In accordance with the Money Lenders Ordinance, the effective interest rate does not exceed 48% per annum. The final interest rate applicable to a customer will vary based on their individual credit profile, with repayment periods ranging from 3 to 60 months. A summary of loan-related costs is provided below for reference:

For a loan amount of HK$10,000 with a 12-month repayment period and an assumed annual interest rate of 9%, the monthly repayment is HK$875, and the total repayment amount is HK$10,500.

* The Company reserves the right to determine the loan interest rate and final approval; the loan is subject to terms and conditions.