這不是倒數，是補救。由8月1日起：低收入借款人設DSR上限35%／40%（計埋申請中貸款）、諮詢人資料全面停用、廣告忠告字句連格式規格、訂約前解釋要有書面／錄音／錄影紀錄——單靠簽收明文不足夠。公司註冊處查核靠紀錄：今日攞唔攞得出，就是分別。
公司註冊處的《牌照條件指引》免費，載有規則及九個附件表格範本。本包賣的是營運層：指引冇教你點樣喺15分鐘內計啱一個DSR、點樣審一條片嘅結尾畫面夠唔夠3秒、強制書面政策（第97段）點寫先「講得出、做得到、查得到」。逐項對應、逐項留痕，全部以條件實質內容索引——個別牌照條件編號可能不同（指引本身都有此提示），我們教你對照。
中文為主 · 英文版隨附以條件實質內容索引資料截至2026年8月20日更新追蹤 +HK$400/月
即時下載全部十份文件。加購更新追蹤（HK$400/月）：忠告字句改版警示（註冊處可不時公布新字句，一改廣告即要換）、2027年6月信資通義務倒數（收費表、Common Module、過渡期指引）、中央發牌／罰則／屢犯者名單立法進度、執法動態。資料截至2026年8月20日，對照公司註冊處2026年4月版指引全文。
立即取得 — 即時下載唔係。本包只提供文件範本同檢核清單，協助你整理文件同流程；唔會就任何個別貸款應否批出提供意見。需要法律意見請搵律師；凡需要註冊處或警務處取態嘅位，包內明文標示「請直接查詢」。
正常。指引本身都提醒：個別牌照嘅條件編號可能有出入。所以全包以條件實質內容索引，01檢核表首欄留空俾你填返自己牌照嘅編號，一次過對照晒。
指引俾你規則同表格樣本；本包俾你營運層——DSR計算程序連官方測試用例、廣告逐媒體審核表連讀稿、強制書面政策寫好中英版、七本登記冊開檔即用。慳嘅係你同事逐段指引消化再自製文件嗰幾個星期。
條件由8月1日起對所有牌照生效，冇寬限期——愈早補救，缺口日數愈短。00分流入面嘅「止血三步」係為咁而設：今日內可以完成。
忠告字句、信資通細節都會變——所以有HK$400/月追蹤服務。唔訂閱都用到成個包；訂閱嘅分別係改版嗰日你會收到通知同埋更新咗嘅欄位內容。
All 16 licensing conditions took effect for every Hong Kong money-lender licence on 1 August 2026 — no grace period (Government press release, 1 Aug). Breach is criminal: up to HK$100,000 + 2 years' imprisonment, plus revocation/renewal risk. The big three: a hard DSR cap (35%/40%) for borrowers earning ≤HK$12,000/month counting all-institution unsecured obligations including the loan applied for; a total referee ban with quarantine of legacy referee data; revised advertising rules with a re-promulgable warning statement, format specs, and a misleading-claims blacklist — under active enforcement (199 ads swept, 20 rectification orders).
The Registrar's guideline is free and gives you the rules plus sample forms. This pack is the operational layer: a DSR calculator spec with the guideline's own worked examples as test vectors, the mandatory written affordability policy in TC+EN, per-medium ad conformity audits with the warning statement as a swappable field, a referee-remediation memo with a staff instruction sheet, and seven evidence registers built for Registrar monitoring. TC-first with English versions; current to 20 August 2026. HK$2,400 (~US$310) one-off, 14-day unconditional refund; optional update tracker HK$400/month (warning-statement changes, Credit Data Smart milestones to 1 Jun 2027, legislative progress). Templates and checklists only — not legal advice, and never advice on whether to grant a specific loan; condition numbering may vary between individual licences, so everything is keyed to condition substance.
Get the pack — HK$2,400 (~US$310)免責聲明：本包只提供一般資訊、文件範本及檢核清單，供文件整理之用；並非法律意見，不構成律師與客戶關係；個別貸款決定請自行判斷／諮詢法律意見。本包絕不就任何個別貸款應否批出提供意見。牌照條件以 閣下牌照文本及公司註冊處最新公布為準——個別牌照的條件編號可能與本包不同（指引本身亦有此提示），本包以條件實質內容為索引；忠告字句及投訴熱線以註冊處最新公布及牌照文本為準。凡需註冊處或警務處取態之處，包內明文標示，請直接查詢。所有數據及規則資料截至2026年8月20日，並附來源標註。本包與公司註冊處、警務處及香港特區政府概無任何從屬或認可關係。
Disclaimer: General information, document templates and checklists only — for organizing your documents and processes. Not legal advice; no lawyer-client relationship; decisions on individual loans are yours alone — take legal advice where needed. Condition numbering may vary between individual licences; this pack keys to condition substance. Warning-statement text and hotline per the Registrar's latest promulgation and your licence. Current to 20 August 2026, with sources cited throughout. Not affiliated with or endorsed by the Companies Registry, the Police, or the HKSAR Government. © 2026 Kilde.