HSBC Mortgage

HSBC Mortgage provides a sturdy all-in rate of 5.0% (Prime minus 0.5%), supported by excellent customer service and a wide branch network. This rate matches DBS Mortgage (#7) but lags behind the 4.9% offered by Mizuho (#5) and Citi (#6). A modest HK$500 arrangement fee applies—unlike Mizuho's fully waived option—but HSBC's digital tools and convenience offset this. At 0.2 percentage points below the 5.2% market average, it suits traditional borrowers. Verified April 2026.