General Accounting & Financial Management Service

This is a fixed annual fee for standard personal services (suitable for individuals with simple finances, e.g., salary income + debt repayments). Additional complex needs (e.g., investment tracking, multiple properties) may incur extra charges quoted separately. No hidden fees; transparent and compliant with IRD requirements.

APR: 0.00%
Loan Range:
HK$ 0 - 0
Period: 0-0 months

• Annual personal tax return preparation and filing (BIR60 / salaries tax) Basic monthly/quarterly personal bookkeeping and expense tracking Customized budgeting and cash flow planning to support debt repayment Financial statement review (income
• expenses
• assets/liabilities) for debt recovery monitoring Advice on tax deductions/allowances relevant to debt situations (e.g.
• home loan interest
• MPF) Liaison with IRD for queries or assessments during/after debt relief 12-month access to secure online portal for document upload
• reports
• and advisor support

Loan Referral & Matching Service consultation service

This is a low fixed fee for professional assessment, lender matching, and application support. No success-based fees; we earn from lender partnerships if approved. Actual loan terms (interest, amount, tenor) depend on the lender's approval.

APR: 1.80%
Loan Range:
HK$ 10,000 - 1,000,000
Period: 12-120 months

• Free initial eligibility check for debt consolidation or personal loan options Confidential assessment of your current debts
• income
• credit profile
• and post-IVA/DRP suitability Matching to 5+ partnered lenders (banks
• virtual banks
• licensed money lenders) with competitive rates (e.g.
• low APR promotions) Preparation and submission support for loan applications (documents
• forms
• explanations) Priority handling for debt consolidation loans (up to 24x salary
• up to 84 months tenor
• cash rebates possible) Guidance on avoiding high-interest traps and comparing offers Follow-up support until loan drawdown or alternative advice if not approved

Individual Voluntary Arrangement (IVA) consultation service

The Individual Voluntary Arrangement (IVA) is a court-supervised, legally binding agreement between you and your creditors to repay a portion of your debts over a fixed period (usually 4–6 years), with the remainder written off upon successful completion. Proposed by a licensed insolvency practitioner (nominee), the IVA requires approval from at least 75% of creditors by value. It helps you avoid bankruptcy, protects you from legal actions during the process (via interim order), and allows you to retain assets while rebuilding finances. Ideal for individuals with significant unsecured debts who have stable income but cannot meet full repayments.

APR: 1.88%
Loan Range:
HK$ 50,000 - 500,000
Period: 60-60 months

• • Legally binding repayment plan • Protects you from creditor legal actions • Monthly repayment based on affordability • Helps avoid bankruptcy and rebuild credit discipline

Debt Relief Plan (DRP) consultation service

The Debt Relief Plan (DRP) is a flexible, out-of-court arrangement to consolidate and restructure your debts with creditors (often banks and finance companies), reducing interest rates and monthly payments to match your affordable repayment capacity. Negotiated directly or with professional assistance, it avoids court proceedings, legal fees, and bankruptcy stigma. DRP is ideal for individuals with multiple creditors facing high-interest consumer loans, allowing you to repay over an extended period while maintaining normal life and credit rebuilding.

APR: 2.15%
Loan Range:
HK$ 30,000 - 300,000
Period: 12-60 months

• • One single monthly repayment • Lower financial burden • Flexible repayment terms • Suitable for individuals with stable income

Comprehensive Debt Relief Plan (CDRP) consultation service

The Interbank Debt Relief Plan (IDRP), supported by the Hong Kong Monetary Authority (HKMA) and industry associations, is a standardized, digitized framework for individuals struggling with unsecured consumer loans from multiple financial institutions (banks, licensed money lenders). It enables coordinated negotiation (often led by a lead creditor), reduced interest, consolidated single monthly payments, and extended terms without court involvement. Updated in 2025 for wider participation and electronic processing, IDRP helps avoid bankruptcy, collection actions, and credit restrictions while promoting financial recovery.

APR: 2.50%
Loan Range:
HK$ 100,000 - 1,000,000
Period: 18-84 months

• • Tailored repayment strategy • Negotiation with multiple creditors • Long term debt restructuring • Comprehensive financial recovery support

Bankruptcy Application Full Assistance Plan

Bankruptcy is a formal legal process under the Bankruptcy Ordinance where, upon court approval of a debtor's or creditor's petition, your debts are managed by the Official Receiver or trustee, leading to eventual discharge (typically after 4–8 years). It provides protection from creditor actions, equal treatment of unsecured creditors, and a fresh start after discharge. We offer full assistance with petition filing, statement of affairs, deposit payment, and compliance to minimize stress. Suitable as a last resort for overwhelming, unmanageable debts where other options are not viable.

APR: 0.00%
Loan Range:
HK$ 0 - 0
Period: 0-0 months

• -Full guidance and eligibility assessment for bankruptcy petition -Preparation and review of Statement of Affairs (Form 3) and petition documents -Handling of court filing
• deposit payment and official submission -Representation and support at the first court hearing -Liaison with Official Receiver’s Office and trustee throughout the process -Post-bankruptcy compliance guidance until automatic discharge (4–5 years) -Confidential consultation + 12 months of post-discharge financial rebuilding advice