Public Bank (Hong Kong) is currently offering mortgages for a home purchase or refinance with a repayment tenor of up to 30 years. (https://www.publicbank.com.hk/en/retailbanking/mortgage/RetailBanking-Mortgage-ResidentialPropertyMortgageLoan)

If you purchase a home this year, the final payments will be due well past the year 2047.

Comment on this issue based on the perspective of business law concepts.

(Note: 2047 is deadline of the 'One country, Two systems'. The existence of capitalist system and rule of law are in doubt.)