Mizuho Mortgage

Mizuho Mortgage offers Mid-tier borrowers the best deal with an all-in rate of 4.9% (Prime minus 0.6%). It is 0.3 percentage points cheaper than the average Hong Kong mortgage of 5.2% in early 2026. Critically, its fully waived arrangement fee saves borrowers HK$800 compared to Citi Mortgage (#6), which charges a similar rate. Integrated banking streamlines repayment, though the rate is fixed for only one year. Verified April 2026, this data is confirmed on Mizuho's website.