UOB Mortgage

UOB Mortgage delivers the lowest arrangement fee on this list: just HK$1,000, which is 17% cheaper than Standard Chartered Mortgage at #10. 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. On a 25-year HK$5 million loan, the upfront HK$200 savings reduces initial costs by 20% versus #10, translating to HK$0.04 per HK$1,000 borrowed. 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.