---
title: "HSBC is rumored to raise the mortgage rebate to 1% for loans of at least 10 million. Analysts expect Hong Kong banks to \"start off well\" at the beginning of the year"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/272040255.md"
description: "HSBC will raise the mortgage rebate to 1%, with a minimum loan amount of HKD 10 million, and requires the establishment of a wealth management account and is limited to first-hand properties. Market analysis suggests that at the beginning of the year, banks hope to attract customers and expect that the U.S. may cut interest rates, with room for a decline in interbank rates, and property prices have initially bottomed out. Other banks such as Bank of China and Standard Chartered are also considering offering similar rebates, but need to observe market and economic factors"
datetime: "2026-01-09T07:55:38.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/272040255.md)
  - [en](https://longbridge.com/en/news/272040255.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/272040255.md)
---

> Supported Languages: [简体中文](https://longbridge.com/zh-CN/news/272040255.md) | [繁體中文](https://longbridge.com/zh-HK/news/272040255.md)


# HSBC is rumored to raise the mortgage rebate to 1% for loans of at least 10 million. Analysts expect Hong Kong banks to "start off well" at the beginning of the year

It is rumored that HSBC has raised its mortgage rebate from the original approximately 0.7% to 1%, but it requires meeting multiple conditions, including a loan amount of no less than 10 million yuan, the establishment of a wealth management account, and limited to first-hand properties.

Market news indicates that, in addition to HSBC, Bank of China and Standard Chartered also granted a maximum cash rebate of 1% depending on customer quality last month. Earlier, some small and medium-sized banks also offered a 1% mortgage rebate, targeting large mortgages and higher-quality customers.

Regarding the rumored increase in mortgage rebates by major banks, Cao Deming, Chief Vice President of Jingluo Mortgage Referral, believes that at the beginning of the year, banks hoped to "start off well" and anticipated that there would still be opportunities for interest rate cuts in the U.S., with interbank rates likely to decline and initial signs of slight recovery in property prices. As for whether mortgage rebates will be further increased, he pointed out that external economic factors remain volatile, and it is necessary to observe the banks' willingness to continue competing for mortgage business, "last year many small and medium-sized banks stopped after a round of competition."

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