• Zero Fintech Group signed a new loan agreement on July 20, 2026 via its unit X8 Finance, committing HK$ 45 million to two co-borrowers.
• Facility refinances HK$ 40 million outstanding from a February 2026 loan, with a HK$ 5 million top-up.
• Nine-month term; drawdown set for July 21, 2026; maturity on April 21, 2027; principal due in a single repayment.
• Interest set at 30% per annum for months 1-2, dropping to 18% per annum for months 3-9.
• Secured by a first mortgage over a Plantation Road, The Peak property in Hong Kong.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Zero Fintech Group Ltd. published the original content used to generate this news brief via IIS, the regulatory disclosure system operated by the Hong Kong Stock Exchange (HKex) (Ref. ID: HKEX-EPS-20260720-12249945), on July 20, 2026, and is solely responsible for the information contained therein.