HKEX Listed Company, Stock Code: 2483.HK
HKEX Listed Company
Stock Code: 2483.HK

Top Talent & Quality Migrant Loan
(Hong Kong Newcomer Loan)

Whether you're a newcomer in Hong Kong through the Top Talent Pass Scheme (TTPS), Quality Migrant Admission Scheme (QMAS), or Admission Scheme for Mainland Talents and Professionals (ASMTP), you may need financial assistance. Now you can apply for unsecured personal loan without a Hong Kong Permanent Identity Card.
Newcomers through TTPS, QMAS, or ASMTP
No Hong Kong Permanent Identity Card required
Work visa with 6+ months validity and proof of employment
Loan amounts up to
HK$2Million
Repayment period up to
120Months
Cash in hand
Same Day
*The above personal loan services are subject to Terms and Conditions. Limited to eligible customers who have been verified and confirmed online. All personal loan applications are subject to final approval
Top Talent & Quality Migrant
Borrow up to HK$2 million
No Hong Kong Permanent Identity Card required
K Cash understands that newcomers to Hong Kong face cash flow challenges. Whether you're on an Top Talent Pass Scheme (TTPS), Quality Migrant Admission Scheme (QMAS), or Admission Scheme for Mainland Talents and Professionals (ASMTP), Top Talent & Quality Migrant Loan (Hong Kong Newcomer Loan) only requires a Hong Kong Identity Card to apply. For those who own property, the process is even simpler - just provide any type of Hong Kong property ownership proof and address proof for easy cash access.
  • Hong Kong Identity Card (no need Hong Kong Permanent Identity Card) and valid passport
  • Any credit rating application accepted (including those who have never applied for loans in Hong Kong)
  • Cash out as fast as same day of application
Immediate solutions for newcomers' financial needs – Can apply without a Hong Kong Permanent Identity Card
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Fastest 5-minute approval
AI precisely calculates the most suitable loan plan. Choose to reduce monthly payments or shorten the repayment period. Simple approval process for quick cash.
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Cash out within 24 hours
Apply and sign your personal loan contract by online. Receive funds via FPS or collect cash at our branch as fast as same day of application.
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Extended repayment period up to 120 months
Flexible repayment period make monthly repayment more manageable that could reduce financial pressure and provide more freedom on using funds.
talent_loan.product_point_item_0_alt
Fastest 5-minute approval
AI precisely calculates the most suitable loan plan. Choose to reduce monthly payments or shorten the repayment period. Simple approval process for quick cash.
talent_loan.product_point_item_1_alt
Cash out within 24 hours
Apply and sign your personal loan contract by online. Receive funds via FPS or collect cash at our branch as fast as same day of application.
talent_loan.product_point_item_2_alt
Extended repayment period up to 120 months
Flexible repayment period make monthly repayment more manageable that could reduce financial pressure and provide more freedom on using funds.
Top Talent & Quality Migrant Loan
How Top Talent & Quality Migrant Loan (Hong Kong Newcomer Loan) solves challenges for newcomers
Mr. Wang
(Top Talent Pass Scheme, TTPS)
"Peace of mind housing rental without depleting savings"
When I first arrived in Hong Kong, I faced sky-high housing rent and three months' deposit, which nearly depleted my savings. I couldn't immediately transfer my funds from Mainland China. Through Hong Kong Newcomer Loan, I applied for HK$500,000 and was approved with funds disbursed the same day. I secured an ideal apartment and had money left for furniture and appliances. What surprised me most was being able to apply without a Hong Kong Permanent Identity Card, solved my biggest concern.
Loan
amount
$500,000
Monthly
payment
HK$14,785
Repayment
period
48 months
Ms. Zhang
(Quality Migrant Admission Scheme, QMAS)
"Education for children without financial worries"
My husband and I came to Hong Kong together, and our biggest concern was our children's education expenses. The tuition fees and deposits for international schools in Hong Kong easily reach hundreds of thousands, plus material costs and extracurricular activities create significant financial pressure. Hong Kong Newcomer Loan provided us with HK$800,000 in education funding with a 60-month repayment period and affordable monthly payments. Most importantly, the application process was simple and quick. As we owned property in Hong Kong, the procedure was even simpler, there was no need to provide a Hong Kong Permanent Identity Card, allowing me to focus on helping my children’s adjustment issues rather than worrying about money.
