Know in 1 minute
if you qualify
and pocket the broker's commission too
Having the choice is what makes you the boss — be your own referrer and keep the broker's commission for yourself!
✅ Free to you when you run it yourself · paid by the bank · one of our people takes over complex cases (quoted in advance) · Pay only on success
Your AI mortgage result (sample)
✅ You qualify — rebate up to 1.16%
// bank + Dr Loan rebate (full self-service) · if one of our people takes the case over, the referral rebate may be reduced or not apply
* Reference: HKAB 1Mth. HIBOR Rates. Actual rate subject to final bank approval. · Updated 2026-10-16
Trusted by 1,000+ Hong Kong clients
Neutral mortgage referral, free to you when you run it yourself — many brokers just hand the bank your referral form and pocket the full commission. At Dr Loan, that commission can come back to you.
*If one of our people takes the case over, the referral rebate may be reduced or not apply
// Comparing Hong Kong's major banks
How it works
From AI assessment to auto-matching a bank, you drive it yourself — if you can't qualify yet, ask our AI on WhatsApp how to improve.
Assess
Enter property + income; AI computes DSR & stress test and tells you in 1 minute.
Compare & pick
Compare every bank's rebate, pick the best plan yourself; AI verifies each document instantly.
Claim rebate
Eligible cases auto-dispatch to a bank or the follow-up institution; after drawdown we'll notify you — reply with your receiving account and we'll transfer your rebate.
*If one of our people takes the case over, the referral rebate may be reduced or not apply
Tough cases? Our specialist team is here in person
First mortgage, second mortgage, refinancing — however complex, a real Dr Loan advisor follows through for you.
First Mortgage
Compare first-home mortgage plans — we help you get the best rate and the highest loan-to-value ratio.
Second Mortgage / Top-up
Unlock the value in your property and solve cash-flow needs through compliant second-mortgage referrals.
Refinancing
Review your existing mortgage to secure lower rates and cash rebates, reducing your monthly repayment.
Already applied?
Log in with the email you submitted to track approval progress, the follow-up institution's status and rebate.
Track my application →Can't qualify yet?
Don't worry. Ask our AI on WhatsApp how to improve your case — add a guarantor or lower the loan amount; the AI works through each option for you.
Get help on WhatsApp →