Bank of East Asia 3-Year Fixed

Bank of East Asia's 3-Year Fixed offers the longest rate lock in this category at 3.9% for three full years, then switching to P-0.7% (4.8% floating). Despite a 0.1% higher initial rate than Mizuho's 3-Year Fixed (#5), its 4.8% floating rate is the lowest among all post-lock adjustments, reducing monthly payments by HK$250 on average compared to the category average. This combination provides optimal long-term protection, saving HK$9,000 over a three-year floating period. Verified April 2026, BEA official website.