Mizuho 3-Year Fixed

Mizuho's 3-Year Fixed delivers medium-term security with a 3.8% fixed rate for three years, then reverting to P-0.6% (4.9% effective). This initial rate is 0.1% lower than Bank of East Asia's 3-Year Fixed (#8), saving HK$5,000 annually on a HK$5 million mortgage during the fixed period. Total savings over three years amount to HK$15,000, making it 0.1% cheaper per year than #8 for borrowers prioritizing upfront savings. Verified April 2026 via Mizuho's official website.