Mainlanders who apply for loans in Hong Kong will not go to jail. According to relevant public information, according to the laws of Hong Kong, when the loan arrears are overdue, banks or creditors usually demand the borrower to repay them through legal means, and charge the borrower interest and late fees. If the loan is not repaid on time, the borrower will not be directly sentenced to jail. However, according to Hong Kong law, evading repayment obligations will have a negative impact on personal credit records, making it more difficult to borrow money in the future, and may even face serious consequences such as bankruptcy.