EIBOR 3M 3.91% CBUAE Base 3.65% Best Islamic 3.75% Best Conventional 3.89% EIBOR 3M 3.91% CBUAE Base 3.65% Best Islamic 3.75% Best Conventional 3.89%

HSBC mortgage calculator

Run your monthly payment on HSBC's current indicative Premier rate. Change the property value, deposit and term and watch the number move.

AED 1,500,000
AED 300KAED 100M
20%
5%80%
4.05%
1.00%10.00%
25 years
5 years25 years
Figures are indicative. Use the eligibility checker to see what this looks like for your circumstances.

Your estimated payment

AED 6,367
per month
Finance amount
AED 1,200,000
Down payment
AED 300,000
Total interest
AED 710,165
Total repaid
AED 1,910,165
Check your eligibility →

HSBC mortgage rates at a glance

Indicative figures. Confirm the live rate on our current UAE mortgage rates page before you apply.

Lowest indicative fixed rate (Premier / Private)from 4.05% reducing
Rate typeConventional, fixed then variable
Reverts to3-month EIBOR (3.91%) + 1.09%, so 5.00% today
Max loan to value, first home under AED 5M80% expats, 85% nationals
Max term25 years

About an HSBC UAE mortgage

HSBC's best UAE mortgage pricing sits behind its Premier tier: you qualify with AED 350,000 in deposits or an AED 25,000+ monthly salary credited to HSBC. Meet that bar and the 4.05% Premier fixed rate is a competitive mainstream rate with fast processing (pre-approval in 3 to 5 working days) and a strong international proposition, including one of the few genuine non-resident mortgage programmes in the UAE. Miss the Premier bar and HSBC moves to 4.25% on Advance and 4.55% on Personal, less competitive than ADCB at 4.13% or FAB at 3.99%. CBUAE rules apply as everywhere: 50% debt burden ratio, 80% loan to value for an expat first home under AED 5 million, 7 times annual income. The calculator preloads the 4.05% Premier rate. Read the full HSBC mortgage guide for eligibility detail and benchmark the rate against every UAE lender on the live rates page.

HSBC mortgage questions answered

What is HSBC's UAE mortgage rate in 2026?

HSBC's indicative fixed rate for Premier and Private customers starts from 4.05% reducing. Advance is 4.25% and Personal 4.55%. After the fixed period the rate reverts to 3-month EIBOR (3.91%) plus the contracted margin. Emirates NBD holds the lowest UAE conventional rate we can source at 3.89%, so HSBC competes on relationship and international banking rather than headline price.

Who qualifies for HSBC Premier mortgage pricing?

Premier requires AED 350,000 held in deposits or investments with HSBC, or a monthly salary of AED 25,000 or more credited to an HSBC account. Without Premier you fall back to standard pricing, which is usually beaten by ADCB and FAB.

Can non-residents get an HSBC mortgage in the UAE?

Yes. HSBC runs one of the few established non-resident programmes, strongest for people who already bank with HSBC overseas. Expect a maximum loan to value of 50% to 65%, a higher minimum loan amount and pricing above resident rates. On an AED 1,200,000 loan over 25 years at 4.05%, the resident-rate payment is about AED 6,367 a month.

Payment sorted. Is HSBC actually your cheapest option?

Benchmark HSBC against products from major UAE lenders on rate, fees and eligibility.

Compare all UAE rates Check eligibility

Sources