Page 251 - Hong Kong Housing Society Annual Report 2024/25

AUDITED FINANCIAL STATEMENTS 已審核財務報表
NOTES TO THE FINANCIAL STATEMENT 財務報表附註

22. Loans from banks 22. 銀行貸款

(in HK$Million) （港幣百萬元） 2025 2024

Loans from banks repayable 銀行貸款按以下期限償還
After 2 years, but within 5 years 兩年至五年內 5,943.0 –

The bank loans of the Housing Society has been presented 房屋協會的銀行貸款已按扣除貸款安排
net of the loans arrangement fee. 費用呈列。

All the loans from banks are unsecured, carry interest rates 所有銀行貸款並無抵押，利率以香港銀
at HIBOR plus 0.76% per annum and are denominated in 行同業拆息加百分之零點七六計算並以
Hong Kong dollars. 港元計值。

The above loans from banks with maturity date of 26 上述於二零二九年十一月二十六日到期
November 2029 are subject to covenants that require 之銀行貸款受限於下列契諾(i)合併淨資
(i) consolidated net assets not less than HK$38.0 billion; 產不少於三百八十億港元；(ii)流動資
(ii) current assets not less than 150% of current liabilities; 產不少於流動負債的百分之一百五十；
and (iii) total debt not greater than 50% of total equity. 及 (iii) 總負債不多於總權益的百分之
These covenants are assessed semi-annually. The Housing 五十。該等契諾於每半年評估一次。房
Society considers there is no indication that it will have 屋協會認為目前並無跡象顯示其在遵守
difficulties in complying with these covenants. 該等契諾方面會遇到困難。

In the opinion of the Supervisory Board and Executive 監事會及執行委員會委員認為，由於銀
Committee members, since the carrying amounts of 行貸款之賬面金額與其公允值並無重大
loans from banks are not significantly different from their 差異，故並無披露該公允值。
respective fair values, no disclosure of the fair values is
made.

Hong Kong Housing Society Annual Report 2024/25 香港房屋協會 2024/25 年度年報 249