SME Financing Guarantee Scheme
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Remarks:

1. The SFGS is provided by The HKMC Insurance Limited (“HKMCI”), a wholly-owned subsidiary of the Hong Kong Mortgage Corporation Limited (“HKMC”). The facility type, maximum facility amount, and maximum guarantee period are set in accordance with the scheme features determined by HKMCI. A guarantee fee will be applied and is subject to the credit facility amount, bank interest rate and the guarantee coverage as determined by the HKMCI from time to time. For details, please visit the website of the HKMC.
2. The application period for the 80% Guarantee Product last until 31 March 2028.
3. Hang Seng Bank Limited ("Hang Seng") has the absolute discretion to reject any application or to approve a credit facility of a lesser amount than the customer have applied for. The final approved credit facility amount, interest rate, fees and charges and other terms and conditions are subject to the relevant loan documents to be accepted and signed by the customer. Hang Seng reserves the right of final approval.
4. Applications will be followed up by a relationship manager. Customers are required to submit the necessary documents to the relationship manager for review and follow-up as requested. Hang Seng reserves the right to request for any relevant supporting documents/information. Hang Seng has absolute discretion to reject any application or to approve a lower loan amount than applied for, without providing any reason. The final approved loan amount, interest rate, fees, and other terms and conditions are subject to the relevant loan documents accepted and signed by the customer. Hang Seng reserves the right of final approval. For any enquiries, please contact your dedicated relationship manager or reach us via the SME Business Loan Hotline at +852 2198 8033.
5. Hang Seng reserves the right to request any further supporting documents / information.

Terms and Conditions for Application Privileges of Guarantee Fee Subsidy:

1. The following promotions (collectively, the “Promotions”) are offered by Hang Seng Bank Limited (“Hang Seng” or the “Bank”) from 1 January 2026 to 30 June 2026, both dates inclusive (“Promotion Period”):
   
   1. Application Privileges of Up to HK$50,000 Guarantee Fee Subsidy;
2. Hang Seng shall determine the eligibility of each Hang Seng commercial customer to be an Eligible Customer and each Eligible Customer’s entitlement to the Promotions, based on the Bank’s record. In case of any dispute, Hang Seng’s decision shall be final and conclusive.
3. The Promotions cannot be used in conjunction with other promotional offers.
4. The Bank reserves the right to suspend, vary or terminate the Promotions and other relevant offers at any time and to amend these Terms and Conditions from time to time without prior notice.
5. In case of any dispute relating to the Promotions, the decision of the Bank shall be final, conclusive, and binding on all the parties concerned.
6. No person other than an Eligible Customer and the Bank (including its successors and assignees) shall have any right under the Contracts (Rights of Third Parties) Ordinance (Cap. 623) to enforce or enjoy the benefit of any of the provisions of these Terms and Conditions.
7. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
8. These Terms and Conditions are subject to prevailing regulatory requirements.
9. The English version of these Terms and Conditions shall prevail in the event of any discrepancy between the English and Chinese versions.

A. Application Privileges of Up to HK$50,000 Guarantee Fee Subsidy:

1. This Promotion is applicable to Hang Seng commercial customers which:-
   
   1. submit their applications for 80% Guarantee Product under SME Financing Guarantee Scheme (“80% Guarantee Product”) via “general digital application process” during the Promotion Period; and
   2. the related loans are approved and drawn down or become effective on or before 30 October 2026, (each an "Eligible Customer" for the purpose of this Section A).
2. Each Eligible Customer which applied on Hang Seng Business Online Application Platform is entitled to a subsidy equal to
   
   1. the single upfront guarantee fee; or
   2. the first annual guarantee fee paid (if the Eligible Customer chooses to pay the guarantee fee on an annual basis), subject to a maximum subsidy amount of HK$50,000.
3. Each Eligible Customer which applied via other channels is entitled to a maximum subsidy of HK$25,000.
4. The applicable subsidy will be credited to the bank account of each Eligible Customer that is used to settle the guarantee fee with HKMCI within TWO(2) weeks after the related loans are approved and drawn down or become effective.

General Terms and Conditions:

• The above offers cannot be used in conjunction with other promotional offers. Hang Seng reserves the right to suspend, alter or terminate the above privileges and amend these terms and conditions at any time without prior notice. In case of disputes, Hang Seng reserves the right of final decision.
• These terms and conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
• These terms and conditions are subject to prevailing regulatory requirements.
• No person other than the customers and Hang Seng (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these terms and conditions.
• The English version of these terms and conditions shall prevail whenever there is a discrepancy between the English and Chinese versions.