Hang Seng Mortgage

Hang Seng Mortgage provides a reliable all-in rate of 4.95% (Prime minus 0.55%), which is 0.15% higher than the top-ranked Bank of East Asia Mortgage. Although its arrangement fee of HK$600 is 100% more than Bank of East Asia's fee-free option, it remains below the Hong Kong industry average of HK$800. For a HK$2 million loan, this rate saves approximately HK$2,400 per year versus the standard market rate of 5.2%, and is 0.1% cheaper than the average competitor at 5.05%. Verified via Hang Seng's official website.