#9
UOB Mortgage
Its all-in interest rate of 5.0% (Prime minus 0.5%) sits 0.3% below the average rate of 5.3% across Hong Kong lenders in April 2026. Verified via UOB’s official website, this plan cuts entry fees to just 0.02% of the loan amount, outperforming the average 0.04% among rivals.
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