Hang Seng 1-Year Fixed

Hang Seng's 1-Year Fixed offers the shortest lock-in period at 3.55% fixed for just one year, then adjusting to P-0.55% (4.95%). This rate is 20 basis points cheaper than the average initial fixed offering on this list, making it an excellent entry point for those expecting swift rate declines. Additionally, its post-fixed spread is 0.05% lower than #3 BOC's terminal rate, providing a slight advantage after the first year. Verified April 2026 on Hang Seng's official website.