Loan Note for Hong Kong

Loan Note Template for Hong Kong

A Hong Kong law-governed Loan Note is a formal debt instrument that evidences and documents a loan agreement between a lender and borrower. It contains detailed terms regarding the loan amount, interest rate, repayment schedule, and other key provisions. The document complies with Hong Kong regulatory requirements, including those under the Money Lenders Ordinance and Securities and Futures Ordinance where applicable. It can be used for both corporate and individual borrowing, and may include security arrangements, guarantees, and specific covenants depending on the nature of the transaction.

Your data doesn't train Genie's AI

You keep IP ownership of your information

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Download a Standard Template

4.6 / 5
4.8 / 5
Access for free
OR

Alternatively: Run an advanced review of an existing
Loan Note

Let Genie AI's market-leading legal AI identify missing terms, unusual language, compliance issues and more - in just seconds.
Upload your Doc

What is a Loan Note?

The Loan Note is a crucial financing document used in Hong Kong to formalize lending arrangements and create legally binding obligations between parties. It serves as both evidence of debt and a contractual framework governing the lending relationship. When drafting a Loan Note under Hong Kong law, consideration must be given to regulatory requirements, including interest rate restrictions, registration requirements, and stamp duty obligations. The document is commonly used in various contexts, from simple bilateral loans to complex corporate financing arrangements, and can be either secured or unsecured. The contents typically cover loan amount, interest calculations, repayment terms, events of default, and enforcement mechanisms, with additional provisions for security or guarantees where applicable.

What sections should be included in a Loan Note?

1. Parties: Identifies the lender and borrower with full legal names and addresses

2. Background: Sets out the context of the loan and purpose

3. Definitions: Defines key terms used throughout the document

4. Loan Amount and Purpose: Specifies the principal amount and permitted use of funds

5. Interest: Details the interest rate, calculation method, and payment frequency

6. Repayment Terms: Specifies repayment schedule, method, and prepayment provisions

7. Representations and Warranties: Standard declarations by the borrower about their status and capacity

8. Covenants: Ongoing obligations of the borrower during the term of the loan

9. Events of Default: Lists circumstances that constitute default and consequences

10. Payments: Details payment mechanics, currency, and timing

11. Notices: Specifies how formal communications between parties should be made

12. Assignment: Provisions regarding transfer of rights under the note

13. Governing Law and Jurisdiction: Confirms Hong Kong law governs and jurisdiction for disputes

What sections are optional to include in a Loan Note?

1. Security: Required if the loan is secured by any assets or guarantees

2. Guarantor Provisions: Include when there is a guarantor for the loan

3. Tax Gross-Up: Include if tax implications need to be addressed explicitly

4. Change of Control: Include for corporate borrowers where ownership changes may affect the loan

5. Financial Covenants: Include for corporate borrowers where financial metrics need to be maintained

6. Information Undertakings: Include when regular financial or other reporting is required

7. Transferability: Include if the note is intended to be transferable or tradeable

8. Subordination: Include if the loan needs to be subordinated to other debt

What schedules should be included in a Loan Note?

1. Repayment Schedule: Detailed breakdown of repayment dates and amounts

2. Form of Transfer Certificate: Standard form for transferring the note if transferable

3. Security Details: Description of any security or collateral if applicable

4. Calculation of Interest: Detailed methodology for interest calculations if complex

5. Form of Drawdown Notice: Standard form for requesting disbursement if multiple drawdowns

6. Financial Covenant Calculations: Formulas and methods for calculating financial covenants if applicable

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Jurisdiction

Hong Kong

Publisher

Genie AI

Document Type

Loan Agreement

Sector

Banking

Cost

Free to use
Relevant legal definitions
Clauses
Relevant Industries

Financial Services

Banking

Investment Management

Real Estate

Private Equity

Corporate Finance

Manufacturing

Technology

Retail

Healthcare

Infrastructure

Energy

Relevant Teams

Legal

Finance

Treasury

Credit

Risk

Compliance

Corporate Secretariat

Investment

Operations

Business Development

Relevant Roles

Chief Financial Officer

Finance Director

Treasury Manager

Corporate Lawyer

Legal Counsel

Finance Manager

Investment Manager

Credit Officer

Loan Officer

Compliance Officer

Risk Manager

Corporate Secretary

Managing Director

Chief Executive Officer

Financial Controller

Industries
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

Find the exact document you need

Private Money Lending Contract

A Hong Kong law-governed agreement establishing terms and conditions for private money lending, compliant with the Money Lenders Ordinance.

find out more

Loan Contract Document

A Hong Kong law-governed agreement establishing terms and conditions for lending arrangements, including loan amount, interest, repayment terms, and parties' obligations.

find out more

Interim Employment Contract

Hong Kong law-governed contract for temporary employment arrangements, compliant with local employment legislation.

find out more

Deed Of Sale With Assumption Of Mortgage

A Hong Kong law-governed deed that combines property sale terms with the transfer of existing mortgage obligations from seller to buyer.

find out more

Employee Endorsement Letter

A Hong Kong-compliant formal document that confirms and legally binds changes to existing employment terms between an employer and employee.

find out more

Borrowing Agreement

A Hong Kong law-governed agreement establishing terms and conditions for a loan between lender and borrower, including loan amount, interest, repayment terms, and parties' obligations.

find out more

Deed Of Sale Transfer Of Rights Ownership And Obligations

A Hong Kong law-governed deed that formally documents and effects the transfer of rights, ownership, and obligations between parties.

find out more

Temporary Layoff Letter

A Hong Kong-compliant formal notice implementing a temporary suspension of work duties while maintaining the employment relationship.

