# 28Hse vs PayMe by HSBC

The clearest difference is in-app purchases: PayMe by HSBC at none against 28Hse's 13. PayMe by HSBC also leads on ratings volume (2.6K vs 181) and review sentiment (36% vs 27%). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. 28Hse sells 11 one-off in-app purchases. PayMe by HSBC asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.7 for 28Hse against 4.6 for PayMe by HSBC. That said, the two scores are not equally well evidenced: PayMe by HSBC has 2.6K ratings behind it against 181, so its average is the more settled of the two. Written reviews are what separate them: 27% of 28Hse's written reviews are positive against 36% of PayMe by HSBC's.

28Hse ships an update every 3 weeks, PayMe by HSBC every 4 weeks. Both last shipped on October 29, 2026.

## The numbers

| Metric | 28Hse | PayMe by HSBC |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (181 ratings)](https://appshunter.io/ios/app/28hse/id902344223/reviews)** | [4.6 (2.6K ratings)](https://appshunter.io/ios/app/payme-by-hsbc/id1184264977/reviews) |
| Number of ratings | 181 | **2.6K** |
| Positive reviews | 26.7% of reviews | **36.0% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 4 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 52 MB | 177 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [28Hse Ltd](https://appshunter.io/developer/902344226) | [The Hongkong and Shanghai Banking Corporation Ltd.](https://appshunter.io/developer/306028848) |

## What reviewers say

### 28Hse

[App page](https://appshunter.io/ios/app/28hse/id902344223)

Discover a vast selection of rental and for-sale properties in Hong Kong, including residential, commercial, and land. List your own property for free, access the latest transaction data, and find new developments. The app also offers serviced apartments, mortgage calculations, and property news.

**Highlights:** Rental and for-sale property listings, List your own property for free, New property information, Transaction data and market trends, Serviced apartment listings, Mortgage calculator, Property news

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (11)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Normal Listing (Rent Carpark) | $6.99 | one-time |
| Normal Listing | $69.99 | one-time |
| Normal Listing | $79.99 | one-time |
| Top Listing | $99.99 | one-time |
| Golden Top Listing | $179.99 | one-time |
| Normal + Premium Listing | $199.99 | one-time |
| Golden Top Listing | $199.99 | one-time |
| Top + Premium Listing | $229.99 | one-time |
| Normal + Premium Listing | $249.99 | one-time |
| Top + Premium Listing | $249.99 | one-time |
| Golden Top + Premium Listing | $349.99 | one-time |


### PayMe by HSBC

[App page](https://appshunter.io/ios/app/payme-by-hsbc/id1184264977)

Go cashless with a mobile payment solution accepted at over 60,000 locations across Hong Kong. Easily pay businesses, friends, and family, and enjoy rewards and vouchers. Top up your wallet conveniently from your bank account or credit card.

**Highlights:** Cashless payments at 60,000+ outlets, Accepted at major retailers and services, Earn discounts, vouchers, and rewards, Multiple top-up options (bank account, credit card), Instant payments to friends and family, Supports Consumption Voucher Scheme, Quick sign-up process

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💳 Great payment app
- 🚀 Convenient and easy to use
- 🤝 Useful for splitting bills and group payments

**What reviewers complain about**

- 🐛 Frequent app crashes and bugs
- 🔒 Poor security and login issues
- 📱 Difficult to set up and use
- 🤖 Unreliable facial recognition and ID scanning
- 💰 Restrictive payment limits and funding options

**Reported bugs**

- Payment records disappearing after app updates
- Inability to log in or register due to system errors
- Inconsistent behavior when changing mobile numbers
- Face scan and ID scanning not working properly

**Requested features**

- Add support for more payment methods
- Improve customer support and communication
- Allow login via email instead of just mobile number
- Provide better privacy controls and transaction visibility


## Frequently asked questions

### Is 28Hse free?

28Hse is free to download, with in-app purchases available.

### Is PayMe by HSBC free?

PayMe by HSBC is free to download, with no in-app purchases.

### Which has better reviews, 28Hse or PayMe by HSBC?

28Hse is rated higher. 28Hse averages 4.7 out of 5 from 181 ratings, while PayMe by HSBC averages 4.6 from 2.6K ratings.

### Do 28Hse or PayMe by HSBC have ads?

Neither 28Hse nor PayMe by HSBC shows ads.

### Which is updated more often, 28Hse or PayMe by HSBC?

28Hse ships an update every 3 weeks, and PayMe by HSBC every 4 weeks. Most recently, 28Hse was updated on October 29, 2026 and PayMe by HSBC on October 29, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*