Hang Seng Sustainable Finance Solutions - Lending - Scale Your Business - Business Banking Services

Sustainability in Your Business:

We think of Sustainability as our long term strategy to continue delivering for our customers whilst safeguarding the world we live in for future generations.

Hang Seng Sustainable Finance Products:

Green Loans
Green loans are the corporate loan with specific loan purpose on financing or refinancing, in whole or in part, of new or existing eligible Green Projects, fulfilling Green Loan Principles.

Social Loans
Social Loans are made available for the finance or re-finance of eligible Social Projects included, but not limited to, essential services (such as public health / healthcare, education and vocational training), affordable housing, food security and sustainable food systems and socioeconomic advancement and empowerment, fulfilling Social Loan Principles.

Sustainability Linked Loans
Sustainability Linked Loans are made available to facilitate and support environmentally and socially sustainable economic activities and growth; and link the borrower’s cost of capital to ESG and sustainability metrics, fulfilling Sustainability-Linked Loan Principles.

Promotion Privilege:

Up to HKD 200,000 cash rebate* to support businesses for sustainable development.

* Offers are subject to terms and conditions.

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

Terms and Conditions:

Cash rebate is only applicable for Borrowers with approved term loan, instalment loan or revolving credit facility (the “Facility”) of loan size below HKD 100 million (or the equivalent in foreign currency based on such foreign exchange rate as Hang Seng may prescribe) which is classified as any one type of the Sustainable Finance listed above in accordance with the terms and conditions of such Sustainable Finance as set out in the relevant loan documents. The entitlement of the cash rebate is also subject to the Borrower fulfilling all of the following conditions to the satisfaction of Hang Seng in all aspects: (i) complete and sign the relevant Application Form for Cash Rebate;; (ii) submit the evidence of expenses charged by the External Reviewer, (iii) the Facility shall remain as one type of Sustainable Finance listed above during the entire loan outstanding period; and (iv) the Sustainable Finance (or any part of it) has been drawn down on or before 31 May 2025.
The maximum cash rebate amount entitled by a Borrower is the lowest of (i) 0.5% or any other higher rate as approved by Hang Seng of the loan amount; (ii) HKD200,000 and (iii) 100% of the Eligible Expenses charged by the External Reviewer. For revolving credit facility, item (i) is 0.5% or such other higher rate as approved by Hang Seng on the average utilized amount during the 12 months starting from the first drawdown.
The application for cash rebate is limited to one submission per Facility.
The External Reviewer must be one of the external reviewers under the Recognised External Reviewer List of the Hong Kong Monetary Authority Green and Sustainable Finance Grant Scheme.
Eligible Expenses refers to the related fees for pre-issuance external review (including, for example, certification, second-party opinion, verification, ESG scoring/rating, assurance, consultation to develop the green and sustainable loan framework) in relation to the Facility. In the case of any disputes on the Eligible Expenses, Hang Seng reserves the right of final decision.
The designated currency for the cash rebate is HKD. For non-HKD term/instalment loan/revolving credit facility, at the time of crediting the cash rebate, the prevailing foreign exchange rate determined by Hang Seng at the relevant time will be used to convert the cash rebate amount from non-HKD into HKD.
Hang Seng reserves the right to suspend, alter or terminate the above privilege and amend these Terms and Conditions at any time without prior notice. In case of disputes, Hang Seng reserves the right of final decision.
No person other than the Borrower and Hang Seng (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these Terms and Conditions.
These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
These Terms and Conditions are subject to prevailing regulatory requirements.
In case of any discrepancy between the English and Chinese versions of the above content, the English version shall prevail.