Licensed Hong Kong moneylender · 1848/2025
Drive a prosperous tomorrow
China Prestige Capital (中國駿匯資本) takes enquiries in Mong Kok for second mortgages, property owner loans, and personal loans. Each application is assessed on its own facts. Approval is not guaranteed.
忠告：借錢梗要還，咪俾錢中介
Money lender licence 1848/2025 · Enquiry and complaint hotline 3622 2934
The words “professional investment management” on the poster are brand artwork, not a service we offer. China Prestige Capital lends only under the Money Lenders Ordinance. We are not a bank, not an SFC-licensed corporation, we do not take deposits, and we do not provide securities or asset-management services.
Read this before you enquire
Loan enquiries
These are enquiry types, not a promise of credit. The APR does not exceed 48%. There is no single fixed term; the shortest period starts from one day.
How an enquiry works
01
Tell us
Use the form or WhatsApp to share the loan type, an approximate amount, and a phone number.
02
We may call
Staff may phone to confirm who you are. Check unexpected calls against 36222934.
03
Assessed individually
Approval, rate, and repayment are in writing. Do not pay an intermediary before that writing exists.
Fraud warning
Never give sensitive personal data or transfer money to a stranger. If a promotion, text, or email looks doubtful, call 36222934 and ask us to confirm it.
Loan guides
What a Hong Kong second mortgage is
How a second mortgage sits behind a first mortgage, who enquires, and why valuation, existing debt, and repayment ability decide the outcome. No approval is promised.
Owner loan and personal loan: the difference
How a Hong Kong owner loan, which looks at property, differs from an unsecured personal loan, and why the two enquiries are not interchangeable.
How to check a Hong Kong money-lender licence
How to match licence 1848/2025 to China Prestige Capital, and why you should call 3622 2934 yourself before trusting a caller.
The 48% APR cap, explained
What the Hong Kong money-lender APR ceiling means, how a flat rate differs from APR, and why the HK$20,000 example is not your repayment.
Why you should not pay a loan broker
What the Hong Kong warning about intermediaries means, how advance-fee scams work, and why a licensed-lender enquiry should not be prepaid.
Why a second mortgage looks at valuation
How a Hong Kong property valuation affects a second-mortgage enquiry, why a valuation is not a loan promise, and how the first mortgage reduces the margin.
- The flat already has a mortgage. What to consider
- What to prepare for a personal-loan enquiry
- How repayment ability is assessed
- How to spot a fake money-lender call or text
- What happens after you send an enquiry
- Enforcement risk and independent legal advice
- Enquiring with a licensed lender in Mong Kok
- Cash-out when the flat has no mortgage
- What a property cash-out means
- Consolidating balances into one repayment
- Remortgage and second mortgage: the difference
- A further advance and a second mortgage
- What a Hong Kong mortgage is
- An owner loan on a rented flat
- Cashing out the home you live in
- Joint owners and a secured loan
- Age, title, and a second-mortgage enquiry
- Early repayment and refinancing
- HOS, subsidised flats, and public rental housing
- You own a flat and will not charge it
- “No income proof” loan advertisements
- Self-employed and commission income
- Banks, finance companies, and licensed money lenders
- Borrowing to pay tax
- Short-term loans for a cash gap
- After a missed repayment
- Before you guarantee someone else’s loan
- Do not use a parent’s home to borrow
- “Same-day approval” advertisements
- “Identity card only” loan claims
- How to read a repayment schedule
- Borrowing to repay another loan
Questions
+Are you a bank?
No. China Prestige Capital is a licensed Hong Kong moneylender. The licence number is 1848/2025.
+Is there a cap on the interest rate?
Under the Money Lenders Ordinance, the APR does not exceed 48%. Your rate is set only after assessment and in writing.
+Is the HK$20,000 example my repayment?
No. That example is illustrative. Approval depends on the applicant's actual circumstances.
+Someone asked me to pay a broker first. Should I?
No. Borrowed money has to be repaid, and you should not pay an intermediary. If in doubt, stop contact and call 36222934.
Ask about your own circumstances
Submit an enquiry or message us on WhatsApp. Sending an enquiry is not an approval.