Maximum Level of Loan Amount and Life-time Loan Limit
Maximum Level of Loan Amount
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The maximum amount of loan that an applicant may borrow in the 2025/26 academic year:
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the total tuition fee(s) payable in academic year; and
- should not exceed an aggregate of 12 months' tuition fee(s) payable; and
- should not exceed the life-time loan limit or its remaining balance.
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Please note the level and conditions of loan for the following different categories of programmes.
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Programme Structure
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Maximum Level and Conditions of Loan
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a) Structured programme (excluding those postgraduate
research courses of which the tuition fees
will be paid in more than two instalments
in any period of 12 months)
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b) Programme or course of which the tuition fees
are chargeable on a modular or credit basis
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Applicants' loan application must be for or not exceeding the tuition fee payable for all the credits/modules
stipulated in the debit note at the time of submission of application;
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If applicants opt to add any credit or module which leads to additional tuition fees after they have submitted an application for the ENLS loan, and wish to apply for the ENLS
loan to cover the tuition fee payable for the additional credit(s)/module(s), applicants have to
submit another application and pay administrative fee for that new application no matter
whether the previous application has been approved;
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If applicants opt to drop any credit or module which leads to reduced tuition fees as compared to the loan amount applied/approved after they have submitted an application for the ENLS loan, applicants should notify the Student Finance Office (SFO) in writing at
least 8 working days (excluding the loan drawdown date) before the loan drawdown date(s)
for adjustment of the loan amount. If the SFO does not receive any notification of
adjustment from applicants and the loan disbursed to them exceeds the tuition fee payable, applicants are required to refund any overpaid loan to the SFO. Applicants should note that interest will
accrue for the ENLS loan disbursed to them from the drawdown date; and
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Applicants must submit a separate loan application for each semester unless proof/confirmation from their institution or its operator/local agency (if applicable) could be provided for the number of credit(s)/module(s) that applicants will pursue in the coming semesters within the
same academic year.
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c) Postgraduate research courses (MPhil or PhD) of which：︁
the tuition fees will be paid in two or
more instalments in any academic year; or
the tuition fees of the next and subsequent instalments
have yet to be announced; or
the tuition fees payable are not in equal instalments.
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Applicants must submit a separate application for each instalment of their tuition fees payable
unless proof/confirmation from their institution or its operator/local
agency (if applicable) could be provided for the number of instalment(s) and respective tuition fee amount(s) that applicants will have to pay in the
coming semesters within the same academic year; and
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Applicants' loan application must be for or not exceeding the tuition fee payable for the instalment for which
the loan is to be applied.
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d) Summer semester course(s)/subject(s) |
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Applicants must submit a separate application if the course(s)/subject(s) is/are not included in any of their previous
application(s); and
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Applicants' loan application must be for or not exceeding the tuition fee(s) payable for all the course(s)/subject(s) that the applicants have enrolled at the time of submission of application.
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e) A combination of semester(s)/subject(s)
covered by the same application
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f) Any programme or course which does not fall
in any of the above-mentioned categories
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Applicants must submit a separate application for each instalment of their tuition fee(s) payable; and
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Applicants' loan application must be for or not exceeding the tuition fee payable of that particular instalment.
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A life-time loan limit is imposed on each student eligible for receiving loans under the ENLS. The
life-time loan limit is HK$413,600 for the 2025/26 academic year.
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Loan(s) disbursed from the 2012/13 academic year and onwards will be counted towards the life-time loan
limit, which is not of revolving nature and will not be reset by any repayments.
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Eligible students may borrow a loan amount up to the total tuition fee(s) payable above, subject to
the life-time loan limit or its remaining balance (calculated as at the date of approval of the loan
application) not being exceeded. Once an applicant has exhausted the life-time loan limit or its
remaining balance, the SFO will not consider his / her loan application(s).
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Eligible Non-means-tested Loan Scheme for Full-time Tertiary and Non-means-tested Loan Scheme for Post-secondary students who have exhausted their combined life-time loan limit for studying
courses for attaining their first degree-level study may apply to use up to HK$100,000 of their
life-time loan limit under the ENLS. For those students, their Life-time loan limit under ENLS will be
reduced accordingly.