HSBC raises fixed home loan rates from 14 October 2026: one-year from 4.29%, five-year 5.75%
HSBC has raised its fixed home loan rates, effective 14 October 2026, for new home loans and balance transfers. For resident Private and Premier customers, and Advance customers earning AED 30,000 a month or more, fixed rates now start at 4.29% for one year and reach 5.75% for five years. The margin after a three- or five-year fixed period is cut to 1.49%.
The new fixed rates
| Customer segment | 1-year fixed | 2-year fixed | 3-year fixed | 5-year fixed |
|---|---|---|---|---|
| Resident Private and Premier; Advance earning AED 30,000+ a month | 4.29% | 4.49% | 4.89% | 5.75% |
| Resident Advance earning under AED 30,000 a month | 4.54% | 4.74% | 5.14% | 6.00% |
| Resident Personal Banking | 4.79% | 4.99% | 5.39% | 6.25% |
| Non-resident Private and Premier | 4.79% | 4.99% | 5.39% | 6.25% |
For resident Private and Premier customers that is a rise of 0.24% on the one-year rate (from 4.05%), 0.30% on two years (from 4.19%), 0.50% on three years (from 4.39%) and 0.70% on five years (from 5.05%).
Pricing effective 14 October 2026 for new home loan and balance transfer applications. HSBC’s eligibility assessment and offer letter control.
After the fixed period
When the fixed period ends the loan moves to HSBC’s GoTo margin: 1.09% after a one-year fix, 1.29% after two years, and 1.49% after three or five years, down 0.20% on the three- and five-year terms. Variable-rate margins are unchanged: 0.99% for resident Private and Premier customers and resident Advance customers earning AED 30,000 or more, 1.17% for resident Advance customers earning less, 1.62% for resident Personal Banking and 1.24% for non-resident Private and Premier customers, over 3-month EIBOR, which HSBC applies at 4.34274% for 1 October to 31 December 2026 (refreshed on 1 January 2027).
Who keeps the earlier rates
- Active final offer letters are honoured at their pricing within their validity period.
- Cases where the valuation fee was paid by close of business on 16 October 2026 and final approval is received by 23 October 2026 keep the earlier rates.
Other terms in the pricing
- Top-ups price 0.25% above the standard rate for the customer’s segment.
- Existing Premier-funded customers (not HSBC staff) maintaining a total relationship balance of AED 500,000 or more are eligible for 0.10% off.
- UAE nationals are eligible for the Premier segment rate under HSBC’s Emirati proposition.
What this means if you are comparing banks
Against our September pricing, HSBC’s one-year rate moves from 4.05% to 4.29% and its five-year rate from 5.05% to 5.75%, while the margin after a three- or five-year fix is 0.20% lower than before. Which segment you fall into decides the rate, so we confirm it with HSBC before you apply. Mortgease compares HSBC with the rest of our panel of 18+ UAE banks and works out the cost for your case before anything is submitted.
See the HSBC mortgage guide, use the HSBC calculator, or review the latest UAE mortgage rates.