Dedicated 100% Loan Guarantee Scheme

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The Dedicated 100% Loan Guarantee Scheme (DLGS), launched by HKMC Insurance Limited (HKMCI), aims at supporting the passenger transport operators and the licensed travel agents in its post-pandemic recovery, with a view to complementing the pace of resumption of inbound and outbound tourism activities.

Product highlights

  • Term loan facility¹ targeted at 5 specified industry sectors
  • Repayment period up to 10 years
  • Fixed monthly repayment instalment amount
  • Current interest rate: 3.5% p.a.²
  • Optional principal repayment holiday up to 12 months

5 specified industry sectors:

  • 01 – Licensed Travel Agents
  • 02 – Local Tour Coach Registered Owners
  • 03 – Cross-boundary Coach Registered Owners
  • 04 – Cross-boundary Hire Car Registered Owners
  • 05 – Cross-boundary Ferry Registered Owners/ Operators

Eligibility for DLGS

  • Possessing good loan repayment record3
  • Refer to factsheet for details of eligibility criteria

How to apply⁴

  • Please download and complete ALL the below forms

Application forms

Application Form for DLGS (PDF, 963KB)

Guarantee by Individuals (PDF, 395KB)

DLGS - Application Form (DLGS102(B)) (PDF, 552KB)

Application result will be notified by post. Please ensure your bank recorded correspondence address is up-to-date.

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

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