According to TechFlow news on January 4, reported by Hong Kong 01, the banking industry in Hong Kong is cautious towards cryptocurrencies. According to the Hong Kong Employment Ordinance, Bitcoin cannot be used as a method of salary payment. In mortgage loan applications, Bitcoin is neither considered a fixed source of income nor accepted as a qualifying asset.

Currently, banks only recognize traditional assets such as cash, stocks, foreign currencies, Hong Kong properties, funds, and bonds. Holders of cryptocurrencies must convert them to fiat currency in advance and keep them for more than 3 months to apply for up to 70% mortgage loans. If banks discover that the applicant's funds come from cryptocurrency transactions, they may reject the mortgage application due to money laundering risk considerations, and may even freeze the bank account.