31 Mar 2026
MAN SANG CREDIT LIMITED v. IP KWOK KIN AND OTHERS
- Citation
- [2026] HKCFI 1664
- Court
- Court of First Instance
- Case number
- HCMP2412/2016
The court preferred the plaintiff’s contemporaneous documentary and witness evidence and found defendants’ accounts not credible; the lender and solicitors took substantively reasonable steps to explain the securities so no actual or presumed undue influence or actionable misrepresentation was established; the Backdated Loan Agreement was an amendment of the Original Loan Agreement and fell within the Guarantee; the ding‑house mortgages were not rendered unenforceable by non‑payment of premium alone; statutory compliance under the Money Lenders Ordinance was satisfied on the facts; accordingl…