According to Hong Kong media HK01, the Hong Kong (Employment Ordinance) stipulates that wages must be paid in monetary form, and cryptocurrencies are not legal tender. Therefore, employers paying wages in Bitcoin may violate the law. Some technology companies have used Bitcoin as a bonus or reward without significant legal issues, but even if employees continuously receive Bitcoin as rewards or bonuses, or if Bitcoin income is mentioned for tax purposes, banks will not accept it. Borrowers can only calculate DTI based on salaries, bonuses, and commissions received in legal currency.
In addition, local banks in Hong Kong currently only accept cash, stocks, foreign currencies, Hong Kong properties, funds, and bonds. Some banks also accept non-premium financing policies as applicant assets, but there are no successful cases for Bitcoin. The reason is that Hong Kong banks do not recognize cryptocurrencies. The only feasible method is to cash out the cryptocurrency and use the funds as a down payment for property or apply for a mortgage based on asset levels. According to the latest regulations, there is a chance to apply for up to 70% of the loan.

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