and claim every dollar of rebate yourself
From assessment and comparison to claiming your rebate, you drive every step — AI computes your DSR and matches the highest-rebate bank; we step in personally only if you can't qualify.
✅ Always free for you · paid by the bank · a real advisor steps in if you can't qualify
Your AI mortgage result (sample)
✅ You qualify — rebate up to 1.27%
// bank + Dr Loan rebate (full self-service) · staff help = no referral rebate
* Reference: HKAB 1Mth. HIBOR Rates. Actual rate subject to final bank approval. · Updated 2026-06-02
Trusted by 1,000+ Hong Kong clients
Neutral mortgage referral, always free to you — many brokers just hand the bank your referral form and pocket the full commission. At Dr Loan, that commission can come back to you: follow your own mortgage and earn the referral commission yourself.
*The Dr Loan referral rebate applies only if you complete the whole mortgage yourself; it no longer applies once our staff step in to help (the bank's own rebate is unaffected).
// Comparing Hong Kong's major banks
From AI assessment to auto-matching a bank, you drive it yourself — we only step in if it doesn't work out.
Enter property + income; AI computes DSR & stress test and tells you in 3 minutes.
Compare every bank's rebate, pick the best plan yourself; AI verifies each document instantly.
Eligible cases auto-dispatch to a bank/partner; log in to self-track, then claim your rebate yourself — no waiting on manual payouts.
*The referral rebate applies only if you self-serve the whole way; not once our staff step in.
First mortgage, second mortgage, refinancing — however complex, a real Dr Loan advisor follows through for you.
Compare first-home mortgage plans — secure the best rate and the highest loan-to-value ratio.
Unlock the value in your property and solve cash-flow needs through compliant second-mortgage referrals.
Review your existing mortgage to secure lower rates and cash rebates, reducing your monthly repayment.
Log in with the email you submitted to track approval progress, partner status and rebate.
Track my application →Don't worry. Leave your contact and Dr Loan will personally help with options (co-borrower, adjusting the loan, alternatives).
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