Mortgage Plan Comparison

Hong Kong Bank Mortgage Offers Comparison 2026

Compare cash rebates, fire insurance, home insurance and perks across major HK banks — free, neutral, instant

Updated: 16 May 2026

Rebate Estimate

Loan Amount (HKD)

HK$

Bank Offer Comparison

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Bank	H Plan	P Plan	Cash Rebate	Rebate (HKD)	Fire Ins.	Home Ins.	Notes
TOPHang Seng Bank	H + 1.30%	P − 2.50%	1.00%	HK$10,000 per $1M	✓ Incl.	✓ Incl.	Small P 5.25%; fire + home insurance included; green mortgage bonus (BEAM Plus); 24hr initial approval🌿 +HK$10,000	Enquire
Bank of China (HK)	H + 1.30%	P − 2.50%	0.90%	HK$9,000 per $1M	✓ Incl.	—	Small P 5.25%; fire insurance required; extra perks for BOC personal banking clients	Enquire
Standard Chartered	H + 1.30%	P − 2.00%	0.90%	HK$9,000 per $1M	✓ Incl.	—	Big P 5.5%; MortgageOne deposit offset; fire insurance required	Enquire
HSBC	H + 1.30%	P − 2.50%	0.80%	HK$8,000 per $1M	✓ Incl.	—	Small P 5.25%; MortgageLink interest offset; fire insurance required; strict approval (2-yr tax return)	Enquire
Bank of East Asia	H + 1.30%	P − 2.00%	0.80%	HK$8,000 per $1M	—	—	Big P 5.5%; relatively flexible approval; suitable for self-employed	Enquire
Citibank	H + 1.30%	P − 2.00%	0.80%	HK$8,000 per $1M	—	—	Big P 5.5%; preferential rate/rebate for Citigold clients	Enquire
OCBC Wing Hang	H + 1.30%	P − 2.00%	0.80%	HK$8,000 per $1M	✓ Incl.	—	Big P 5.5%; fire insurance required	Enquire
DBS	H + 1.30%	P − 2.00%	0.80%	HK$8,000 per $1M	—	—	Big P 5.5%; extra rebate for DBS Treasures clients	Enquire
Nanyang Commercial Bank	H + 1.30%	P − 2.50%	0.70%	HK$7,000 per $1M	—	—	Small P 5.25%; basic perks	Enquire
China CITIC Bank Intl	H + 1.30%	P − 2.00%	0.70%	HK$7,000 per $1M	—	—	Big P 5.5%; basic perks	Enquire

TOPHang Seng Bank

1.00%

H Plan

H + 1.30%

P Plan

P − 2.50%

Rebate (HKD)

HK$10,000 per $1M

Fire Ins.

✓ Incl.

Home Ins.

✓ Incl.

Small P 5.25%; fire + home insurance included; green mortgage bonus (BEAM Plus); 24hr initial approval🌿 +HK$10,000

Enquire

Bank of China (HK)

0.90%

H Plan

H + 1.30%

P Plan

P − 2.50%

Rebate (HKD)

HK$9,000 per $1M

Fire Ins.

✓ Incl.

Home Ins.

—

Small P 5.25%; fire insurance required; extra perks for BOC personal banking clients

Enquire

Standard Chartered

0.90%

H Plan

H + 1.30%

P Plan

P − 2.00%

Rebate (HKD)

HK$9,000 per $1M

Fire Ins.

✓ Incl.

Home Ins.

—

Big P 5.5%; MortgageOne deposit offset; fire insurance required

Enquire

HSBC

0.80%

H Plan

H + 1.30%

P Plan

P − 2.50%

Rebate (HKD)

HK$8,000 per $1M

Fire Ins.

✓ Incl.

Home Ins.

—

Small P 5.25%; MortgageLink interest offset; fire insurance required; strict approval (2-yr tax return)

Enquire

Bank of East Asia

0.80%

H Plan

H + 1.30%

P Plan

P − 2.00%

Rebate (HKD)

HK$8,000 per $1M

Fire Ins.

—

Home Ins.

—

Big P 5.5%; relatively flexible approval; suitable for self-employed

Enquire

Citibank

0.80%

H Plan

H + 1.30%

P Plan

P − 2.00%

Rebate (HKD)

HK$8,000 per $1M

Fire Ins.

—

Home Ins.

—

Big P 5.5%; preferential rate/rebate for Citigold clients

Enquire

OCBC Wing Hang

0.80%

H Plan

H + 1.30%

P Plan

P − 2.00%

Rebate (HKD)

HK$8,000 per $1M

Fire Ins.

✓ Incl.

Home Ins.

—

Big P 5.5%; fire insurance required

Enquire

DBS

0.80%

H Plan

H + 1.30%

P Plan

P − 2.00%

Rebate (HKD)

HK$8,000 per $1M

Fire Ins.

—

Home Ins.

—

Big P 5.5%; extra rebate for DBS Treasures clients

Enquire

Nanyang Commercial Bank

0.70%

H Plan

H + 1.30%

P Plan

P − 2.50%

Rebate (HKD)

HK$7,000 per $1M

Fire Ins.

—

Home Ins.

—

Small P 5.25%; basic perks

Enquire

China CITIC Bank Intl

0.70%

H Plan

H + 1.30%

P Plan

P − 2.00%

Rebate (HKD)

HK$7,000 per $1M

Fire Ins.

—

Home Ins.

—

Big P 5.5%; basic perks

Enquire

* Data updated monthly, for reference only. Actual rebates, rates and terms subject to final bank approval. Dr Loan is a mortgage referral agency, not a direct lender.

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