Here's the eligibility criteria for HSBC Smart Loan Against Property (LAP) in India:

Income:

• Minimum net income of INR 5 lakh per annum for salaried individuals.

• Minimum net income of INR 7.5 lakh per annum for self-employed individuals.

Age:

• Minimum age at application: 21 years.

• Maximum age at loan maturity:58 years for salaried applicants.
  60 years for public limited/government employees.
  65 years for self-employed applicants.
  

Other important criteria:

• Applicants must be Indian residents or citizens.

• Applicants must be employed or self-employed with stable income.

• A good CIBIL score (ideally above 700) is generally required.

• Minimum loan amount is INR 3 lakh.

• Maximum loan amount varies based on factors like income, property value, and location.

• LTV (Loan-to-Value) ratio typically ranges from 75% to 90% of the property's appraised value.

Property related criteria:

• The property must be residential, fully constructed, and freehold.

• The property should be located in an approved city/town by HSBC.

• The minimum market value of the property varies based on the city/town:INR 25 lakh for Mumbai and Delhi.
  INR 15 lakh for all other sourcing cities.
  

Please note:

• Meeting the eligibility criteria doesn't guarantee loan approval. Other factors like your overall financial profile, property details, and repayment history also play a role in the final decision.

• This information is general and may vary depending on specific circumstances.