About Us
Your mortgage, your move — your rebate in full
Dr Loan — Hong Kong's first platform where AI takes you from assessment to rebate, fully self-directed, an independent and neutral mortgage referral agency.
Our Story
Dr Loan was founded by a team of experienced finance professionals. We believe a mortgage should be spoken in plain language, and that every client should be in the driver's seat — so we turned the complex mortgage process into Hong Kong's first platform where AI takes you from assessment to rebate, fully self-directed: AI assesses you instantly and compares rebates across the major banks, then you upload your own documents, track your own progress, and claim every dollar of rebate you're owed. You stay in control the whole way; for complex cases, our advisors step in personally. Our mission is to use AI to put the most professional, neutral mortgage service back in your own hands.
Why Choose Us
Independent & Neutral
Unaffiliated with any single bank — we compare mortgage plans across 20+ banks and financial institutions in Hong Kong.
You Drive Every Step
From AI assessment, comparison and document upload to progress tracking, the platform guides you to do it yourself — a person steps in only for complex cases.
Claim Your Own Rebate
We never charge clients; our commission is paid by partner banks. The bank rebate + Dr Loan referral rebate you're owed — the platform maximises it, and you claim it yourself. *The referral rebate applies only if you complete the whole mortgage yourself; not once our staff step in.
Instant AI, No Waiting
AI returns an assessment in 3 minutes with no waiting on a human; and when you do want a person, WhatsApp reaches an advisor anytime.
「All-in-one AI mortgage platform · claim your own rebate」
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