According to Hong Kong media Hong Kong 01, Hong Kong's "Employment Ordinance" stipulates that wages must be paid in the form of money, and cryptocurrency is not legal tender, so employers using bitcoin to pay wages may violate the law. There is no big legal problem with some technology companies having used bitcoin as a profit or reward, but even if employees continue to receive bitcoin as a reward or bonus, or if the tax return mentions bitcoin income, the bank will not accept it, and the borrower can only receive salaries, bonuses and commissions in legal tender to calculate DTI. In addition, local banks in Hong Kong currently only accept cash, stocks, foreign currencies, Hong Kong properties, funds and bonds, and some banks accept policies without insurance premium financing as the applicant's assets, but Bitcoin has not been successful, because Hong Kong banks do not recognize cryptocurrencies, the only feasible way is to cash out the cryptocurrency "withdrawal", and then use the funds as the first installment of the home purchase, or apply for a mortgage at the asset level, and have the opportunity to apply for up to 70% of the loan according to the latest regulations.