DBS Mortgage

DBS Mortgage offers a competitive all-in rate of 5.0% (Prime minus 0.5%), with fees waived for qualifying customers. This rate is 0.1 percentage points higher than the top-tier 4.9% from Mizuho Mortgage (#5) and Citi Mortgage (#6), but still 0.2 percentage points cheaper than the typical 5.2% Hong Kong average. Integrated banking perks like preferential savings rates add value, making it a strong runner-up for eligible borrowers. Verified April 2026, DBS's reliability underpins its appeal.