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1. Parties: Identification of the lender(s) and borrower(s) with their full legal names and addresses

2. Background: Context of the loan arrangement and brief description of the parties' intentions

3. Definitions and Interpretation: Definitions of key terms and interpretation rules for the agreement

4. The Loan: Core terms including loan amount, purpose, and drawdown conditions

5. Interest: Interest rate, calculation method, and payment terms in compliance with Hong Kong interest rate regulations

6. Repayment: Repayment schedule, method, and prepayment provisions

7. Representations and Warranties: Basic representations by the borrower regarding legal capacity and authority

8. Borrower Covenants: Ongoing obligations of the borrower during the loan term

9. Events of Default: Circumstances constituting default and consequences

10. Payments: Payment mechanics, currency, and timing provisions

11. Costs and Expenses: Allocation of transaction costs and enforcement expenses

12. Notices: Communication methods and contact details for formal notices

13. General Provisions: Standard boilerplate clauses including governing law, assignment, and amendments

14. Execution: Signature blocks and execution formalities

1. Loan Details: Detailed breakdown of loan amount, interest rate, and payment schedule

2. Drawdown Notice: Form of drawdown request to be used by borrower

3. Repayment Schedule: Detailed amortization table if applicable

4. Security Details: Detailed description of any security assets and registration requirements

5. Conditions Precedent Documents: List of required documents and conditions for loan disbursement

6. Form of Transfer Certificate: Standard form for transferring loan interests

7. Compliance Certificate: Template for periodic compliance certification

8. Required Insurance: Detailed insurance requirements and minimum coverage levels