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Smart Mortgage

Your income, savings and loan – all rolled into one.

The Smart Mortgage offers flexibility to your lending and savings. Any additional funds that you pay into the Smart Account allows you to pay less for your mortgage or pay it quicker.

Why choose Smart Mortgage?

  • Additional funds paid into Smart Account reduces interest charge on your mortgage loan
  • Withdraw funds from your Smart Account at any time
  • No minimum balance required
  • Receive up to VND10Million cash-back

How it works

Daily end balance to calculate interest of the mortgage will be netted off against 50% of Smart Mortgage Account balance prior to interest calculation, which will lower the interest payment for the customer.

Introductory offer

Until 29 Jul 2022, you can enjoy cashback(*) up to VND10 million when choosing HSBC Smart Mortgage service. HSBC hope that the cash-back promotion will support your financial planning effectively.

(*) Please refer to Terms and Conditions attached.

Reference rates and fees

Home Mortgage Loan fixed rates

After the Fixed Period, Variable Rate will be applied

Fixed Period
Premier customers
Corporate Employee  maintain salary account with HSBC
Other customers
06 months 6.20% p.a
6.25% p.a
6.70% p.a
12 months 6.50% p.a
6.55% p.a
7.00% p.a
24 months 7.00% p.a
7.05% p.a
7.50% p.a
36 months 7.40% p.a
7.45% p.a
7.90% p.a
48 months 8.00% p.a
8.05% p.a
8.50% p.a
60 months 9.74% p.a
9.79% p.a
10.24% p.a

After the Fixed Period, Variable Rate will be applied

Fixed Period
06 months
Premier customers
6.20% p.a
Corporate Employee  maintain salary account with HSBC
6.25% p.a
Other customers
6.70% p.a
Fixed Period
12 months
Premier customers
6.50% p.a
Corporate Employee  maintain salary account with HSBC
6.55% p.a
Other customers
7.00% p.a
Fixed Period
24 months
Premier customers
7.00% p.a
Corporate Employee  maintain salary account with HSBC
7.05% p.a
Other customers
7.50% p.a
Fixed Period
36 months
Premier customers
7.40% p.a
Corporate Employee  maintain salary account with HSBC
7.45% p.a
Other customers
7.90% p.a
Fixed Period
48 months
Premier customers
8.00% p.a
Corporate Employee  maintain salary account with HSBC
8.05% p.a
Other customers
8.50% p.a
Fixed Period
60 months
Premier customers
9.74% p.a
Corporate Employee  maintain salary account with HSBC
9.79% p.a
Other customers
10.24% p.a

After the Fixed Period, Variable Rate will be applied

Things you should know

How to apply

Please make sure you've read the information under Things you should know section

Apply by phone

Call us on

(84 28) 37 247 247(the South) 

(84 24) 62 707 707 (the North)

Lines are open 8am to 10pm daily.

Frequently asked questions

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