With certain exceptions (primarily authorised institutions under the Banking Ordinance) any person, whether a licensed money lender or not, who lends or offers to lend money at an interest rate exceeding 60 per cent per annum commits an offence.

• 除某些特别例子(主要为《银行业条例》下的认可机构)外，任何人贷款或建议贷款的利率超过年息六分，不论是否持牌放债人，均属违法。