16 Jan 2026
THE BANK OF EAST ASIA, LTD v. TARJOTO HERU HIDAJAT AND ANOTHER
- Citation
- [2026] HKCA 22
- Court
- Court of Appeal
- Case number
- CACV267/2025
The stay was refused because the appeal lacked reasonable prospects of success: there was no clear acceptance of any refinancing offer (communications, including WhatsApp, demonstrate decline or counter-offer), the bank was entitled to decide whether to grant refinancing, the facility letters and their declarations did not create a binding refinancing agreement without signature, and the defendants' insurance and consumer loan complaints do not provide a defence to enforcement of the mortgage.