just hearing the name HSBC makes me say eweweeeeeeeewww. then bad words..... my home loan in USA was sold to them. Banks trade notes all the time with other banks for their own reasons. I had nothing but problems regarding new "fees" as soon as they claim to have notified me my loan is now with them. Nothing but problems with them until i had to re-finance my loan just to get away from that company!!!

Stay away from HSBC offers!!!