A thriving innotech community is the growth engine for a prosperous economic future. As an ardent supporter of innovation and technology, Hang Seng Commercial Banking collaborates with Hong Kong Science & Technology Parks Corporation (HKSTP) to take the lead in launching the Inno Booster@HKSTP business solutions, a carefully selected assortment of financial products and exclusive privileges designed exclusively for innovation and technology ("I&T") companies in the HKSTP ecosystem. By equipping tech elites with the help they need, we empower them to take off and soar to new heights!
Biz Virtual+ Account is suitable for businesses that
  • are start-ups or started to grow
  • hope to open one more business account to enjoy comprehensive e-Banking services and omni-channel support
  • prefer using e-banking, mobile banking, machines or phone to manage the business account
Offer for opening a new Biz Virtual+ Account
From now till 31 December 2022, companies in HKSTP ecosystem successfully open a new Biz Virtual+ Account to enjoy HKD400 Fortress Cash Coupon!
A dedicated support team to follow up on the account opening procedure
Account opening procedure can be completed as soon as 3 days after the required documents are submitted successfully
Open a Biz Virtual+ Account and Enjoy Waivers for the Account Opening Administrative Fee (HKD1,200) and the First 24-month Monthly Fee (HKD4,800)!
Priority Approval on “Inno Booster Loan”
All incubatees and tenants of HKSTP ecosystem who have successfully joined the Innovation and Technology Commission’s Research Talent Hub can apply for Inno Booster Loan!
  • Enjoy priority approval for a HKD500,000 fixed loan
  • Easy application without any requirement for asset collateral or financial reports / bank statements
  • ZERO interest – just pay a one-off handling fee of HKD22,000 in the form of an added loan instead
  • 24-month repayment period
The total loan amount of the "Inno Booster Loan" is HKD522,000, including a fixed loan (HKD500,000) and a one-off service charge in the form of an added loan (HKD22,000). The Annualised Percentage Rate ("APR") based on a 24-month tenor will be 4.25%. Annualised percentage rates are calculated using the Net Present Value Method in accordance with the Code of Banking Practice. The annualised percentage rates are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
SME Financing Guarantee Scheme ("SFGS")
Guaranteed coverage of 80%, 90% and 100% of the credit facilities provided by the HKMC Insurance Limited


Special 100% Loan Guarantee* 90% Guarantee Product 80% Guarantee Product
Maximum Facility Amount HKD9,000,000 HKD8,000,000 HKD18,000,000
Maximum Guarantee Period 10 years 5 years 7 years
* The enhancement details and launch date of Enhancements to the SFGS will be subject to the final announcement from HKMCI.

For more details, please visit hangseng.com/sfgs_promo

The SME Financing Guarantee Scheme is provided by the HKMC Insurance Limited (“HKMCI”), a wholly-owned subsidiary of the Hong Kong Mortgage Corporation Limited (“HKMC”). 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. Application of Special 100% Loan Guarantee are entitled to HKMCI’s full guarantee fee waiver. For details, please visit the website of the HKMC.
Act Now! Talk to us about your finance needs:

Call 2198 8022 (select language and press 1>7)

Email to innobooster@hangseng.com

To borrow or not to borrow? Borrow only if you can repay!