Hong Kong Finance Group Limited (the Company) has disclosed a transaction under Chapter 14 of the Listing Rules. According to the announcement dated 11 February 2026, its indirect wholly-owned subsidiary, Hong Kong Finance Company Limited (HK Finance), entered into a New Loan Agreement with three individual borrowers for a principal amount of HK$13,000,000.

Under the terms of the New Loan Agreement, the loan bears interest at 1.5% per month (i.e. 18% per annum) for a 12-month term, secured by a second mortgage over two residential properties and two car parking spaces located on Conduit Road, Hong Kong. An independent valuer assessed the collateral’s total valuation at approximately HK$135,000,000 as of 9 February 2026.

Prior to this, HK Finance granted a Previous Loan of HK$43,000,000 to two of the same borrowers under a separate arrangement dated 30 October 2025. As both loans were issued within a 12-month period, the aggregate applicable percentage ratios exceed 5% but are less than 25%, making the grant of the New Loan a discloseable transaction.

The Company stated that the New Loan aligns with its ordinary course of business, with repayment expected to be supported by the borrowers’ repayment history and the secured prime-location properties. The funds will be sourced from the Group’s general working capital. The Board believes the terms of the loan to be fair and reasonable, contributing to stable revenue and cashflow from interest income.