OCBC 2-Year Fixed

OCBC's 2-Year Fixed delivers competitive rates with a 2-year lock at 3.75% and a subsequent floating rate of P-0.65% (4.85% effective). The floating spread is 0.05% lower than Citi's 2-Year Fixed vs Float (#6), saving HK$1,500 annually on a HK$5 million mortgage. This makes it cheaper than #6 over the full loan period, which spans up to 30 years, providing HK$45,000 in long-term savings. Verified April 2026, OCBC official website.