#4
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. Verified April 2026 on Hang Seng's official website.
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