Hong Kong SME finance, explained
Compare Hong Kong business loans with the numbers in view
Research banks, virtual banks, fintech lenders, the SME Financing Guarantee Scheme and grants. Compare real limits, structures and costs before you apply.
31business lenders tracked
HK$18mactive SFGS 80% ceiling
2.889%1-month HIBOR · 14 Sep 2026
357kHong Kong SMEs
Hong Kong data desk
Signals behind the funding market
Rates refresh from the HKMA feed when a newer official observation is available. Economic and scheme data show their reporting periods.
Checking HKMA feedHIBOR as at 14 Sep 2026
HIBOR term curve
14 Sep 2026Hong Kong dollar fixings
O/N2.28750%
1 week2.42750%
1 month2.88887%
3 months3.07476%
6 months3.27893%
12 months3.66589%
Fixings are reference rates, not SME loan offers. The lender margin, guarantee fee, floor and charges sit on top.
Current market
View all 31 lenders →A clearer starting point for business finance
Bank4.7 / 5
HSBC Hong Kong
Best for: Broad product range and established companies
- Published scale
- HK$1.5m unsecured; HK$18m SFGS
- Term
- Up to 60 months unsecured
- Process
- Digital or relationship process
SFGS 80%Business Instalment LoanSFGS 80%
Read researched review →Bank4.6 / 5
Hang Seng Bank
Best for: Fast digital SFGS and sustainability finance
- Published scale
- HK$8m digital SFGS; HK$18m general
- Term
- Up to 10 years under SFGS
- Process
- Approval-in-principle can be seconds
SFGS 80%Digital SFGSUnsecured instalment
Read researched review →Bank4.6 / 5
Bank of China (Hong Kong)
Best for: Small-business loans and equipment finance
- Published scale
- HK$2m Small Business Loan; HK$18m SFGS
- Term
- Up to 60 months small-business loan
- Process
- Selected cases advertise 48 hours
SFGS 80%Small Business LoanSFGS 80%
Read researched review →Bank4.6 / 5
Standard Chartered Hong Kong
Best for: Higher published unsecured limits
- Published scale
- HK$7.8m unsecured; HK$40m working capital
- Term
- Product dependent
- Process
- Online enquiry and relationship process
SFGS 80%Business Instalment LoanWorking capital
Read researched review →Bank4.5 / 5
DBS Hong Kong
Best for: Digital applications and seven-year terms
- Published scale
- HK$3m collateral-free; HK$10m secured
- Term
- Up to 7 years on selected products
- Process
- Selected cases in 3 working days
SFGS 80%Collateral-free loanSecured loan
Read researched review →Bank4.5 / 5
OCBC Hong Kong
Best for: Clearly published SFGS parameters
- Published scale
- HK$18m SFGS; express route HK$8m
- Term
- Up to 10 years
- Process
- Selected express applications
SFGS 80%SFGS fullSFGS Express
Read researched review →Published bank evidence
Compare all banks →Four current limits worth knowing before you call
These are product ceilings and conditions from the banks' own pages, not promised approvals.
HSBCHK$1.5m
Unsecured Business Instalment Loan, with terms up to 60 months.
Read review →Standard CharteredHK$7.8mPublished unsecured instalment ceiling, subject to operating-history and guarantee conditions.
Read review →DBSHK$3mCollateral-free public ceiling; secured business loans are shown up to HK$10m.
Read review →BOCHKHK$2mSmall Business Loan with up to 60 months and a stated complete-file fast route.
Read review →Broker and consultant reviews
View all 7 reviews →Know who prepares the file and who makes the decision
We reviewed public role, fee and claim disclosures, then added Hong Kong legal and data-safety checks.
Loan matching platform4.1 / 5
MoneyBuddy
Businesses that want one initial enquiry across a stated network of banks and finance companies
- Fee disclosure
- Clear on public site
SME finance consultant3.8 / 5
Galvox Fund
Cantonese-speaking SMEs considering SFGS, BUD, trade finance or invoice finance
- Fee disclosure
- Clear on public site
SME finance consultant3.2 / 5
Target Success Business Consultants
SMEs seeking finance-application support alongside broader business planning
- Fee disclosure
- Limited public detail
Hong Kong safety line
Confirm the named lender, written fee basis, data recipient and credit-search position. For a money-lender loan, verify both the licence and any appointed intermediary in the Companies Registry.
Open licence checks →Choose the structure
The loan type should follow the cash-flow job
A lower headline rate does not rescue the wrong repayment pattern.
01
Unsecured instalment
Fixed funding for a defined project, repaid monthly.
Compare structure →02Revolving credit
Redrawable capacity for recurring or seasonal gaps.
Compare structure →03Invoice finance
Earlier cash from eligible B2B receivables.
Compare structure →04Trade finance
Facilities that follow purchase, shipment and payment.
Compare structure →05E-commerce finance
Inventory and revenue funding linked to platform data.
Compare structure →06Equipment finance
Match productive-asset payments to useful life.
Compare structure →Government funding · July 2026
Use the 80% guarantee and grants for different jobs
The 80% SME Financing Guarantee Scheme supports repayable bank finance. The BUD Fund supports eligible project costs with matching cash. One is credit; the other is a grant with evidence and reimbursement rules.
Facility ceiling. Applications extended to March 2028.
Cumulative grant ceiling across up to 70 projects.
Per application from 15 June 2026.
Government-to-enterprise ratio on eligible cost.
Use the data
The benchmark is not the offer
Turn the HIBOR or prime reference into a comparable borrowing cost by adding margins, guarantee fees and mandatory charges.
Read the rate methodology →GDP growth+5.9%Q1 2026 year on year
SME receipts DI44.0June 2026 · below neutral
Approved SFGSHK$129.7bnat 3 Jul 2026
Tools and evidence
All free downloads →Make the decision auditable
Calculator
Loan repayment
Monthly payment, total interest and total repayment.
CalculatorFlat rate to APR
Expose the annualised cost behind a monthly flat rate.
DownloadQuote comparison sheet
Capture net proceeds, fees, instalments and guarantees.
EvidenceSource ledger
Official sources, dates and the facts each supports.
SME receipts remained in the contraction zone in June
The Census and Statistics Department's SME business-receipts diffusion index moved from 44.4 in May 2026 to 44.0 in June. A reading below 50 indicates deterioration after weighting.
Explore the market data →What lenders need
Bank statements, accounts, tax records, ageing, debt and a defensible repayment source.
Open checklist →Personal guarantees
Unsecured for the company can still mean personal liability for the owner.
Read the guide →Start with structure
Compare options →Compare the market before you send an application
No form submission and no personal data. Filter the research, then approach providers directly.