Standard Chartered Mortgage

Standard Chartered differentiates via its Priority Banking mortgage pricing — clients with HK$1M+ in deposits receive preferential HIBOR + 1.28% pricing (versus the standard 1.3%) and enhanced rebates of up to 2.0%. The bank's online mortgage calculator is the most detailed in the market, providing amortisation breakdowns, total interest cost projections, and rate sensitivity analysis. Standard Chartered also offers a unique 10-year fixed-rate segment for buyers seeking long-term cost certainty, currently priced at approximately 3.5% p.a.