Dimension scores are derived from public data and fields; weighted into the composite. Reference only.
28Mortgage is a Hong Kong mortgage comparison and referral platform. It is not positioned as a payment gateway or consumer finance app; instead, it helps customers compare property mortgage plans from multiple banks and financial institutions. Its services cover first-time homebuyer mortgages, refinancing, top-up mortgages, property valuation, and mortgage consultation. The platform emphasizes that its service is free of charge and that users can make quick enquiries via WhatsApp. The company discloses that it holds an estate agent licence, C-088977, and has served more than 1,500 customers since its establishment.
Based on the main content, the platform’s core value lies in comparing mortgage rates and cash rebates, as well as providing one-on-one specialist follow-up for bank applications. The page lists mortgage examples for June 2024: private residential properties and village houses commonly show H+1.3%, with a cap of around 4.125%; some prime-rate plans include P-1.75%, and developer mortgage refinancing at P-2.25%; commercial and shop property examples show H+1.7% with a 4.375% cap. Example bank cash rebates are shown as up to 0.50%, with additional rebates mostly up to 0.28%, and 0.33% for commercial/shop properties. The page also includes promotional claims of rebates up to 2.20% and refinancing rebates up to 0.75%; actual offers should be confirmed case by case and based on the latest bank promotions. Additional rebates are typically paid 1 to 3 months after the loan drawdown date.
The platform states that it refers to relevant Hong Kong Monetary Authority mortgage rules, including loan-to-value ratios, stress tests, and debt-servicing-to-income ratios. Its risk-control role is not direct lending; rather, it helps customers assess their financial situation, simulate stress tests, and match applications with the loan risk-management requirements of different banks. The application process includes filling in an online referral form, confirming the bank to apply to, submitting the application to the bank, waiting for the rebate confirmation letter, and then for bank approval.
The advantages are that the service is free, saves time compared with asking banks one by one, allows users to compare multiple institutions at once, and provides specialist follow-up plus additional rebates. It is particularly useful for first-time buyers, homeowners refinancing for rebates, refinancing for cash-out purposes, and users seeking mortgage advice for village houses or Home Ownership Scheme flats. The drawbacks are that the list of partner banks, data security measures, and API or system integration capabilities are not disclosed; there are also many rebate percentage claims that need further verification. It is suitable for Hong Kong property buyers and owners, but not for merchants looking for online payment, acquiring, or cross-border payment solutions.
The main content does not provide information on access stability from mainland China, so China access is assessed as unknown. If users in mainland China have difficulty accessing the site, they can contact Hong Kong banks directly, use the mortgage hotlines on bank websites, or compare other Hong Kong mortgage referral companies and mortgage consultants working with estate agencies.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on 28mortgage.com.hk official site.
28mortgage.com.hk is an Hong Kong Payments (Mortgage Broker) provider. TG4G tracks its product information, an overall rating of 7.0/10, and a China-accessibility score of Unknown. Click "Visit Official Site" to reach 28mortgage.com.hk directly.