v3.26.1
Bank loans
12 Months Ended
Dec. 31, 2025
Notes and other explanatory information [abstract]  
Bank loans

 

25. Bank loans

 

The bank loans are repayable from August 2032 to June 2033. They contain a repayment on demand clause and therefore they are classified as current liabilities as at December 31, 2025 and 2024. They carry interest at 2.5% per annum below the Prime Lending Rate. The bank loans are guaranteed by (i) HKMC Insurance Limited and (ii) personal guarantee, plus interest and other charges provided from certain directors and an indirect shareholder of the Group.

 

Schedule of bank loans  

   2025   2025   2024 
   US$   HK$   HK$ 
             
Bank loans repayable:-               
Within one year   1,069,096    8,321,091    7,999,165 
                
In the second to fifth years, inclusive   4,582,753    35,668,938    34,692,766 
More than five years   2,334,640    18,171,207    27,492,958 
    6,917,393    53,840,145    62,185,724 
                
    7,986,489    62,161,236    70,184,889