find out more

Loan Agreement With Interest

A Hong Kong law-governed agreement establishing terms for a loan with interest, including disbursement, repayment, and security provisions.

find out more

Loan Agreement Between Companies

A Hong Kong law-governed agreement setting out terms and conditions for a corporate loan between two companies, including loan amount, interest, repayment terms, and security arrangements.

find out more

Limited Partnership Subscription Agreement

A Hong Kong-governed agreement detailing the terms and conditions for an investor's subscription to a limited partnership fund, including capital commitments and regulatory compliance requirements.

find out more

Peer Review 360 Degree Feedback

Hong Kong-compliant agreement for implementing 360-degree peer review feedback processes, ensuring legal and structured performance evaluation.

find out more

Letter Of Credit Fee

A Hong Kong-governed banking document that establishes the fee structure and terms for letter of credit services between a bank and its client.

find out more

Car Parking Sale Agreement

A Hong Kong law-governed agreement for the sale and purchase of a car parking space, detailing transaction terms and ensuring legal transfer of ownership.

find out more

Bilateral Investment Agreement

A Hong Kong law-governed agreement establishing investment terms and protections between two parties, with comprehensive provisions for investment management and dispute resolution.

find out more

Debt Agreement Contract

A Hong Kong law-governed agreement establishing terms and conditions for a lending relationship, including loan amount, interest, repayment terms, and security arrangements.

find out more

Personal Liability Waiver

A Hong Kong law-governed liability waiver document that enables parties to release claims against service providers or activity organizers while maintaining compliance with local legislation.

find out more

Parent Legal Guardian Consent Form

A Hong Kong law-compliant consent form for parents/legal guardians to authorize activities or services involving their minor children.

find out more

On Hire Labour Agreement

A Hong Kong law-governed agreement establishing employment terms between a labor hire company, worker, and host company for temporary or contract-based employment arrangements.

find out more

Overfacility Agreement

A Hong Kong law-governed agreement setting out terms for exceeding normal credit facility limits, including utilization conditions, pricing, and security arrangements.

find out more

Simple Month To Month Lease Agreement

A Hong Kong-governed monthly lease agreement establishing flexible rental terms between landlord and tenant with standard termination notice periods.

find out more

Loan Note

A Hong Kong law-governed debt instrument documenting loan terms, repayment obligations, and security arrangements between lender and borrower.

find out more

Loan Agreement With Guarantor

A Hong Kong law-governed agreement establishing a loan arrangement with third-party guarantee support, compliant with local lending regulations.

find out more

Internal Invoice

A Hong Kong-compliant internal billing document used for recording and tracking inter-departmental or inter-entity transactions within an organization.

find out more

Credit Invoice

A Hong Kong-compliant document that combines an invoice with credit terms, detailing payment obligations and credit conditions under Hong Kong law.

find out more

Warehouse Lease Agreement

A Hong Kong-governed agreement establishing terms and conditions for warehouse property leasing, including operational requirements and safety standards.

find out more

Short Term License Agreement

A Hong Kong-law governed agreement granting temporary permission to use property, space, equipment, or rights, establishing key terms and conditions for short-term arrangements.

find out more

Secured Letter Of Credit

A Hong Kong law-governed financial instrument combining a traditional letter of credit with security arrangements, providing enhanced protection through collateral pledging while following UCP 600 and local regulations.

find out more

Paycheck Direct Deposit Form

Hong Kong-compliant form for setting up employee salary direct deposit arrangements.

find out more

Loan For Use Agreement

A Hong Kong-governed agreement establishing terms for the temporary, free use of property or equipment, defining rights and obligations under Hong Kong law.

find out more

Loan Facility Letter

A Hong Kong law-governed document setting out terms and conditions for lending facilities, serving as both an offer letter and binding agreement when accepted.

find out more

Loan Agreement Term Sheet

A preliminary document outlining key terms and conditions for a proposed loan facility under Hong Kong law and banking regulations.

find out more

Non Fixed Term Employment Contract

A Hong Kong law-governed permanent employment contract establishing terms and conditions for ongoing employment relationships.

find out more

International License Agreement

A Hong Kong law-governed agreement establishing terms for international licensing of intellectual property rights, technology, or proprietary information between parties from different jurisdictions.

find out more

Intercompany Reimbursement Agreement

Hong Kong law-governed agreement establishing framework for intercompany expense reimbursements, including compliance with local transfer pricing regulations.

find out more

Inter Corporate Deposit Agreement

A Hong Kong law-governed agreement establishing terms for corporate-to-corporate deposit arrangements, including deposit terms, interest, and repayment conditions.

find out more

Global SLA

A Hong Kong law-governed global service level agreement defining cross-border service delivery standards and performance metrics.

find out more

Forfeit Deposit Letter

A Hong Kong law-governed formal notice declaring the forfeiture of a deposit due to contract breach or specified conditions.

find out more

Family Lease Agreement

A Hong Kong-governed lease agreement for residential property rental between family members, establishing legal rights and obligations while considering familial relationships.

find out more

Debt Acknowledgement Form Iou

A Hong Kong law-governed document that formally acknowledges a debt obligation and its repayment terms between parties.

find out more
See more related templates

Genie’s Security Promise

Genie is the safest place to draft. Here’s how we prioritise your privacy and security.

Your documents are private:

We do not train on your data; Genie’s AI improves independently

All data stored on Genie is private to your organisation

Your documents are protected:

Your documents are protected by ultra-secure 256-bit encryption

We are ISO27001 certified, so your data is secure

Organizational security:

You retain IP ownership of your documents and their information

You have full control over your data and who gets to see it

2 Docs LeftAccess Now