Compare Home Loans / Mortgages in Hong Kong

Compare the total cost over the initial fixed period including all fees, not just the headline rate — a lower rate with high arrangement fees often costs more over two years.

Compare the top 16 Hong Kong home loans / mortgages providers, with rates from 1.25% initial. Data current as of 23 October 2026 and updated daily from the Giraffy database.

Live offers

20 live offers compared from 16 providers, from 1.25% initial. Updated daily.

Nanyang Commercial Mortgage Mortgage Nanyang Commercial Mortgage

1.25% initial

  • Interest Rate: H+1.25%
  • Rate Type: Fixed 3yr then variable
  • Max LTV: 60%
  • Max Term: 25 years

HSBC Hong Kong Mortgage HSBC Hong Kong

1.25% initial

  • Interest Rate: H+1.25%
  • Rate Type: Fixed 3yr then variable
  • Max LTV: 60%
  • Max Term: 25 years

Standard Chartered HK Mortgage Standard Chartered HK

1.25% initial

  • Interest Rate: H+1.25%
  • Rate Type: Fixed 3yr then variable
  • Max LTV: 60%
  • Max Term: 30 years

HSBC Mortgage H+1.3% HSBC Hong Kong

1.30% initial

  • Interest Rate: H+1.30% (approx 3.80%)
  • Max LTV: Up to 90% (NHG)
  • Rate Type: H-rate or P-rate
  • Max Term: Up to 30 years

Hang Seng Mortgage H+1.3% Hang Seng Bank

1.30% initial

  • Interest Rate: H+1.30% (approx 3.80%)
  • Max LTV: Up to 90% (NHG)
  • Rate Type: H-rate or P-rate
  • Max Term: Up to 30 years

Chong Hing Bank Mortgage Mortgage Chong Hing Bank Mortgage

1.30% initial

  • Interest Rate: HIBOR+1.30%
  • Rate Type: Tracker rate
  • Max LTV: 90%
  • Max Term: 30 years

Citibank HK Home Loan Mortgage Citibank HK Home Loan

1.30% initial

  • Interest Rate: HIBOR+1.30%
  • Rate Type: Tracker rate
  • Max LTV: 90%
  • Max Term: 25 years

Dah Sing Bank Mortgage Mortgage Dah Sing Bank Mortgage

1.30% initial

  • Interest Rate: HIBOR+1.30%
  • Rate Type: Tracker rate
  • Max LTV: 90%
  • Max Term: 25 years

DBS Mortgage HK DBS Hong Kong

1.35% initial

  • Interest Rate: H+1.35% (approx 3.85%)
  • Max LTV: Up to 90% (NHG)
  • Rate Type: H-rate
  • Max Term: Up to 30 years

Bank of China HK Mortgage Bank of China HK

1.40% initial

  • Interest Rate: H+1.40% (approx 3.90%)
  • Max LTV: Up to 90% (NHG)
  • Rate Type: H-rate
  • Max Term: Up to 30 years

SC MortgageOne HK Standard Chartered HK

1.40% initial

  • Interest Rate: H+1.40% (approx 3.90%)
  • Max LTV: Up to 90% (NHG)
  • Rate Type: H-rate
  • Max Term: Up to 30 years

Bank of China HK Mortgage Bank of China HK

1.50% initial

  • Interest Rate: H+1.50%
  • Rate Type: Fixed 5yr then variable
  • Max LTV: 80%
  • Max Term: 25 years

CMB Wing Lung Mortgage Mortgage CMB Wing Lung Mortgage

1.50% initial

  • Interest Rate: H+1.50%
  • Rate Type: Fixed 5yr then variable
  • Max LTV: 80%
  • Max Term: 30 years

OCBC Wing Hang Mortgage Mortgage OCBC Wing Hang Mortgage

1.50% initial

  • Interest Rate: H+1.50%
  • Rate Type: Fixed 5yr then variable
  • Max LTV: 80%
  • Max Term: 25 years

Wing Hang Bank Mortgage Mortgage Wing Hang Bank Mortgage

2.50% initial

  • Interest Rate: P-2.50%
  • Rate Type: Full-term fixed
  • Max LTV: 85%
  • Max Term: 25 years

DBS Bank HK Mortgage Mortgage DBS Bank HK Mortgage

2.50% initial

  • Interest Rate: P-2.50%
  • Rate Type: Full-term fixed
  • Max LTV: 85%
  • Max Term: 30 years

ICBC HK Mortgage Mortgage ICBC HK Mortgage

2.50% initial

  • Interest Rate: P-2.50%
  • Rate Type: Full-term fixed
  • Max LTV: 85%
  • Max Term: 30 years

China Life Insurance HK Mortgage China Life Insurance HK

2.75% initial

  • Interest Rate: P-2.75%
  • Rate Type: Variable (floating)
  • Max LTV: 70%
  • Max Term: 30 years

Fubon Bank HK Mortgage Mortgage Fubon Bank HK Mortgage

2.75% initial

  • Interest Rate: P-2.75%
  • Rate Type: Variable (floating)
  • Max LTV: 70%
  • Max Term: 25 years

Hang Seng Bank Mortgage Hang Seng Bank

2.75% initial

  • Interest Rate: P-2.75%
  • Rate Type: Variable (floating)
  • Max LTV: 70%
  • Max Term: 30 years

What are Mortgages in Hong Kong?

