Hong Kong Finance Loans | 2025 Hong Kong Finance Plans Overview
Updated: 24 Oct 2025
Whether you want to cash out property, consolidate credit card debts, or inject working capital into an SME, choosing a financial company with fast approval, transparent rates, and flexible terms is essential. As the first local finance company focused on mortgage lending and successfully listed, Hong Kong Finance offers a variety of loan products, including property mortgages, homeowner loans, and personal loans, to flexibly meet different funding needs.
The following provides a comprehensive introduction to Hong Kong Finance’s product features, eligibility criteria, and repayment methods, helping you manage urgent financial requirements effectively.
Total Interest
$ 8,400Total Repayment
$ 108,400APR
8.00 %- Loan-to-value ratio up to 90%; Interest rate as low as 8%
- Spared credit limit and revolved credit facility for you
- Daily calculation of interest, borrow and repay whenever you want
- Exempt from income proof, stress test and credit report
- Exempt from valuation fee, legal fee and handling fee
- No upper limit of loan amount
Eligibility
Minimum Age: 18 year-old
Key Features
- We offer diversified property mortgage services, which can be applied for residential, industrial and commercial buildings, shops and parking spaces. It is convenience, easy and fast to apply.
- Repayment period can be up to 120.
- 客戶可獲享之利率將按抵押物業、其個人信貸狀況、及/或其他因素而定，實際利率不超過年息48%
- 以息隨本減計算，實際年利率最低9%至最高48%。例子﹕以貸款HK$100,000、實際年利率9%、手續費全免，按12個月還款期計算，每月還款金額為HK$8,745，總供款為HK$104,942。
Total Interest
$ 8,400Total Repayment
$ 108,400APR
8.00 %- No collateral of title deed is required; Loan amount up to HK$2 million
- Co-owned properties can be applied for by one person
- Exempt from complicated legal procedure, cash out instantly
- Daily calculation of interest, borrow and repay whenever you want
- Exempt from income proof and stress test
- Exempt from valuation fee, legal fee and handling fee
Eligibility
Minimum Age: 18 year-old
Key Features
- Any property owners are welcomed as no collateral of title deed is required. Compared to general private loans, the loan amount is larger and the interest is lower, which helping you to clear high-interest debts. Thus, a lower interest rate can be enjoyed to meet your different funding needs!
- Repayment period can be up to 120.
- 客戶可獲享之利率將按其個人信貸狀況、及/或其他因素而定，實際利率不超過年息48%
- 以息隨本減計算，實際年利率最低9%至最高48%。例子﹕以貸款HK$100,000、實際年利率9%、手續費全免，按12個月還款期計算，每月還款金額為HK$8,745，總供款為HK$104,942。
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