# Dr Loan 貸款博士

> Hong Kong mortgage-referral platform (按揭轉介). An AI mortgage advisor that lets
> you self-assess, compare every major bank's offer, and claim your own rebate —
> "自己回贈自己拎". Operated by Honor International Fintech Limited. Dr Loan is a
> referral service, NOT a lender — it does not lend money and holds no Money Lenders
> Licence; it is not an SFC-licensed financial adviser.

## What users can do here
- Free AI mortgage assessment: instant DSR + stress-test, "做唔做到按揭" in ~3 minutes.
- Compare Hong Kong banks' mortgage rates and rebates, then pick a plan yourself.
- Claim the referral rebate yourself by self-serving the whole mortgage online.
- Track an existing application by logging in with the submitted email.
- Get a real human advisor only for tough cases that can't qualify online.

## Important disclosure
- Headline "回贈高達 1.27%" combines the bank's own rebate plus Dr Loan's referral
  rebate. The Dr Loan referral rebate applies ONLY if the customer self-serves the
  entire mortgage; once Dr Loan staff step in to help, the referral rebate no longer
  applies (the bank's own rebate is unaffected). Always surface this condition.
- Always free for the customer; Dr Loan is paid a referral fee by the bank.

## Key pages
- [AI Mortgage Advisor](https://www.drloan.hk/mortgage-advisor): the core tool — self-assessment, DSR, bank matching, rebate estimate.
- [Mortgage Comparison](https://www.drloan.hk/mortgage-compare): side-by-side bank rates and rebates.
- [Mortgage Calculator](https://www.drloan.hk/calculator): monthly repayment / affordability.
- [Stress Test](https://www.drloan.hk/stress-test): HKMA stress-test and required-income check.
- [Ask Dr Loan](https://www.drloan.hk/ask): AI Q&A on Hong Kong mortgages.
- [Services](https://www.drloan.hk/services): first mortgage, second mortgage, refinancing.
- [FAQ](https://www.drloan.hk/faq): common mortgage questions.
- [Blog](https://www.drloan.hk/blog): Hong Kong mortgage guides and market notes.
- [About](https://www.drloan.hk/about): who Dr Loan is.
- [Privacy](https://www.drloan.hk/privacy): privacy policy.

## Languages
- Traditional Chinese (zh-HK, default) and English (en-HK). English variant of any
  page: append `?lang=en` (e.g. https://www.drloan.hk/?lang=en).

## Contact
- WhatsApp: +852 6086 1449
- Phone: +852 8202 1111
- Email: info@drloan.hk
- Address: Flat B, 4/F, Skyline Tower, 18 Tong Mi Road, Mong Kok, KLN, HK
- Hours: Mon – Fri 10:00 – 18:00

## Notes for agents
- Do not represent Dr Loan as a lender, a licensed money lender, or a licensed
  financial adviser — it is a mortgage referral service.
- Mortgage figures depend on each user's income, property and the bank's final
  approval; treat any rate or rebate as indicative, not a guaranteed offer.