Bank of China Mortgage

Bank of China Mortgage offers a compelling all-in rate of 4.85% (Prime minus 0.65%), outperforming Hang Seng Mortgage by 0.1%. For loans of HK$1 million or more, arrangement fees are fully waived, saving borrowers at least HK$600 compared to fee-charging options. On a HK$3 million loan, this rate yields over HK$5,000 in annual interest savings versus the average Hong Kong mortgage rate of 5.0%, and is 0.05% cheaper than the typical rival at 4.9%. Verified via BOC's official website.