Loan Repayment
Loan Repayment

Repayment Methods

You can repay your loan(s) by using the following repayment methods.

"SFO E-link" OR "MyGovHK"

Please register with the "SFO E-link" and / or "MyGovHK" service and make repayment through the internet.

By Payment-by-Phone Services (PPS)

Please repay through a tone phone by dialing 18031 or via internet at PPS website to effect direct bank transfer. Please enter the 12-digit “ATM/PPS Ref. No.” at the top right corner of the demand note for making repayment. Each demand note has to be registered and settled by phone individually. Please note that the daily transaction limit for each bill number (i.e “ATM/PPS Ref. No.”) is 3.

Merchant code for student loan repayment: "44"

PPS Enquiry Hotline: 900 00 222 329

PPS Website

By Bank Automated Teller Machines (ATM)

Please repay through ATMs with the "Bill Payment Service" or “Jet Payment" signage of the Hongkong and Shanghai Banking Corporation Limited / Hang Seng Bank Limited / JETCO. Please enter the 12-digit "ATM / PPS Ref. No." shown at the top right corner of the demand note for making repayment. Please retain the ATM payment slip (with the ATM / PPS Ref. No. printed on it) for repayment record.

By Internet Banking Payment Services

Please register with your bank for the service. Please select “GOVERNMENT STUDENT LOAN REPAYMENT” as the merchant and enter the 12-digit “ATM / PPS Ref. No.” shown at the top right corner of the demand note as the account number. Please observe the terms and conditions set by individual banks, particularly the cut-off time for each day’s transaction and service charges, if any. If repayment is made through credit card via internet banking payment service, the post date advised by the bank will be regarded as the date of repayment for the purpose of charging the surcharge ("Tertiary Student Finance Scheme - Publicly-funded Programmes" and “Financial Assistance Scheme for Post-secondary Students”) and / or overdue interest (“Non-means-tested Loan Scheme for Full-time Tertiary Students” / “Non-means-tested Loan Scheme for Post-secondary Students” / “Extended Non-means-tested Loan Scheme”). For details, please visit the Treasury’s website .

By Post

Please have your cheques, drafts and cashier orders denominated in Hong Kong dollars, crossed and made payable to "The Government of the Hong Kong Special Administrative Region" or "The Government of the HKSAR". Please write the D/N Ref. No. shown on the bottom left corner of your demand note at the back of your cheque, draft or cashier order and send with the lower portion of the demand note to TREASURY, P.O. Box 28000, Gloucester Road Post Office, Wan Chai, Hong Kong. Cash should not be sent through the post. Please ensure sufficient mailing time and postage to make delivery in order. Underpaid mail will be rejected.

Receipt will not be issued for repayment by post. Please retain the upper portion of the demand note for your record. The postmark date will be regarded as the date of repayment. Repayment is valid only after the cheque is cleared on the first presentation to the drawer bank. Post-dated cheques will not be accepted.

By e-Cheque

Please log in your internet banking account to issue e-Cheque payable to “The Government of the Hong Kong Special Administrative Region” or “The Government of the HKSAR”. Then, visit the “Pay e-Cheque” portal at https://www.gov.hk/en/apps/payecheque.htm, select “Working Family and Student Financial Assistance Agency” and “Government Student Loan Repayment” in the “Department Bill Type”, enter the 12-digit “ATM/PPS Ref. No.” shown on the top right corner of the demand note, enter the payment amount and upload the e-Cheque to make repayment. Please retain the acknowledgement receipt for record. Post-dated cheques will not be accepted.

The upload date of the e-Cheque will be regarded as the date of repayment for the purpose of charging the overdue interest. The cut-off time for each day is 12:00 midnight.

In Person at Post Offices

Please bring along the demand note intact to make repayment in cash, cheque, cashier order or EPS at any Post Office. It will be receipted and returned to you. For locations and opening hours of Post Offices, please call the Hongkong Post’s Enquiry Hotline at 2921 2222 or visit the Post Office’s website.

Post Office locations and opening hours

In Person at Convenience Stores

Please bring along the demand note intact to make repayment in cash at any 7-Eleven, Circle K Convenience Store, VanGO Convenience Store or China Resources Vanguard Supermarket in Hong Kong. The maximum limit for each transaction is HK$5,000. Please retain the receipt (with the numerical figures of the D/N Ref. No. printed on it) for repayment record.

By Autopay

Please call 2150 6226 to obtain the "Direct Debit Authorization (DDA) Form" and register with your bank for the Autopay service.

Separate DDA form is required for each DN Ref. No.. Completed DDA form should be returned to the bank where your account was opened. While your application is being processed, please have your demand note settled by other payment methods until the payment code "09" appears on your demand note. Normally, you have to allow a period of 10-12 weeks before the authorization can take effect.

Please ensure there is sufficient fund in the designated bank account to be debited on the Autopay Value Date to meet any transfer so authorised. If for any reason, direct debit of any instalment could not be processed, you are required to settle the demanded amount by other repayment methods before it becomes due. Otherwise, 5% surcharge and/or overdue interest will be imposed on the overdue amount.

By Faster Payment System (FPS)

Please use the mobile banking app or e-wallet that supports Government FPS bill payments to scan the FPS QR code printed on your demand note to make repayment. User authentication for mobile banking app or e-wallet is required.

The QR code scanning function provided by individual banks or e-wallets may vary. Please contact your banks or e-wallets for details. Please check the payment limit pre-set at your banks or e-wallets before making repayment. You may edit the payment amount if necessary.

For further details, please refer to Treasury’s website - FPS and/or Hong Kong Interbank Clearing Limited (HKICL) website.