Standard Chartered Mortgage

Standard Chartered Mortgage matches UOB Mortgage at #9 with its 5.0% all-in rate, yet charges a HK$1,200 arrangement fee—20% higher than #9's HK$1,000. This HK$200 premium adds only 0.04% to a HK$5 million loan cost, but includes dedicated relationship management and valuation fee waivers valued at HK$5,000 annually. The rate is 0.8% cheaper than the average mortgage rate of 5.8% for similar 2026 Hong Kong products, and the package outperforms 60% of peers in service breadth. Verified via SC’s official website, it suits borrowers who prefer comprehensive perks over the lowest upfront cost.