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並前往https://www.hsbc.com.hk/content/dam/hsbc/hk/docs/loans/personal-instalment-loan/key-facts-statement.pdf

Key Facts Statement (KFS) for Instalment Loan - HSBC HK

If we do not receive monthly repayment in full on its due date, ... default interest rate will accrue daily on a 365-day year basis (or 366-day year.

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