Home Equity line of credit rates: Finding the best rate in your state | HSBC

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Home Equity Line of ChoiceSM - Rates by State

Please select the state in which the property is or will be located from the list below.

Learn More about Home Equity Line of ChoiceSM

1 The Annual Percentage Rate (APR) for a Home Equity Line of ChoiceSM is variable and is based on the U.S. Prime Rate published each day in The Wall Street Journal (but not the Weekend Edition of The Wall Street Journal) (the "Index") plus a margin. If The Wall Street Journal publishes more than one U.S. Prime Rate for a day, the Index will be the average of those rates. The index as of the last change date of December 17, 2015 is 3.50%. The maximum APR is the greater of 15.9% or 5% above the initial APR. The APR will not increase or decrease by more than 4% in each year. Rates apply to lines secured by your primary residence (excluding co-ops and 3-4 family property) with a total loan-to-value ("TLTV") ratio of 80% or less. Higher rates may apply for different TLTV's, property and product types. Please contact us for current rates on lines with different terms

The APR does not include closing costs. For lines equal to or lesser than $500,000, HSBC will pay all closing costs. For lines greater than $500,000, HSBC will pay half of the Mortgage Taxes and Title insurance costs, and all other closing costs, which are estimated to range between $1,000 to $17,000. If you terminate your account within the first three years, you will have to pay an early termination fee of $500 or $750 (California and Virginia properties), plus certain fees paid to third parties on your behalf. These third party fees include mortgage taxes and mortgage tax-like fees, and title insurance costs, and are estimated to range from $600 to $15,000 ($500,000 or less) or $500 to $9,500 (more than $500,000), but might be higher. No annual or application fees will be assessed. Your home equity account will be secured by a mortgage on your home. Property insurance is required and flood insurance may be required.

2 Consult your tax advisor for details on tax deductibility of interest paid on loans secured by your home.

Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for property 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.

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