Hong Kong
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Loan Comparison Table
How do our loans compare?
The table below shows our Business Loans side by side for comparison. For more information go to the individual loan pages.
General finance loans
| Business Loan | Small Business Loan | BusinessVantage Secured Credit |
Business Revolving Credit |
|
|---|---|---|---|---|
| Type |
Installment loan | Installment loan | Revolving Credit | Revolving Credit |
| Purpose |
Purchasing assets | Additional fund | Standby buffer for operating account |
Standby buffer for operating account |
| Tenor |
Up to 5 years | 6 to 48 months | Short term | Short term |
| Repayment |
Flexible | Fixed monthly installment |
At any time at your discretion |
Only 4% on your monthly o/s balance |
| Amount |
Depends on need | Up to HKD 800,000 | Up to HKD 10,000 for BusinessVantage Secured Overdraft / Depends on need for Overdraft | HKD 50,000 - HKD 500,000 |
| Special features | No collateral or financial information required Approval within 48 hours |
Interest is only charged on the utilised debit balance |
No collateral or financial information required Approval within 48 hours |
Asset finance loans
| Equipment Finance | Taxi and Public Light Bus Financing | Commercial Mortgage | |
|---|---|---|---|
| Type |
Leasing and Hire Purchase | Hire Purchase | Mortgage |
| Purpose |
Purchase new or used equipment | Purchase of vehicle (new/used) and license | Purchase an investment property or premises |
| Tenor |
Up to 5 years | Up to 25 years | Up to 30 years |
| Repayment |
Both flat and floating interest available Monthly installment |
Both flat and floating interest available Monthly installment |
Reducing balance or straight line repayment option |
| Amount |
Up to 100% of equipment cost or value |
Up to 85% of the license value and vehicle cost | Up to 70% of cost or of valuation |
| Special features | Potential tax benefits Equipment can be located in HK or mainland China 'Sale and Leaseback' option available |
Loan application can be approved within 24 hours of receipt of all supporting documents by the Bank |
