Annual Report 2021

合豐集團控股有限公司 • 二零二一年年報 133 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED) 綜合財務報表附註（續） FOR THE YEAR ENDED 31ST DECEMBER, 2021 截至二零二一年十二月三十一日止年度 22. 無抵押銀行借貸 無抵押銀行借貸包括： * 到期金額乃根據載於貸款協議之議定預 定還款日期釐定。 於二零二一年十二月三十一日及二零二 零年十二月三十一日，無抵押銀行借貸 按浮動利率計息，因此本集團須承擔現 金流量利率風險。該等利率與香港銀行 同業拆息（「香港銀行同業拆息」）及中 國貸款市場報價利率（「貸款市場報價利 率」）掛鈎。 22. UNSECURED BANK BORROWINGS Unsecured bank borrowings comprise: 2021 2020 二零二一年 二零二零年 Effective interest rate HK$’000 HK$’000 實際利率 千港元 千港元 Bank loans 銀行貸款 1.10% to 4.89% (2020: 1.63% to 5.46%) 226,879 282,614 1.10% 至 4.89% （二零二零年： 1.63% 至 5.46% ） 2021 2020 二零二一年 二零二零年 HK$’000 HK$’000 千港元 千港元 Carrying amount repayable*: 應償還賬面值 * ： Within one year 一年內 36,928 80,718 More than one year, but not exceeding two years 一年以上但不超過兩年 14,688 38,235 More than two years, but not exceeding five years 兩年以上但不超過五年 105,263 105,883 156,879 224,836 Carrying amount of bank loans that contain a repayment on demand clause (shown under current liabilities) and repayable within one year 包含按要求償還條款 （於流動負債列示）及 應於一年內償還之 銀行貸款之賬面值 70,000 57,778 226,879 282,614 Less: Amount due within one year shown under current liabilities 減：於流動負債列示之 一年內到期金額 (106,928) (138,496) Amounts due after one year shown as non-current liabilities 於非流動負債列示之 一年後到期金額 119,951 144,118 * The amounts due are based on scheduled repayment dates set out in the loan agreements. As at 31st December, 2021 and 31st December, 2020, the unsecured bank borrowings carry interest at floating rates, thus exposing the Group to cash flow interest rate risk. The interest rates are linked to Hong Kong Interbank Offered Rate (“HIBOR”) and PRC Loan Prime Rate (“LPR”).