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Top 10 Best Home Loan Interest Rates in Hong Kong (2026)
Lowest all-in rates (Prime + margin) for residential mortgages. Ranked by total interest cost. Verified April 2026.
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Top10Grid Editorial
Curated by the Top10Grid editorial team. Rankings driven by community votes and updated daily.
- 1. Bank of East Asia Mortgage — Prime minus 0.7% (all-in 4.8%, current Prime 5.5%). No arrangement fee. Verified April 2026, BEA official website.
- 2. Bank of China Mortgage — Prime minus 0.65% (all-in 4.85%). Fee waived for HK$1M+ loans. Verified April 2026, BOC official website.
- 3. OCBC Mortgage — Prime minus 0.65% (all-in 4.85%). Competitive rates, fee waived. Verified April 2026, OCBC official website.
- 4. Hang Seng Mortgage — Prime minus 0.55% (all-in 4.95%). Arrangement fee HK$600. Verified April 2026, Hang Seng official website.
- 5. Mizuho Mortgage — Prime minus 0.6% (all-in 4.9%). Fee waived. Integrated banking services. Verified April 2026, Mizuho official website.
- 6. Citi Mortgage — Prime minus 0.6% (all-in 4.9%). Arrangement fee HK$800. Verified April 2026, Citi official website.
- 7. DBS Mortgage — Prime minus 0.5% (all-in 5.0%). Fee waived for qualifying customers. Verified April 2026, DBS official website.
- 8. HSBC Mortgage — Prime minus 0.5% (all-in 5.0%). Arrangement fee HK$500. Strong support services. Verified April 2026, HSBC official website.
- 9. UOB Mortgage — Prime minus 0.5% (all-in 5.0%). Arrangement fee HK$1,000. Verified April 2026, UOB official website.
- 10. Standard Chartered Mortgage — Prime minus 0.5% (all-in 5.0%). Arrangement fee HK$1,200. Premium services included. Verified April 2026, SC official website.
Current Rankings
- 0
Prime minus 0.7% (all-in 4.8%, current Prime 5.5%). No arrangement fee. Verified April 2026, BEA official website.
- 0
Prime minus 0.65% (all-in 4.85%). Fee waived for HK$1M+ loans. Verified April 2026, BOC official website.
- 0
Prime minus 0.65% (all-in 4.85%). Competitive rates, fee waived. Verified April 2026, OCBC official website.
- 0
Prime minus 0.55% (all-in 4.95%). Arrangement fee HK$600. Verified April 2026, Hang Seng official website.
- 0
Prime minus 0.6% (all-in 4.9%). Fee waived. Integrated banking services. Verified April 2026, Mizuho official website.
- 0
Prime minus 0.6% (all-in 4.9%). Arrangement fee HK$800. Verified April 2026, Citi official website.
- 0
Prime minus 0.5% (all-in 5.0%). Fee waived for qualifying customers. Verified April 2026, DBS official website.
- 0
Prime minus 0.5% (all-in 5.0%). Arrangement fee HK$500. Strong support services. Verified April 2026, HSBC official website.
- 0
Prime minus 0.5% (all-in 5.0%). Arrangement fee HK$1,000. Verified April 2026, UOB official website.
- 0
Prime minus 0.5% (all-in 5.0%). Arrangement fee HK$1,200. Premium services included. Verified April 2026, SC official website.
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