Electronic Repayment Notification & Demand Note

  • Instalments will normally fall due on the first day of each calendar month for monthly repayment; while on 1 January, 1 April, 1 July and 1 October each year for quarterly repayment. Demand notes and/or notifications will be issued 14 days before each due date as far as practicable. If student loan borrowers do not receive the demand note and/or notification seven days before each due date, they should contact the Student Finance Office (SFO) immediately.

  • For environmentally friendly reason and to avoid possible non-receipt of postal demand notes, monthly demand notes would be uploaded to the “SFO E-link” online platform and notifications would be sent to the “MyGovHK” and/or “iAM Smart” online platforms for viewing, printing and downloading.

  • Student loan borrowers need to safekeep their “MyGovHK” and/or “iAM Smart” account login username and password (if applicable) to receive repayment notifications and demand notes through the “SFO E-link - My Bills” service. If student loan borrowers have not logged into the “MyGovHK” for a period of 36 months, their account will be terminated.

  • Electronic demand notes and/or notifications shall be deemed to have been duly given by the SFO and have been duly received by student loan borrowers regardless of whether they have actually accessed the electronic demand notes and/or notifications and whether they have actually noticed the availability of those electronic demand notes and/or notifications. Requests for receiving demand notes and/or notifications by other means will not be accepted. The SFO may contact student loan borrowers by mail, telephone, fax, email or other forms of electronic notifications (e.g. SMS) for any repayment matters. Should student loan borrowers wish to save a copy of the latest instalment demand note, they are reminded to download and/or print it out on or before the due date.

  • Student loan borrowers’ failure to visit the “MyGovHK”, “iAM Smart” and/or “SFO E-link - My Bills” online platform(s) to receive any repayment schedule or demand note(s) does not exempt them from the obligation to repay the instalment due on or before the due date. If repayment has not been made duly, student loan borrowers will be required to repay the Government of the Hong Kong Special Administrative Region the overdue amount together with surcharge and/or overdue interest.