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To keep up with the digital payment age and enhance customer protection in property transactions, the banking industry has introduced PAPT, which offers you an alternative payment arrangement through bank-to-bank electronic fund transfer, alongside the existing arrangement of routing payments through Law Firms. Supported by the Hong Kong Monetary Authority and the Hong Kong Association of Banks, PAPT now extends beyond refinancing transactions to cover the sale and purchase of residential properties in Hong Kong's secondary market.
Streamline the fund flow of mortgage loan in property transactions for quick and efficient processing.
Reduce payment-related risks through direct bank-to-bank electronic fund transfers.
Vendors can expect to receive the balance of sale proceeds by the end of the completion day.
From 28 Feb 2026, PAPT is available for the sales and purchase of residential properties in secondary market transactions. This payment arrangement supports direct bank-to-bank electronic fund transfers, subject to eligibility criteria.
For more information, please refer to the e-leaflet from The Hong Kong Association of Banks.
PAPT is available for the refinancing transactions of residential properties. This payment arrangement supports direct bank-to-bank electronic fund transfers, subject to eligibility criteria.
For more information, please refer to the e-leaflet from The Hong Kong Association of Banks.
To borrow or not to borrow? Borrow only if you can repay!