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The Easy Way to Find the Best Mortgage in Hong Kong

ZAP can help you find the best mortgage deal in Hong Kong by searching all banks and lenders for you, 100% FREE. It doesn’t matter if you found your property with ZAP or without ZAP we are happy to do all your research for you.

Useful Tip When Looking for a Mortgage:

Mortgages are based on the bank valuation not on the price you pay. It's important you are paying the correct amount for the property you are buying. Any dollar over the bank valuation of the property you buy will not be covered by a mortgage and you will need to pay the additional amount in cash.


Click the big orange button and ZAP will search all major lenders for the best valuation or if you would like to check yourself contact the below banks directly.

Bank Online Valuation
HSBC Online Valuation
Bank of China Online Valuation
Hang Seng Bank Online Valuation
DBS Online Valuation
Citic Bank Online Valuation
China Construction Bank Online Valuation


Ben Wintle


Internet Entrepreneur

How did you find out about ZAP?

Through a friend.

Why did you decide to use ZAP?

I had been looking for a place to buy for some time and found a gem that had just been posted on ZAP, with the help of a lawyer I signed and completed the Provisional S&P Agreement relatively quickly.

ZAP put a lot of useful information at my fingertips and besides finding a property, one of the best services is the Mortgage Center which promised to find me the best mortgage deal for free, I saw no reason not to give it a go.

What happened next?

The ZAP Mortgage team got back to me within the same day with rates and terms that looked very competitive. I checked with two other banks independently as a comparison and neither of the offers were as good as the one I found through ZAP Mortgage Centre.

Would you use ZAP again/Any tips for other users?

Yes, I already know I will use ZAP again. The property deal and the ZAP Mortgage Service could not have been easier or worked out better...and not having to pay commission is as good as it gets when it comes to property.