What is the difference between HIBOR-based and Prime-based home loans in Hong Kong?

HIBOR-based loans fluctuate with interbank rates, often offering lower initial rates but higher volatility, while Prime-based loans are tied to banks' prime lending rate and provide more stable payments, though potentially at a higher cost over time.

How can I get the best home loan interest rate in Hong Kong?

Compare offers from multiple banks, negotiate with your existing bank, consider a larger down payment or shorter loan tenure, and check if you qualify for special programs such as green mortgages or professional schemes.

Is it better to choose a fixed or floating rate mortgage in Hong Kong?

Fixed rates offer payment certainty for an initial period (typically 1–5 years), while floating rates may start lower but can rise if interest rates increase; your choice depends on your risk tolerance and expectations for future rate movements.

What is the current average home loan interest rate in Hong Kong for 2026?

As of early 2026, average mortgage rates in Hong Kong range from approximately 3.5% to 4.5% per annum, though actual rates vary based on the loan amount, loan-to-value ratio, borrower profile, and whether the loan is HIBOR-based or Prime-based.

Are there any fees associated with home loans in Hong Kong?

Yes, common fees include application fees, legal fees, valuation fees, and early repayment penalties; always evaluate the total cost including interest and all charges when comparing loans.

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

0
#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.
Details →
0
#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.
Details →
0
#3
OCBC Mortgage
Prime minus 0.65% (all-in 4.85%). Competitive rates, fee waived. Verified April 2026, OCBC official website.
Details →
0
#4
Hang Seng Mortgage
Prime minus 0.55% (all-in 4.95%). Arrangement fee HK$600. Verified April 2026, Hang Seng official website.
Details →
0
#5
Mizuho Mortgage
Prime minus 0.6% (all-in 4.9%). Fee waived. Integrated banking services. Verified April 2026, Mizuho official website.
Details →
0
#6
Citi Mortgage
Prime minus 0.6% (all-in 4.9%). Arrangement fee HK$800. Verified April 2026, Citi official website.
Details →
0
#7
DBS Mortgage
Prime minus 0.5% (all-in 5.0%). Fee waived for qualifying customers. Verified April 2026, DBS official website.
Details →
0
#8
HSBC Mortgage
Prime minus 0.5% (all-in 5.0%). Arrangement fee HK$500. Strong support services. Verified April 2026, HSBC official website.
Details →
0
#9
UOB Mortgage
Prime minus 0.5% (all-in 5.0%). Arrangement fee HK$1,000. Verified April 2026, UOB official website.
Details →
0
#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.
Details →

0
#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.
Details →
0
#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.
Details →
0
#3
OCBC Mortgage
Prime minus 0.65% (all-in 4.85%). Competitive rates, fee waived. Verified April 2026, OCBC official website.
Details →
0
#4
Hang Seng Mortgage
Prime minus 0.55% (all-in 4.95%). Arrangement fee HK$600. Verified April 2026, Hang Seng official website.
Details →
0
#5
Mizuho Mortgage
Prime minus 0.6% (all-in 4.9%). Fee waived. Integrated banking services. Verified April 2026, Mizuho official website.
Details →
0
#6
Citi Mortgage
Prime minus 0.6% (all-in 4.9%). Arrangement fee HK$800. Verified April 2026, Citi official website.
Details →
0
#7
DBS Mortgage
Prime minus 0.5% (all-in 5.0%). Fee waived for qualifying customers. Verified April 2026, DBS official website.
Details →
0
#8
HSBC Mortgage
Prime minus 0.5% (all-in 5.0%). Arrangement fee HK$500. Strong support services. Verified April 2026, HSBC official website.
Details →
0
#9
UOB Mortgage
Prime minus 0.5% (all-in 5.0%). Arrangement fee HK$1,000. Verified April 2026, UOB official website.
Details →
0
#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.
Details →

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0
#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.
Details →
0
#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.
Details →
0
#3
OCBC Mortgage
Prime minus 0.65% (all-in 4.85%). Competitive rates, fee waived. Verified April 2026, OCBC official website.
Details →
0
#4
Hang Seng Mortgage
Prime minus 0.55% (all-in 4.95%). Arrangement fee HK$600. Verified April 2026, Hang Seng official website.
Details →
0
#5
Mizuho Mortgage
Prime minus 0.6% (all-in 4.9%). Fee waived. Integrated banking services. Verified April 2026, Mizuho official website.
Details →
0
#6
Citi Mortgage
Prime minus 0.6% (all-in 4.9%). Arrangement fee HK$800. Verified April 2026, Citi official website.
Details →
0
#7
DBS Mortgage
Prime minus 0.5% (all-in 5.0%). Fee waived for qualifying customers. Verified April 2026, DBS official website.
Details →
0
#8
HSBC Mortgage
Prime minus 0.5% (all-in 5.0%). Arrangement fee HK$500. Strong support services. Verified April 2026, HSBC official website.
Details →
0
#9
UOB Mortgage
Prime minus 0.5% (all-in 5.0%). Arrangement fee HK$1,000. Verified April 2026, UOB official website.
Details →
0
#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.
Details →

Tags

Current Rankings

Bank of East Asia Mortgage

Bank of China Mortgage

OCBC Mortgage

Hang Seng Mortgage

Mizuho Mortgage

Citi Mortgage

DBS Mortgage

HSBC Mortgage

UOB Mortgage

Standard Chartered Mortgage

Current Rankings

Bank of East Asia Mortgage

Bank of China Mortgage

OCBC Mortgage

Hang Seng Mortgage

Mizuho Mortgage

Citi Mortgage

DBS Mortgage

HSBC Mortgage

UOB Mortgage

Standard Chartered Mortgage

Get the weekly finance rundown

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Current Rankings

Bank of East Asia Mortgage

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Citi Mortgage

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