Is 31 young enough?
Will they also take into account my mortgage in the UK, or do I even need to declare it?
You will have to sign a declaration about any debts outside of Hong Kong - so yes you do have to tell them.
Last week's latest...
The lowest recent offer I can find is from HSBC at the moment for net rate of 2.05% P -2.95% Their P is 5% at the mo. 1 year penaty period
Other banks that are eager for your mortgage business (at the mo) are Wing Hang & BOC.
Both banks offered net 2.15% with 1% rebate, P - 3.1%. Their P is 5.25%. 1 year penaty period also
May be mistaken, but there's no site that offers a an upodate comparsion on latest rates. You could try a mortgage broker like Mrefferal, but they have certain affliations and can sometimes only point you to certain banks.
here's a comparison I did after shopping around this week. I've left out the penalties since they won't be relevant to our situation. keep in mind this is the bank's initial offer subject to your own negotiation, and there may be additional incentives offered by certain banks (such as the Stan Chart one noted) to sweeten the deal.