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Top 10 Best Mortgages and Home Loans in Hong Kong 2026
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#1
HSBC H-Plan Mortgage
HSBC's HIBOR-linked mortgage (H-Plan) charges 1-month HIBOR + 1.3% with a rate cap at P - 3.5% (currently around 3.0% effective rate), making it the benchmark product for prime HK property buyers. HSBC offers cash rebates of up to 2.2% of the loan amount for new mortgages, partially offsetting legal and stamp duty costs. The bank's Mortgage Master tool provides real-time rate monitoring and early repayment flexibility with no redemption penalty after the 2-year lock-in period — a key advantage in a shifting rate environment.
#2
Hang Seng Bank H-Plan Mortgage
Hang Seng (a HSBC Group subsidiary) mirrors the HIBOR + 1.3% H-Plan structure but typically offers slightly more generous cash rebates — up to 2.3% — and has historically been more willing to approve high-LTV transactions under the Mortgage Insurance Programme (MIP). For first-time buyers using HKMC mortgage insurance to access 90% LTV financing, Hang Seng's dedicated mortgage insurance processing team delivers faster approvals and better pre-approval communication than most competitors.
#3
Bank of China HK H-Plan Mortgage
BOC HK offers a HIBOR + 1.3% H-Plan with one of the most competitive cash rebate schedules in the market — up to 2.5% for loan amounts above HK$5 million — and a P-plan alternative at P - 3.5% for borrowers who prefer rate predictability. BOC HK is the preferred lender for Mainland Chinese buyers and Hong Kong permanent residents with income in CNY, offering bilingual documentation and Mainland income acceptance. A dedicated GBA mortgage desk supports cross-border buyers from Guangdong province.