Adjustable Rate Mortgage loans: Full details | HSBC
Buy your home with the choice of a flexible, adjustable rate mortgage
Adjustable rate mortgages
With an HSBC Adjustable Rate Mortgage (ARM), you will have the option of starting with a low, fixed rate for the first 3, 5, 7 or 10 years† of your mortgage1.
After that, your rate becomes variable for the remaining term of your loan. Your monthly payment may change - depending on market conditions. You'll be able to take advantage of financing up to $417,000 for a single-family residence.
Simplify your move abroad
Whether you're moving abroad for professional reasons or simply enjoy having a home outside of the U.S., an HSBC Advance relationship2 can help you get settled financially in over 40 countries and territories worldwide.
As an HSBC Advance client you are eligible for 50% off our international account opening services to help make establishing a new home abroad less stressful. Prior to moving, our International Banking Center will provide you with global financial relocation services including:
- Overseas account opening assistance before you leave the U.S. (subject to local terms and conditions)
- Seamless transfer of your HSBC credit history
Mortgage tools & advice
There are many factors to consider when choosing a mortgage. If you're trying to decide between an adjustable or fixed-rate mortgage, use the complimentary resources below to learn more. Remember, if you ever have any questions, we are always available to help.
- Is a fixed or adjustable-rate mortgage right for you?
- Mortgage payment calculator
- Mortgage affordability
- Closing costs estimate
- Refinancing options
HSBC Premier benefits
An HSBC Premier relationship3 may enable you to receive preferred pricing4 on mortgages, in addition to all the benefits that come with HSBC Premier banking5. To learn more about mortgage options for HSBC Premier clients, visit the HSBC Premier Mortgage page.
View payment examples †
1 Interest rate may increase per the terms stated in your adjustable rate note.
2 To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain combined U.S. personal deposit and investment balances of at least $10,000 OR at least $5,000 with a recurring direct deposit from a third party to an HSBC Advance checking account at least once per monthly cycle. Business owners may use their HSBC commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $25 will be incurred if minimum balance or minimum balance with direct deposit requirement is not met.
3 To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain $100,000 in combined U.S. personal deposit and investment balances. A monthly maintenance fee of $50.00 will be incurred if minimum balance requirements are not maintained.
4 Discounts and loan amounts depend on specific program and may require certain Premier balances, reserves, equity and automatic payment from a Premier checking account.
5 Premier clients will need to maintain combined personal and/or qualifying commercial deposit and investment balances of at least $100,000 USD or equivalent at HSBC (in the U.S. or home country) to be eligible for Premier Mortgages.
Interest rate may increase per the terms stated in your adjustable rate note and, for both Fixed and Adjustable Rate Premier Deluxe Mortgage options, in the event you cease to maintain a required Premier relationship with HSBC Bank USA, N.A.
Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. 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 offered in United States by HSBC Bank USA, N.A. Member FDIC.
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Equal Housing Lender.
|†† Investments, Annuity and Insurance Products:|
|ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES||ARE NOT FDIC INSURED||ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY||ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES||MAY LOSE VALUE|
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