A mortgage is a long-term loan secured on residential property, letting you buy a home while repaying capital and interest over up to 30 years. Hong Kong has some of the world highest property prices, so mortgages are central to home ownership. Most are floating-rate, priced against HIBOR (the Hong Kong Interbank Offered Rate) with a cap linked to the bank Prime rate, and lenders offer cash rebates to win business.

How the Hong Kong market works

Banks dominate origination: Bank of China (Hong Kong), HSBC Hong Kong, Standard Chartered HK, Hang Seng Bank, DBS Hong Kong, Chong Hing Bank and Wing Hang compete on HIBOR-plus pricing and upfront cash rebates. The HKMA sets loan-to-value (LTV) caps and requires a stress test on borrower income. The Hong Kong Mortgage Corporation runs a Mortgage Insurance Programme that lets qualified buyers borrow above standard LTV limits for a premium.

Benefits

Access to ownership — spreads an otherwise unaffordable purchase over decades.

Competitive pricing — HIBOR-based rates plus cash rebates keep effective costs low for prime borrowers.

Flexible structures — options include mortgage-linked deposit accounts that offset interest.

High LTV routes — the Mortgage Insurance Programme helps first-time buyers with smaller deposits.

Long tenor — terms up to around 30 years keep monthly repayments manageable on high-value properties.

How to choose

Compare the effective rate after cash rebate, the HIBOR-plus spread and the Prime-linked cap, plus any mortgage-linked savings offset. Check the LTV you qualify for, the stress-test buffer, penalty periods for early repayment or refinancing, and valuation and legal fees. Weigh whether a rebate that must be repaid if you refinance early actually suits your plans.

Leading providers in Hong Kong

Bank of China (Hong Kong) and HSBC Hong Kong are the largest mortgage lenders, with Hang Seng Bank, Standard Chartered HK and DBS Hong Kong close behind; Chong Hing Bank and Wing Hang serve niche and mid-market borrowers. Rates and rebates move frequently and are broadly similar across the majors, so the deciding factors are often rebate size, offset features and service speed.

What it costs

Effective mortgage rates in the current market broadly range from about 1.25% to 2.75%, depending on HIBOR movements, the Prime cap and your profile. On top of interest, budget for stamp duty (which can be substantial), the Mortgage Insurance Programme premium if borrowing at high LTV, legal fees, valuation and fire insurance. Cash rebates offset some upfront cost but may be clawed back on early refinancing.

Protections and regulation

Mortgage lenders are authorised institutions supervised by the HKMA, which sets prudential LTV and debt-servicing rules and mandates the borrower stress test to protect against rate rises. The Code of Banking Practice governs disclosure of rates, fees and rebate clawback terms. The Hong Kong Mortgage Corporation, a government-owned body, administers mortgage insurance for higher-LTV lending.

Common questions

HIBOR or Prime? — Most loans are HIBOR-based with a Prime-linked cap; you pay the lower of the two.

What deposit do I need? — Standard LTV caps require a sizeable deposit; the Mortgage Insurance Programme can raise the borrowing limit.

Can I refinance for a new rebate? — Yes, but check the penalty period and rebate clawback before switching.

What is the stress test? — The HKMA requires lenders to check you could still afford repayments if rates rose, which can limit how much you borrow.

Do I pay stamp duty? — Yes; property purchases attract stamp duty that can be substantial, separate from the mortgage itself.

Mortgages in Hong Kong — FAQ

What home loan rate can I get in Hong Kong right now?

Giraffy tracks 20 home loan products across 16 lenders in Hong Kong. Use the sort and filter controls to compare fixed versus variable rates and initial deal lengths.

What is the difference between a fixed-rate and a variable-rate home loan?

A fixed-rate home loan locks your interest rate for a set period — typically 2, 5, or 10 years — giving payment certainty. A variable rate moves with the central bank benchmark rate set by the Hong Kong Monetary Authority (HKMA). Fixed rates suit those who want stability; variable suits those who expect rates to fall.

How much can I borrow with a home loan?

Most lenders apply an income multiple — typically 4–5× your gross annual income for a conventional home loan. Affordability assessments also factor in outgoings, existing debts, and the property's loan-to-value (LTV) ratio. A home loan adviser or broker can run a full affordability assessment for free.

What is LTV (loan-to-value) and why does it matter?

Loan-to-Value (LTV) is the home loan amount as a percentage of the property's value. A 90% LTV means you're borrowing 90% and putting down 10% as a deposit. Lower LTV means less risk for the lender — you'll typically be offered a lower interest rate with a deposit of 20–25% or more.

How long does home loan approval take?

An indicative approval can usually be obtained the same day online. Full home loan approval — after property valuation and underwriting — typically takes 2–6 weeks. Having all your documents ready (pay stubs, bank statements, ID) speeds up the process significantly.

Are there Islamic home-finance products available in Hong Kong?

Sharia-compliant home-finance products structure the transaction without interest, typically through Murabaha (cost-plus financing) or Ijara (lease-to-own) arrangements. Check with individual lenders for availability in your market.

What fees are charged to set up a home loan?

Lenders often charge arrangement, origination, or application fees to set up a home loan — amounts vary by lender and market. You can usually add them to the loan, but you'll pay interest on them for the full term. For large loans, a higher-fee/lower-rate deal may be cheaper overall — compare total cost over the initial fixed period.