Cast the first vote in 1 tap — pick #1 BOC Hong Kong 'First P Then H' & HIBOR Mortgage Plan or #2 HSBC HIBOR Deposit-Linked Mortgage Plan to reveal the live split:
Compare Hong Kong's leading residential HIBOR and Prime-capped mortgage plans for new purchases and refinancing in 2026—tracking H+1.30% spreads, Small-P vs. Large-P rate caps, cash rebates up to 1.15%+, 2-year lock-in periods, and 50%…
Mortgage-Link offset accounts.
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Starting order. Vote up or down to reorder this list.
| Metric | #1BOC Hong Kong 'First P Then H' & HIBOR Mortgage Plan | #2HSBC HIBOR Deposit-Linked Mortgage Plan | #3Standard Chartered HIBOR MortgageOne Plan | #4ICBC (Asia) HIBOR High-Rebate Mortgage Plan | #5Hang Seng Bank HIBOR Mortgage-Link Plan | #6CCB (Asia) HIBOR Residential Mortgage Plan | #7Bank of East Asia (BEA) HIBOR Mortgage Plan | #8Citibank Hong Kong HIBOR Smart Mortgage Plan | #9DBS Hong Kong HIBOR Home Advice Mortgage | #10Dah Sing Bank HIBOR Mortgage-Link Plan |
|---|---|---|---|---|---|---|---|---|---|---|
| Lender: Bank of China (Hong Kong) · HIBOR Spread: H + | 1.30% · Prime Rate Cap: Preferential P - 2.32% initial 2–3 yrs, auto-converting to H+1.3% (Cap P - 1.75%) · Effective… | — | — | — | — | — | — | — | — | — |
| Lender: HSBC Hong Kong · HIBOR Spread: H + | — | 1.30% · Prime Rate Cap: P - 1.75% (Small P = 5.625% / 5.0% ref; capped ~3.25%–3.875%) · Effective Cap Ceiling: 3.50% … | — | — | — | — | — | — | — | — |
| Lender: Standard Chartered Hong Kong · HIBOR Spread: H + | — | — | 1.30% · Prime Rate Cap: P - 2.00% (Large P benchmark; effective cap aligned ~3.50%) · Effective Cap Ceiling: 3.50% p.… | — | — | — | — | — | — | — |
| Lender: ICBC (Asia) · HIBOR Spread: H + | — | — | — | 1.30% · Prime Rate Cap: P - 2.00% (Large P benchmark) · Effective Cap Ceiling: 3.50% p.a. · Bank Cash Rebate: Up to 1… | — | — | — | — | — | — |
| Lender: Hang Seng Bank · HIBOR Spread: H + | — | — | — | — | 1.30% · Prime Rate Cap: P - 1.75% (Small P benchmark) · Effective Cap Ceiling: 3.50% p.a. · Bank Cash Rebate: Up to 0… | — | — | — | — | — |
Data extracted from item descriptions. Verify rates with the issuing institution.
BOC Hong Kong 'First P Then H' & HIBOR Mortgage Plan (中銀香港「先 P 後 H」及 H 按計劃) by Bank of China (Hong Kong) pairs a H+1.30% HIBOR rate with a Preferential P - 2.32% initial 2–3 yrs, auto-converting to H+1.3% (Cap P - 1.75%) cap (~3.30% effective ceiling) and up to 0.85% cash rebate.
Pros
Cons
HSBC HIBOR Deposit-Linked Mortgage Plan (滙豐 HIBOR 高息存款掛鈎按揭計劃) by HSBC Hong Kong pairs a H+1.30% HIBOR rate with a P - 1.75% (Small P = 5.625% / 5.0% ref; capped ~3.25%–3.875%) cap (~3.50% effective ceiling) and up to 0.65% cash rebate.
Pros
Cons
Standard Chartered HIBOR MortgageOne Plan (渣打 HIBOR MortgageOne 增值按揭計劃) by Standard Chartered Hong Kong pairs a H+1.30% HIBOR rate with a P - 2.00% (Large P benchmark; effective cap aligned ~3.50%) cap (~3.50% effective ceiling) and up to 0.90% cash rebate.
Pros
Cons
ICBC (Asia) HIBOR High-Rebate Mortgage Plan (工銀亞洲 HIBOR 高現金回贈按揭計劃) by ICBC (Asia) pairs a H+1.30% HIBOR rate with a P - 2.00% (Large P benchmark) cap (~3.50% effective ceiling) and up to 1.15% cash rebate.
Pros
Cons
Hang Seng Bank HIBOR Mortgage-Link Plan (恒生 HIBOR Mortgage-Link 按揭計劃) by Hang Seng Bank pairs a H+1.30% HIBOR rate with a P - 1.75% (Small P benchmark) cap (~3.50% effective ceiling) and up to 0.60% cash rebate.
Pros
Cons
CCB (Asia) HIBOR Residential Mortgage Plan (建行(亞洲) HIBOR 住宅按揭計劃) by China Construction Bank (Asia) pairs a H+1.30% HIBOR rate with a P - 2.00% (Large P benchmark) cap (~3.50% effective ceiling) and up to 1.00% cash rebate.
Pros
Cons
Bank of East Asia (BEA) HIBOR Mortgage Plan (東亞銀行 HIBOR 按揭計劃) by Bank of East Asia (BEA) pairs a H+1.30% HIBOR rate with a P - 2.00% (Large P benchmark) cap (~3.50% effective ceiling) and up to 0.95% cash rebate.
Pros
Cons
Citibank Hong Kong HIBOR Smart Mortgage Plan (花旗香港 HIBOR 智選按揭計劃) by Citibank Hong Kong pairs a H+1.30% HIBOR rate with a P - 2.00% (Large P benchmark) cap (~3.50% effective ceiling) and up to 0.80% cash rebate.
Pros
Cons
DBS Hong Kong HIBOR Home Advice Mortgage (星展香港 HIBOR 定息/H按置業計劃) by DBS Bank (Hong Kong) pairs a H+1.30% HIBOR rate with a P - 2.00% (Large P benchmark) cap (~3.50% effective ceiling) and up to 0.75% cash rebate.
Pros
Cons
Dah Sing Bank HIBOR Mortgage-Link Plan (大新銀行 HIBOR 按揭掛鈎計劃) by Dah Sing Bank pairs a H+1.35% HIBOR rate with a P - 1.95% (Large P benchmark) cap (~3.55% effective ceiling) and up to 0.85% cash rebate.
Pros
Cons
BOC contender · Community Ranked #1
HSBC contender · Community Ranked #2
Standard Chartered contender · Community Ranked #3
ICBC (Asia) contender · Community Ranked #4
Hang Seng contender · Community Ranked #5
Illustrative estimates based on published card, policy, or checkup plan tiers; verify current provider terms before applying. Rankings are driven by primary research and community votes—never commission.
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