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Top 10 Best Fixed vs Floating Rate Mortgage Options in Hong Kong
Compare fixed-rate economics vs prime-based floating. Ranked by rate comparison and economics. Verified April 2026.
Location: HK20267 views
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Compare fixed-rate economics vs prime-based floating. Ranked by rate comparison and economics. Verified April 2026.
Curated by the Top10Grid editorial team. Rankings driven by community votes and updated daily.
2yr fixed @ 3.75%, then P-0.5% (5.0%). Break-even in 18 months. Rate lock benefit. Verified April 2026, HSBC official website.
3yr fixed @ 3.85%, then P-0.5% (5.0%). Medium-term stability. Verified April 2026, DBS official website.
2yr fixed @ 3.65%, then P-0.65% (4.85%). Lowest fixed entry rate. Verified April 2026, BOC official website.
1yr fixed @ 3.55%, then P-0.55% (4.95%). Short-term lock-in option. Verified April 2026, Hang Seng official website.
3yr fixed @ 3.8%, then P-0.6% (4.9%). Good medium-term protection. Verified April 2026, Mizuho official website.
2yr fixed @ 3.7%, then P-0.6% (4.9%). Balanced option. Verified April 2026, Citi official website.
2yr fixed @ 3.75%, then P-0.65% (4.85%). Competitive rates across term. Verified April 2026, OCBC official website.
3yr fixed @ 3.9%, then P-0.7% (4.8%). Longest rate lock available. Verified April 2026, BEA official website.
Prime minus 0.5% (5.0%). No fixed option available. Pure floating strategy. Verified April 2026, UOB official website.
Fixed @ 3.95%, then P-0.5% (5.0%). Highest fixed rate but maximum margin discount. Verified April 2026, SC official website.
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2yr fixed @ 3.75%, then P-0.5% (5.0%). Break-even in 18 months. Rate lock benefit. Verified April 2026, HSBC official website.
3yr fixed @ 3.85%, then P-0.5% (5.0%). Medium-term stability. Verified April 2026, DBS official website.
2yr fixed @ 3.65%, then P-0.65% (4.85%). Lowest fixed entry rate. Verified April 2026, BOC official website.
1yr fixed @ 3.55%, then P-0.55% (4.95%). Short-term lock-in option. Verified April 2026, Hang Seng official website.
3yr fixed @ 3.8%, then P-0.6% (4.9%). Good medium-term protection. Verified April 2026, Mizuho official website.
2yr fixed @ 3.7%, then P-0.6% (4.9%). Balanced option. Verified April 2026, Citi official website.
2yr fixed @ 3.75%, then P-0.65% (4.85%). Competitive rates across term. Verified April 2026, OCBC official website.
3yr fixed @ 3.9%, then P-0.7% (4.8%). Longest rate lock available. Verified April 2026, BEA official website.
Prime minus 0.5% (5.0%). No fixed option available. Pure floating strategy. Verified April 2026, UOB official website.
Fixed @ 3.95%, then P-0.5% (5.0%). Highest fixed rate but maximum margin discount. Verified April 2026, SC official website.
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