Terms & Conditions

HC Capital Group Limited ("we," "us," or "our") is a licensed money lender (Hong Kong Money Lenders License 0778/2024) operating under Hong Kong's Money Lenders Ordinance (Cap. 163). These Terms and Conditions govern all loan services provided by us, including personal and business loans. By applying for or accepting a loan, you agree to comply with these terms, our Provision Statement, and all applicable Hong Kong laws.

 

To qualify for a loan, you must be at least 18 years old, a Hong Kong resident (or registered business), and provide valid identification (HKID/passport), proof of income and proof of address. By submitting an application, you confirm that all information provided is accurate and authorize us to verify your details with credit reference agencies. Our loan offerings include personal loans and business loans, subject to our approval and the terms outlined in our Provision Statement.

 

All loans are subject to:

• Maximum interest rate of 48% per annum (as permitted under Hong Kong law)

• Processing fee of 1% of the loan amount (capped at HK$5,000)

• Late payment fee of 5% on overdue amounts

 

or full details of all charges and the Annual Percentage Rate (APR), please refer to our Provision Statement.

Repayment is typically structured in monthly installments via autopay (FPS/Bank Transfer). Early repayment is permitted with a 2% prepayment fee on the outstanding balance, as further detailed in our Provision Statement.