HSBC Mortgage Calculator
Work out your HSBC UAE repayment on HSBC UAE’s own verified pricing — then let us check it against 15+ banks, commission-free.
Self-employed and running your own business? HSBC UAE is one of the banks we place business-owner files with — commission-free. Advertised rates below are verified from official circulars; we confirm your exact terms free.
Advertised rate — we confirm HSBC UAE's current best pricing for your profile, free.
How to use the HSBC UAE calculator
Set the property price, your deposit, the term and the rate above. It opens on 4.05% — HSBC UAE’s lowest advertised fixed rate in our verified circular set — so the figure you see starts from a real published number rather than a placeholder.
On an AED 1,500,000 property with 20% down over 25 years at that rate, the loan is AED 1,200,000 and the repayment lands around AED 6,367 a month. Change any input above to match your own case.
HSBC UAE advertised rates
| Segment | Advertised fixed rate | After the fixed period | Verified |
|---|---|---|---|
| Non-salary transfer | 4.05% · 1-yr fixed | then 1.29% + 3M EIBOR | 2026-07-12 |
| Non-salary transfer | 4.19% · 2-yr fixed | then 1.29% + 3M EIBOR | 2026-07-12 |
| Self-employed | 4.19% · 2-yr fixed | then 1.69% + 3M EIBOR | 2026-07-12 |
| Self-employed | 4.45% · 1-yr fixed | then 1.69% + 3M EIBOR | 2026-07-12 |
| Salary transfer | 4.05% · 1-yr fixed | then 1.29% + 3M EIBOR | 2026-07-12 |
| Salary transfer | 4.19% · 2-yr fixed | then 1.29% + 3M EIBOR | 2026-07-12 |
Advertised rates taken from HSBC UAE circulars, verified by Mortgease on the dates shown. Your own rate depends on profile, LTV and salary transfer - we confirm it free.
What the monthly figure includes — and what it does not
- Included: principal and rate on the loan, spread evenly across the term you choose.
- Not included: life cover and property insurance, which most UAE banks require and which add a modest amount on top each month.
- Not included: the one-off costs of buying — DLD transfer at 4%, agency around 2%, mortgage registration at 0.25% of the loan plus AED 290, trustee office fees, and HSBC UAE’s valuation fee of about AED 2,625.
- Not included: what happens once the fixed period ends. That reversion rate is where a cheap-looking mortgage often stops being cheap — ask us before you sign.
What HSBC UAE will need to lend you this
- Deposit: 20% on a first home up to AED 5M for expat residents, 30% above that, 15% for UAE nationals, and 40% on a second or investment property.
- Debt burden ratio: all your monthly instalments together must stay within 50% of income — the UAE-wide cap. Card limits count against you even at a zero balance.
- Term: up to 25 years, subject to age limits at maturity.
- Valuation: HSBC UAE charges about AED 2,625.
Not sure you clear the debt burden test? The DBR calculator works it out in a minute.
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HSBC mortgage overview → · UAE mortgage calculator → · All verified rates →
Same at other banks: Mashreq → · RAKBANK → · Sharjah Islamic Bank →
Compare with other UAE banks
Not sure which bank fits your profile? See current UAE mortgage rates, check your eligibility, work out your DBR or estimate your monthly payment — then we compare all of them for you, free.