Want to share my girlfriend unhappy story :
She previously borrowed 400K from 大眾財務 with 48 period at 1.2% PM flat. After paid 20 month she want to settle the outstanding. PF said will penalize her, and that the interest will be 0.1% per-day FROM START OF CONTRACT ! the result was that 95% of her money paid so far was Interest !
I told her to report HKMA, Consumer Council and Apple Daily.
Beware, brother and sister !