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Equipment Financing



We are keen to help you expand your business and improve efficiency with our Equipment Financing that offers you ready cash to acquire business installations and equipment(1):
Hire purchase or leasing
Low interest rate
Flat or floating interest rates
Financing available for up to 100%(2) of the purchase price of the machinery
Flexible repayment period of as long as 60 months

Apply online and enjoy $100 Commercial Card Cash Dollars upon approval(3,4)!

Easy Clinic Plan


Hang Seng Easy Clinic Plan is a comprehensive service package specially designed to provide you with the seamless assistance you need to start your medical practice.
Flexible financing structure plus High Loan Amount
Equipment Financing
Up to HKD500,000 or 100% of the purchase price of equipment, whichever is lower*
Unsecured Instalment
Loan Up to HKD200,000
Up to HKD200,000 or 50% of total loan size, whichever is lower
"Interest Only" repayment plan - For equipment financing**, you can choose to repay interest only in the first year after loan drawdown
Unique repayment holiday - You can extend the first-three month repayment of both principal and interest after the drawdown of instalment loan
One-stop solution - Offers a host of preferential banking services that cater for your day-to-day operational needs, including Mandatory Provident Fund, payroll and property agency services

Notes:
(1) Business installations and equipment may include machinery, tools, computer software and hardware, communication systems, office equipment, transport facilities, furniture and fixtures (e.g. air-conditioning system, built-in cabinets, lighting system, etc. Decoration works are not included).
(2) Only applicable to leasing. If you choose hire purchase, the maximum loan amount is 90% of the purchase price of the machinery and equipment.
(3) Only applicable to customers who hold a Hang Seng Commercial Card. If a customer spends or makes cash advances within 2 months after the loan drawdown, $100 Cash Dollars will be credited to the Commercial Card account being used to make the first spending or cash advances by the company within eight to 10 weeks after the posting date of relevant spending transaction.
(4) The Bank reserves the right to change this offer and the related terms and conditions without prior notice. In case of disputes, the decision of the Bank shall be final.

* Applicable to leasing option only. For hire purchase option, maximum loan amount will be HKD500,000 or 90% of the purchase price of equipment, whichever is lower.
** Only applicable to hire purchase with floating rate option.
 
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Flat-Rate Instalment Loan
Floating-Rate Instalment Loan


Reference Rate

Hang Seng's HKD Prime Rate


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