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Current Mortgage Rates

Compare today's rates

All displayed rates updated 11/25/20, 12:35 PM 

Conforming and Affordable Mortgage Rates

  Interest Rate APR
30 Year Fixed Rate
2.875%
2.861%
15 Year Fixed Rate
2.375%
2.389%
CommunityWorks
3.875%
3.981%
SONYMA
3.375%
3.476%

Conforming and Affordable Mortgage Rates

  30 Year Fixed Rate
Interest Rate 2.875%
APR 2.861%
  15 Year Fixed Rate
Interest Rate 2.375%
APR 2.389%
  CommunityWorks
Interest Rate 3.875%
APR 3.981%
  SONYMA
Interest Rate 3.375%
APR 3.476%

Conforming & Affordable mortgages: based on the purchase of a single-family, primary residence, 80% loan- to-value (LTV), a credit score of 740, 15 days of prepaid interest and an interest rate with a 60-day lock period. For each products' corresponding closing costs, points, and payment examples click assumptions drop down below. Rates shown are for New York only; for current rates available in other states, please call 866.427.2101.

We offer additional mortgage options not listed above. 

Jumbo Mortgage Rates

At HSBC we offer a suite of jumbo mortgage products designed with additional features and discounts based on your banking relationship with HSBC. 

HSBC Deluxe Mortgage Rates
  Interest Rate
APR
30 Year Fixed Rate
 2.989%
3.016%
10/6 ARM
2.505%
2.780%
7/6 ARM
2.389%
2.817%
5/6 ARM
2.312%
2.872%
HSBC Deluxe Mortgage Rates
  30 Year Fixed Rate
Interest Rate
 2.989%
APR
3.016%
  10/6 ARM
Interest Rate
2.505%
APR
2.780%
  7/6 ARM
Interest Rate
2.389%
APR
2.817%
  5/6 ARM
Interest Rate
2.312%
APR
2.872%

Jumbo mortgages: based on the purchase of a single-family, primary residence, 65% loan- to-value (LTV), a credit score of 740, 15 days of prepaid interest and an interest rate with a 60-day lock period. For each products' corresponding closing costs, points, and payment examples click assumptions drop down below. Rates shown are for New York only; for current rates available in other states, please call 866.427.2101.

We offer additional mortgage options not listed above. 

Explore our jumbo mortgage offerings

 

No existing HSBC relationship or combined HSBC personal deposit or investment balances less than $10,000

 

For borrowers with $10,000 to less than $75,000 in combined HSBC personal deposit and investment balances

 

For borrowers with $75,000 to less than $1,000,000 in combined HSBC personal deposit and investment balances

 

For borrowers with $1,000,000 or more in combined HSBC personal deposit and investment balances

 

For borrowers with an HSBC Private Banking relationship1

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Explanation of Terms

Fixed rate mortgage – The interest rate remains the same for the full term of the mortgage.

Adjustable rate mortgage (ARM) – The APR 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. ARMs not avaliable in Rhode Island.

Interest Rate – The rate of interest on a mortgage, expressed as a percentage.

APR – 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. 

Conforming mortgage – Conventional home mortgages eligible for sale and delivery to Fannie Mae or Freddie Mac. These agencies generally purchase first mortgages up to loan amounts mandated by the Federal Housing Finance Agency (FHFA).

Jumbo mortgage – Jumbo home mortgages exceed the limits set by the Federal Housing Finance Agency (FHFA).

1 To become an HSBC Private Banking customer, you must be invited and reviewed on an individual basis. See your Relationship Manager for details. 

‡ 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.

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

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.

If you are a service member on active duty looking to refinance your mortgage loan, please consult your legal advisor regarding whether your existing mortgage loan is eligible for benefits under the Servicemembers Civil Relief Act and how a refinance may impact those benefits.

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