#3
OCBC Mortgage
OCBC Mortgage matches the all-in rate of 4.85% (Prime minus 0.65%), tying with 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. Verified via OCBC's official website.
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