Applicable Interest Rates for HSBC Smart Home Mortgage Loan /HSBC Smart Investment Mortgage Loan
The Hongkong and Shanghai Banking Corporation Limited
As of 02 September 2024
The followings are the Applicable Interest Rates for the HSBC Mortgage Loans under the Mortgage LoanAgreement (Revised version as of 1 November, 2010).

＝ HSBC Smart Home Mortgage Loan
• Balance Offset Type

Daily Floating Interest Rate

＝Base
Interest Rate

Initial Loan AmountOver 50 million yen(per annum)
Initial Loan AmountUp to 50 million yen

2.500％

2.500％

2.950％(Same as Base Interest Rate)(Base Interest Rate + 0.450%)(Difference from Base Interest Rate)※ For the Balance Offset Type, only the Daily Floating Interest Rate is available. Fixed Interest Rates are notoffered.
※ The amount of monthly interest payment for the Balance Offset Type will vary depending on the balance of theyen savings account designated for the Balance Offset calculation. The repayment amount may varysignificantly depending on the Applicable Interest Rate and the customer's savings plan. Please ensure toconfirm the estimate of repayment amount at the Tokyo branch of HSBC .
• Regular TypeBaseInterest Rate

Initial Loan AmountOver 50 million yen(per annum)
Initial Loan AmountUp to 50 million yen

Daily Floating Interest Rate

2.500％

0.900％

1.250％

Fixed Interest Rate (6 Months)

2.974%

1.374%

1.724%

Fixed Interest Rate (3 Years)

3.408%

1.808%

2.158%

Fixed Interest Rate (5 Years)

3.533%

1.933%

2.283%(Base Interest Rate – 1.600%)(Base Interest Rate – 1.250%)

Initial Loan AmountOver 50 million yen(per annum)
Initial Loan AmountUp to 50 million yen

2.300％

2.500％(Difference from Base Interest Rate)＝

HSBC Smart Investment Mortgage ＝
BaseInterest Rate
2.500％Daily Floating Interest Rate
Fixed Interest Rate (6 Months)

2.974%

2.774%

2.974%

Fixed Interest Rate (3 Years)

3.408%

3.208%

3.408%

Fixed Interest Rate (5 Years)

3.533%

3.333%

3.533%(Base Interest Rate – 0.200%)(Same as Base Interest Rate )(Difference from Base Interest Rate)※ For the HSBC Smart Investment Mortgage Loan, the Balance Offset type is not offered.
(Please ensure to read the back of this page.)＝

Applicable Interest Rates

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Applicable Interest Rates for HSBC Smart Home Mortgage Loan / HSBC Smart Investment Mortgage LoanPUBLIC- 1

◆ The Bank will determine the Base Interest Rate for the Daily Floating Interest Rate as the daily rate and theBase Interest Rate for the Fixed Interest Rate as the rate for the period corresponding to the applicable “FixedPeriod”, during which such Applicable Interest Rate will be fixed.
◆ When the Base Interest Rate is changed during the Loan Period, the Applicable Interest Rate will be changed
correspondingly. However, the Applicable Interest Rate for the Fixed Interest Rate will not be changed during
the Fixed Period.
◆ When a new Fixed Period begins during the Loan Period or when the Applicable Interest Rate is changed during
the Loan Period pursuant to the Mortgage Loan Agreement, the Applicable Interest Rate as at the time of suchchange will be applied.

＝

About the fees related to the Mortgage Loan＝

◆ Upon prepayment, a prepayment fee prescribed by the Bank will be charged.
◆ Translation fee, fee for change in the Applicable Interest Rate, fee for change to Balance Offset Type, etc. will
be charged separately, depending on the individual transactions.
※ Please inquire about details of the fees related to the Mortgage Loan.

＝

The amount equivalent to the premium for the Group Credit Life Insurance＝As of January, 2024
Group Credit Life Insurance
JPY 575 per JPY 1 Million of the outstanding balance of the Mortgage Loan
(before contractual repayment) as of the 26th day of each month
The amount will be determined based on the rate prescribed by Cardif Assurance Vie Japan, the insurance
underwriter. The amount is changed yearly from the premium payment in January of each year. (The Mortgage
Loan balance less than JPY 1 Million will also be included for the calculation of the amount equivalent to thepremium).

Please read carefully.
◆ The Daily Floating Interest Rate is changed from time to time.
◆ The Fixed Interest Rate is subject to change in the same month due to drastic fluctuations in the market interestrate.
◆ The interest rate during the Loan Period will change according to the provisions of the agreement.
◆ For more details about the respective Mortgage Loans, please visit the Tokyo Branch of HSBC and/or pleaserefer to the Bank's Website (http://www.hsbc.co.jp/1/2/)

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Applicable Interest Rates for HSBC Smart Home Mortgage Loan / HSBC Smart Investment Mortgage Loan

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