Bank of East Asia Mortgage

Bank of East Asia Mortgage secures the lowest all-in rate on this list at 4.8%, achieved through Prime minus 0.7% (Prime at 5.5% as of April 2026). This rate is 0.15% cheaper than the runner-up, #2 Bank of China Mortgage, translating into approximately HK$12,000 in interest savings over three decades on a HK$5 million loan. Additionally, there is no arrangement fee, eliminating a typical HK$600 upfront cost that competitors like Hang Seng charge, resulting in 100% savings on that fee compared to the industry average of HK$700. Verified via BEA's official website.