HSBC. The lowest first home loan interest rate is HSBC, which can reach 5.05%. There are many companies with second-home loan interest rates of 5.4%, such as China CITIC Bank, Everbright Bank, Shanghai Pudong Development Bank, Hengfeng Bank, Industrial Bank, etc. There are also banks whose second-home loan interest rates are still 5.6%, such as Industrial and Commercial Bank of China, Hua Xia Bank, and Qingdao Bank, and HSBC’s second-home loan interest rate is as low as 5.3%. The above is the bank’s “unified approach” to the outside world. In the actual implementation process , there is still room for adjustment.