#7
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. Verified April 2026, OCBC official website.
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