#1
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). Additionally, there is no arrangement fee, eliminating a typical HK$600 upfront cost that competitors like Hang Seng charge. Verified via BEA's official website.
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