個人
Personal loans
Instalment loans for Hong Kong residents with verifiable income, repaid on a fixed schedule.
HS Equities (HK) Limited is a licensed money lender under the Money Lenders Ordinance (Cap. 163), holding Money Lender's Licence No. 821/2026. We lend our own funds to individuals and businesses in Hong Kong.
Every loan is made under a written agreement stating the effective annual interest rate. We charge nothing in advance and we work with no intermediaries.
Every application is assessed on the borrower's ability to repay. Approval is never guaranteed, and nothing binds you until you sign.
Instalment loans for Hong Kong residents with verifiable income, repaid on a fixed schedule.
Working capital for Hong Kong companies and sole proprietors, assessed on accounts and cash flow.
Loans secured on Hong Kong property after independent valuation, with the risk to the property explained in writing.
An effective annual rate above 48% is a criminal offence; the agreement is unenforceable.
Above 36% a year, a rate is presumed extortionate and the court may reopen the loan.
The signed agreement must be in writing, and a copy given to you within 7 days.
No fee of any kind is payable to us before a loan is made.
Six things a "lender" might say to you. Decide for each one, then see the explanation.
Call or e-mail. We explain whether a loan suits you and what to bring.
HKID, proof of address and income; company records for business loans; title documents for secured loans.
Amount, term, effective annual rate, schedule and every charge, in writing.
At our office; your copy is handed to you, and funds go to your own bank account.
Search "HS Equities (HK) Limited" or "恆實投資有限公司" in the Companies Registry's published list of money lenders licensees. Our licence number is 821/2026.
No. "Equities" is part of our registered name only. We are not licensed by the Securities and Futures Commission and do not deal in, advise on or manage securities. Our business is money lending under Cap. 163.
No. We are a licensed money lender, not an authorized institution, and we do not take deposits.
No. You deal with our office directly. Do not pay anyone who claims to arrange a loan with us.
This website concerns only HS Equities (HK) Limited (恆實投資有限公司), Licence No. 821/2026. Companies with similar English initials or Chinese names are separate entities.
Visits by appointment on business days.