Hong Kong investors have steadily expanded their presence in U.S. real estate, and Arizona has become an increasingly strategic choice. While markets such as Los Angeles and New York once dominated cross-border purchases, Hong Kong buyers have shifted toward states that offer greater affordability, long-term appreciation, and more predictable rental fundamentals. Arizona stands out as a market where economic momentum, population growth, and lifestyle demand intersect.
Insights from the U.S. Real Estate Market Outlook 2026 reaffirm Arizona’s position as one of the strongest markets for long-term investor stability. With large-scale corporate expansions, consistent migration, and a housing supply that has not kept pace with demand, Hong Kong investors see Arizona as a market that aligns with both capital protection and growth strategies.
Why Hong Kong Investors Are Moving Toward Arizona With an Arizona Mortgage
For Hong Kong investors, real estate is a core wealth-preserving asset. Arizona offers a unique advantage because it combines affordability with long-term growth capacity, something that is difficult to find in mature global cities like Hong Kong. Modern homes, lifestyle-focused neighborhoods, and strong rental demand provide the foundation for stable returns without the extreme cost barriers of coastal U.S. markets.
Additionally, Hong Kong buyers are drawn to the luxury side of Arizona’s market. Scottsdale, in particular, has emerged as a preferred destination due to its elevated lifestyle amenities and strong appreciation history. This trend aligns with findings in Why Global Investors Are Buying U.S. Luxury Property. Arizona offers a more accessible path to high-end ownership compared to markets like San Francisco or Vancouver, making it attractive for capital deployment.
What Hong Kong Buyers Typically Purchase in Arizona
Hong Kong buyers often look for homes that combine modern design, manageable ownership structures, and high rental desirability. Arizona’s housing inventory caters to these preferences with a mix of new-build communities, mid-range homes, and luxury residences.
Preferred Property Types Among Hong Kong Buyers:
- Newly built homes in Mesa and Chandler
- Luxury residences in Scottsdale
- Townhomes and condos suitable for long-distance management
- Vacation-style properties in Sedona or property for sale in Northern Arizona
These property categories provide the mix of quality, appreciation potential, and rental demand that Hong Kong investors prioritize.
How Hong Kong Investors Put Arizona Homes to Use
Hong Kong buyers often view U.S. real estate through a multi-dimensional lens. For many, a purchase in Arizona serves as a long-term investment vehicle. Others use their homes for extended holidays or as a future landing spot for children studying in the U.S. A growing number of Hong Kong families are selecting Arizona due to its strong education options and comparatively lower cost of living.
Typical Uses for Hong Kong-Owned Arizona Properties:
- Long-term rental portfolios
- Future relocation bases for children’s education
- Holiday homes in scenic areas
- Short-term rentals in permitted zones
Broader investment principles reflected in Why Investing in U.S. Real Estate Is the Smartest Choice reinforce why Hong Kong buyers prefer stable, income-generating U.S. housing markets like Arizona.
Financing Arizona Property as a Hong Kong Investor With an Arizona Mortgage
Access to financing is often the most challenging part of buying in the U.S., especially for buyers without U.S. income or credit history. America Mortgages has created financing solutions specifically for non-U.S. residents, allowing Hong Kong buyers to qualify without traditional U.S. financial documentation.
Second homes
Qualification is based on global income, using Hong Kong financial documentation.
Investment properties
Approval is based on property rental income (DSCR), not Hong Kong or U.S. income.
Hong Kong clients often use the Arizona mortgage calculator or the mortgage calculator Arizona to understand borrowing capacity, cash flow expectations, and overall affordability before making offers.
Loan Programs Suitable for Hong Kong Investors
America Mortgages offers a range of loans designed to support cross-border property investments. These programs help Hong Kong buyers secure Arizona properties with fixed, predictable payments and simplified underwriting.
Loan Types Include:
- Purchase Loans – For first-time or portfolio expansions.
- Refinance Loans – Improve terms or release capital from existing U.S. assets.
- Bridging Loans – Short-term financing while waiting for asset sales or equity transfers.
- Cash-Out Equity Loans – Unlock value from Singapore property to fund U.S. acquisitions.
- Portfolio and DSCR Loans – Based on asset performance, ideal for income-generating investments.
- 30-Year Fixed Loans – Long-term stability for property owners seeking predictable repayment.
Investors comparing markets across states often reference insights from Red vs Blue State Property Markets to decide how Arizona fits into a broader U.S. investment strategy.
What Hong Kong Buyers Should Know About Arizona Taxes
One of the strongest advantages Arizona offers foreign investors is its low property tax structure. The statewide effective Arizona real estate tax rate is roughly 0.56 percent, significantly lower than many U.S. coastal states and far below major global cities.
Hong Kong investors evaluating long-term holding costs frequently explore how much is property tax in Arizona, what are property taxes in Arizona and average property tax in Arizona.
Useful resources include:
These sources provide data that help investors plan rental yields and long-term expenses accurately.
Working With Professionals to Navigate the Arizona Market
Hong Kong investors purchasing remotely rely on strong local guidance. A knowledgeable real estate agent in Arizona is essential for selecting neighborhoods, understanding appreciation trends, and coordinating offers. Agents also streamline remote inspections, video tour,s and negotiations.
An Arizona real estate attorney may also be involved, especially for buyers entering commercial real estate for sale in Arizona or prepping for multi-property ownership. Cross-border investors compare Arizona with other states using Best U.S. Cities for Foreign Mortgage Borrowers to determine which locations offer the best financing and stability.
Conclusion
Arizona continues to attract Hong Kong investors who value affordability, rental stability and long-term appreciation. With financing options such as the Arizona mortgage, buyers from Hong Kong can confidently acquire U.S. property without needing U.S. credit or income. Whether building a rental portfolio, purchasing a holiday home or planning for future relocation, Arizona offers one of the strongest opportunities for Hong Kong investors entering the U.S. market.
To explore your financing options, contact us here or email our team directly at [email protected].
Frequently Asked Questions
Q1. Can Hong Kong residents qualify for an Arizona mortgage?
Yes. America Mortgages allows Hong Kong buyers to qualify without U.S. credit or U.S. income.
Q2. How can mortgage affordability be estimated?
Using the Arizona mortgage calculator or the mortgage calculator Arizona helps estimate payments and cash flow.
Q3. Are Arizona property taxes low?
Yes. Arizona’s average property tax rate is about 0.56 percent, which is advantageous for long-term investors.
Q4. Can Hong Kong investors purchase commercial real estate in Arizona?
Yes. Many Hong Kong investors pursue commercial property for sale in Arizona as part of diversified investment portfolios.