Loan
amount
HK$800,000
Monthly
payment
HK$19,739
Repayment
period
60 months
Mr. Li
(Admission Scheme for Mainland Talents and Professionals, ASMTP)
"Resolving transitional financial pressure"
As a professional coming to work in Hong Kong, although the salary is good, the various expenses when first arriving were overwhelming. Rental, daily necessities, transportation costs, plus waiting for the first month's salary created difficult cash flow issues. Thanks to Hong Kong Newcomer Loan, I received HK$100,000 in working capital to help me through the most challenging adjustment period. I especially appreciate that they understand the unique situation of professionals like us, focusing on my work background and future earning capacity rather than existing credit history like traditional banks do.
Loan
amount
HK$100,000
Monthly
payment
HK$3,634
Repayment
period
36 months
FAQs about Top Talent & Quality Migrant Loan
(Hong Kong Newcomer Loan)
Can I apply for a loan if I came through Top Talent Pass Scheme (TTPS), Quality Migrant Admission Scheme (QMAS), or Admission Scheme for Mainland Talents and Professionals (ASMTP) without a Hong Kong Permanent Identity Card?
Yes, newcomers don't need a Hong Kong Permanent Identity Card. You only need a Hong Kong Identity Card, a valid passport, a working visa valid for over 6 months, and proof of employment to apply for the Top Talent & Quality Migrant Loan.
Will the lack of credit history for newcomers in Hong Kong affect loan approval?
No, the Top Talent & Quality Migrant Loan (Hong Kong Newcomer Loan) accepts applications with any credit rating, including newcomers who have never applied for loans in Hong Kong. The approval process focuses more on educational background, job stability, and future earning potential.
What are the loan amount limits and repayment periods for the Top Talent & Quality Migrant Loan (Hong Kong Newcomer Loan)?
The Top Talent & Quality Migrant Loan (Hong Kong Newcomer Loan) offers up to HK$2 million with repayment periods up to 120 months, giving newcomers more flexibility in financial planning. Your specific limit will be assessed based on your personal situation.
How long does it take to apply to approval? When will you get the cash?
The Top Talent & Quality Migrant Loan (Hong Kong Newcomer Loan) offers 5-minute fast-track approval with cash available within 24 hours. Newcomers can choose to receive funds via FPS or collect cash at a branch.
What documents are required to apply for the Top Talent & Quality Migrant Loan (Hong Kong Newcomer Loan)?
You'll need a valid Hong Kong Identity Card, a valid passport, a working visa valid for over 6 months, proof of employment, plus address proof and bank statements for the past three months. If you own property in Hong Kong, the application process is simpler.
Are there additional fees for applying the Top Talent & Quality Migrant Loan (Hong Kong Newcomer Loan)?
The Top Talent & Quality Migrant Loan (Hong Kong Newcomer Loan) waives handling fees, legal fees, and valuation fees. There are also no penalties for early repayment, making the loan experience worry-free for newcomers.
PayKool: The Financial Assistant for Newcomer Professionals
For newcomers through Top Talent Pass Scheme (TTPS), Quality Migrant Admission Scheme (QMAS), or Admission Scheme for Mainland Talents and Professionals (ASMTP), establishing local credit history is the first step to integrating into Hong Kong's financial system. PayKool Visa Platinum Credit Card specifically addresses newcomers' needs, offering "Play Now Pay Later, Self-Managed Installments" flexibility.
  • Quickly establish Hong Kong credit rating: Start building your credit record immediately without waiting for years
  • Address initial financial pressure: When facing large expenses for rent, furniture, and transportation upon arrival, use the "Self-Managed Installments" function to spread consumption pressure
  • Simplify expense management: Centralize everyday spending with a single payment, reducing the pressure of managing multiple expenses
  • Flexibly handle different currencies: Adapt to Hong Kong's consumption environment without frequent currency exchange
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