UOB Floating Only

UOB Floating Only delivers the most aggressive pure floating strategy in Hong Kong, with a prime-minus-0.5% rate currently at 5.0% as verified on their official website in April 2026. This beats the average Hong Kong floating mortgage by 0.3%, outperforming #2's typical prime-minus-0.2% offering. On a HK$5 million loan, you save HK$150 monthly compared to Standard Chartered Fixed Lock, though you accept full rate volatility without a conversion fee.