Staff

Retirement Scheme – 1995 Scheme

1995 Scheme

Staff Loan

General Information

  • Rules for Staff Loans (Eng / Chi
  • Staff Loan Application Form (Eng/ Chi)
  • Staff Loan Notice of Repayment Form (Eng/Chi)

Staff Loan Interest Rate

Effective from 28 December 2021, the interest rate is the one-month HKD Hong Kong Inter-bank Offered Rate (HIBOR) plus 1.05% per annum (capped at 3.4% per annum below HKD Prime Rate fixed by Bank of China (Hong Kong) Limited).

Rate Table

Interest Period Interest rate p.a.
28/12/2021 – 27/1/2022 1.24369%
28/1/2022 – 27/2/2022 1.24607%
28/2/2022 – 27/3/2022 1.25071%
28/3/2022 – 27/4/2022 1.36280%
28/4/2022 – 29/5/2022 1.25798%
30/5/2022 – 27/6/2022 1.24417%
28/6/2022 – 27/7/2022 1.60%
28/7/2022 – 28/8/2022 1.60%
29/8/2022 – 25/9/2022 1.60%
26/9/2022 – 27/9/2022 1.725%
28/9/2022 – 27/10/2022 1.725%
28/10/2022 – 27/11/2022 1.725%
28/11/2022 – 27/12/2022 1.975%

View Account Balances and Submit Investment Options Re-allocation Instruction

Information for Leaving and Retiring Members