OCBC Mortgage

OCBC Mortgage matches the all-in rate of 4.85% (Prime minus 0.65%), tying with #2 Bank of China Mortgage, yet uniquely offers full fee waivers on all loan amounts. This eliminates the HK$600 arrangement fee that rivals like Hang Seng still charge on smaller loans, reducing upfront costs by 100% relative to fee-charging competitors. For borrowers with loans under HK$1 million, this makes it 0.1% more cost-effective than the average fee-inclusive option at 4.95%. Verified via OCBC's official website.