Equity Loans with automatic payment from an HSBC Premier Account is 7.74% APR and the rate for customers with automatic payment from an HSBC Plus Checking Account is 7.99% APR. Higher rates apply to loans secured by other types of ownership (i.e.: second homes and investment property), other product types (i.e.: Stated Income). Regular rate may vary daily. Rates apply to loans secured by your primary residence (excluding co-ops and 3-4 family property). If you terminate your account within the first three years you will have to pay an early termination fee of $500 ($750 if the property securing the account is located in California or Virginia) plus the amount of the Mortgage Tax, Intangible Tax, Documentary Stamp Tax or Mortgage Registry Tax (NY, FL, GA, MN, OK, TN). These taxes could range from $270 to $17,400. In addition, to the above for loans greater than $500,000 (which are processed on an exception basis) you will be required to pay any mortgage tax-like fees associated with the amount greater than $500,000 at the time your account is established. Your home equity account will be secured by a mortgage on your home. Property insurance and flood insurance, if applicable, is required. Discounts can be can cancelled or subject to change at any time. Discount can not be combined with any other offer or discount.
To qualify for HSBC's Plus Checking, personal banking clients must maintain $15,000 in total combined balances, that includes personal deposit, investment and qualifying credit balances.
To qualify for an HSBC Premier Relationship, you need to open an HSBC Premier checking account and maintain $100,000 in combined personal deposit and investment balances. Business owners may use their commercial balances to qualify for personal Premier relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained.

† The EmployeePlusBanking^SM Program is an exclusive personal banking package for employees of participating companies. To find out if your company is enrolled in this Program, visit your nearby HSBC branch and mention EmployeePlusBanking or call 1-800-975-HSBC.

Deposit products offered through HSBC Bank USA, N.A. is Member FDIC.
Home Equity Products offered through HSBC Mortgage Corporation (USA).