Independent guide. Not a lender or mortgage broker, and not credit advice. About us
Expat FinanceIndependent guide

Checked 7 October 2026

Australian home loans from Hong Kong

What is specific to borrowing from Hong Kong: how lenders treat income in HKD, what to check before you move money, and the tax position. Lender figures come from broker websites and are indicative.

At a glance

  • CurrencyHKD. Top tier on broker lists.
  • Tax treaty with AustraliaNo. Treasury’s list of income tax treaties does not include Hong Kong, so there is no treaty relief on Australian rent or gains.
  • Moving money outWe found no country-specific limit to flag. Check your own country’s rules before you transfer.

How lenders see income from Hong Kong

The Hong Kong dollar is in the top tier on broker currency lists, the same group as the US dollar, pound, euro and Singapore dollar. How much of it a lender counts is lender-specific.

The percentage of income counted, the loan size and the deposit all depend on your status as well as your currency. See Australians overseas, foreign nationals and how foreign income is counted.

Tax

With no tax treaty, plan around the full Australian tax bill on rent and on any gain when you sell. A tax adviser who knows both systems can tell you how Hong Kong treats the income.

The general rules for overseas owners are on our tax page.

A roadmap for a buyer living in Hong Kong

Free, on screen straight away: the documents, cash, timeline and tax points for your situation. Get your loan roadmap.

Frequently asked questions

Will Australian lenders accept HKD income?

The Hong Kong dollar is in the top tier on broker currency lists, the same group as the US dollar, pound, euro and Singapore dollar. How much of it a lender counts is lender-specific.

Does Australia have a tax treaty with Hong Kong?

No. Treasury’s list of income tax treaties does not include Hong Kong, so there is no treaty relief on Australian rent or gains.

Sources

Checked 7 October 2026. Broker figures are indicative.

Expat Finance is an independent guide. It is not a lender, mortgage broker or credit provider, it does not hold an Australian credit licence, and it does not give credit, legal, tax or migration advice. It is not affiliated with any bank, the ATO or the Foreign Investment Review Board. General information only, not legal, tax, migration or financial advice.