80% Guarantee Product of the SME Financing Guarantee Scheme:

• The maximum annual guarantee fee is 0.45% of the loan or credit limit (if applicable)

• Borrowing companies can pay the guarantee fee on an annual basis, while term loans can choose to pay the guarantee fee in advance in one lump sum.

• The one-time guarantee fee paid in advance can also be financed through related loans. Enterprises can use the scheme’s guarantee fee calculator (SME Financing Guarantee Fee Calculator (hkmc.com.hk)) on the Hong Kong Mortgage Corporation’s website (www.hkmc.com.hk) to get a preliminary understanding of the guarantee fee for reference, and contact your program's lender for details.

90% Guarantee Product of the SME Financing Guarantee Scheme

• Borrowing enterprises that have been operating in Hong Kong for more than 3 years: up to 0.36% of the loan amount

• Borrowing enterprises that have been operating in Hong Kong for 3 years or less: up to 0.45% of the loan amount

• The borrowing enterprise can pay the guarantee fee annually, or choose to pay the guarantee fee in advance in one lump sum.

• The one-time guarantee fee paid in advance can also be financed through related loans. Enterprises can use the scheme’s guarantee fee calculator (SME Financing Guarantee Fee Calculator (hkmc.com.hk)) on the Hong Kong Mortgage Corporation’s website (www.hkmc.com.hk) to get a preliminary understanding of the guarantee fee for reference, and contact your program's lender for details.