Top 10 Best Home Loan Interest Rates in Hong Kong (2026)

## Home Loan Interest Rates in Hong Kong — Frequently Asked Questions

What does "all-in rate" mean on this list? The all-in rate is the effective interest rate you actually pay, calculated as the bank's Prime rate minus a margin. For example, if Prime is 5.5% and the margin is -0.6%, the all-in rate is 4.9%. This is the figure to compare across lenders.

Why do arrangement fees matter? Arrangement fees (often HK$800–HK$2,000) are upfront charges added to the loan. On a HK$5 million mortgage, an HK$800 fee adds roughly 0.02–0.04% to the true cost of borrowing, so a slightly higher rate with a low fee can still be competitive.

How often are these rates updated? Hong Kong mortgage rates move with the Prime rate, which banks revise when HIBOR or the Hong Kong Monetary Authority signals change. Check the "last updated" date on each entry before applying.

Should I pick the lowest rate or the lowest all-in cost? Look at the all-in rate plus the arrangement fee together, and also consider cashback offers, repayment flexibility, and whether the rate is fixed or floating. The cheapest headline rate is not always the cheapest mortgage over 20–30 years.

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## Home Loan Interest Rates in Hong Kong — Frequently Asked Questions

What does "all-in rate" mean here? It is the headline rate a borrower actually pays, expressed as the Hong Kong Prime rate plus (or minus) the bank's margin. A lender quoted at "Prime minus 0.5%" with a Prime of 5.5% has an all-in rate of 5.0%.

Why do arrangement fees matter? An arrangement fee is an upfront charge that does not change your interest rate but increases the total cost of the loan over its term. When two lenders offer the same all-in rate, the one with the lower (or zero) arrangement fee is usually cheaper overall.

How often do these rates change? Most Hong Kong mortgage rates are quoted as Prime plus a margin, so they move whenever the Prime rate changes. Banks can also revise their margins at any time.

How should I use this list? Compare the all-in rate first, then check the arrangement fee, then look at any conditions attached to the offer (lock-in period, minimum loan size, property type).