Complex sentence: Pawnshops are mainly located in Hong Kong Island, particularly Central, and Kowloon, and since many jewellers and goldsmiths shop are located in Central, the mortgage and loan amount is usually higher.
Split into simpler sentences: Pawnshops are mainly located on Hong Kong Island, particularly Central, and Kowloon. Because many jewelers and goldsmiths shop are located in Central, the mortgage and loan amount is usually higher.