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Important Announcement

Notice of Adjustment to Non-means-tested Loan Schemes Interest Rate
The interest rate of the Non-means-tested Loan Schemes has been adjusted from 1.106% to 1.27% per annum with effect from 1 June 2021. The overdue interest rate is currently charged at 5.083% per annum. For enquiries, please contact 2150 6211 or 2150 6212.


Faster Payment System (FPS) was introduced as a repayment method of SFO in November 2021. You can use the mobile banking app or e-wallet that supports Government FPS bill payments to pay SFO demand notes printed with FPS QR code.

In accordance with the terms and conditions of the student financial assistance schemes, you should notify SFO immediately in writing if you intend to leave the Hong Kong Special Administrative Region for a period longer than 3 months or to emigrate. Upon receipt of such notification, unless SFO has otherwise come to an agreement with you concerning the repayment arrangement or unless SFO is satisfied that you shall be able to continue to repay the loan based on the original repayment schedule, SFO could demand your immediate repayment of all outstanding balance of the loan, interest, overdue interest (if any), surcharge (if any), administrative fee (if any) and any other expenses.

The Finance Committee of the Legislative Council approved on 15 February 2022 an extension of the interest-free deferral of loan repayment for student loan repayers for another two years from 1 April 2022. Please click here for details.