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The Hong Kong Mortgage Corporation Limited

SME Financing Guarantee Fee Calculator

For a simple loan facility, this tool provides a rough indication (Note 1) of the guarantee fee amount to be charged under the SME Financing Guarantee Scheme.


Note 1 : The calculation is for simulation and reference purposes only based on the following assumptions-

  • For facility in the form of term loan, the calculation of Guarantee Fee Amount works on the assumption that the Borrower makes equal monthly instalment payments to repay the principal and interest of the facility throughout the duration of the facility.
  • Relevant Fees and Charges levied on the facility, which may vary across different facilities and participating lenders, are excluded from the calculation. The Guarantee Fee Amount may increase after taking the Relevant Fees and Charges into consideration.

Note 2 : Borrowers can consider financing the Single Upfront Guarantee Fee Payment by the facility.


The information (including the guarantee fee generated by this calculator) as set out or generated from or in connection with this webpage is for purely illustrative purposes only, as an accommodation without charge, and is not intended to be used by, and should not be relied upon in any way by any user or visitor hereof or any third party.

The guarantee fee calculation generated by this calculator is based on certain assumptions and methodologies which are not identical to those used by HKMC Insurance Limited (“HKMCI”) for calculating the actual guarantee fee in respect of a facility with a guarantee under the SME Financing Guarantee Scheme. The HKMCI makes no representation or warranty as to the accuracy, reliability, completeness or reasonableness of the assumptions and methodologies used in the calculation of the guarantee fee by using this calculator.

Accordingly, the guarantee fee generated by this calculator does not necessarily reflect the actual guarantee fee to be charged by the HKMCI and is not intended to be and should not be taken to be or constitute an offer or a solicitation of an offer or an invitation by the HKMCI, or represent a guarantee fee quotation at which the HKMCI would be willing to offer, or enter into any guarantee.

The scenarios used to generate the calculation are provided by the user or visitor hereof and the HKMCI does not represent or warrant that these scenarios and guarantee fee accurately reflect real life conditions, whether now or in future.

The HKMCI is not responsible for any loss or damage arising out of any person's use of or reliance upon any information provided herein, including but not limited to, any loss or damage due to errors (including errors of transmission), inaccuracies, computational mistakes, omissions, changes in market factors or other conditions or any other circumstances, whether or not within the HKMCI's control. In furtherance and without limiting the foregoing, under no circumstances shall the HKMCI be liable for special or consequential damages that arise from any person's use of or reliance upon the information provided herein, even if the HKMCI has been advised of the possibility of such damages. These Disclaimers are in addition to the Legal Statement relating to this website, the contents of which you should also read.


The SME Financing Guarantee Scheme is operated by the HKMCI. The copyright to the contents of this webpage is owned by the HKMCI.