Handling fees are calculated based on the repayment period:

▸12-month repayment period: 5% of the principal

▸24-month repayment period: 8% of the principal

💡The handling fee is deducted directly from the loan disbursement amount. For example, if you are approved for a loan of HKD 100,000 with a 12-month repayment period, after deducting the 5% handling fee, the net disbursement amount will be HKD 95,000, with a monthly repayment of HKD 8,333.33.