永恆公司

永恆公司, a money changer, lender or pawnshop in Tsim Sha Tsui, Yau Tsim Mong, is at Rm 508, 5, 新聲大廈 Flat 508, 5/F, Sands Building, 17 Hankow Road, Tsim Sha Tsui, Kowloon, 17 Hankow Rd, Tsim Sha Tsui. Before heading over it is worth checking the hours, phone number and Google rating below, so the trip is not wasted. It is upstairs in a building, entered through the lobby rather than from the street, so check the building name, floor and unit before you go and allow a few minutes for the lift.

Money changers in Hong Kong need a Money Service Operator licence from Customs and Excise, money lenders a licence under the Money Lenders Ordinance and pawnshops a pawnbroker's licence. The law caps the effective annual interest rate on loans at 48%; compare rates and all fees before borrowing and keep the contract, and compare exchange rates and fees before changing money. Before changing money, check whether the displayed rate is buying or selling and whether there is a fee, count your cash and ask for a receipt.

Google lists the opening hours as Mon–Fri 09:30–18:00, Sat 10:00–14:00, Sun closed. That makes 6 working days a week. Arrangements may differ on public holidays, over Lunar New Year and when a typhoon signal No. 8 or above or a black rainstorm warning is in force, so call before making a special trip. You can call 2376 0698; a phone call is the quickest way to ask about availability, prices or how to get there.

It has a Google rating of 4.4 out of 5 from 46 reviews, a strong score that points to consistently positive experiences.

Tsim Sha Tsui is part of the Yau Tsim Mong District in Kowloon. Around Kwun Tong and Kowloon Bay many industrial buildings now house offices, restaurants, gyms and studios, while Kai Tak is a newer district. Kowloon's streets are busiest in the evening and at weekends, shops keep long hours with many open until about 22:00, and the Kwun Tong, Tsuen Wan and Tuen Ma lines plus buses and minibuses reach almost everywhere. The Tsim Sha Tsui waterfront has the Avenue of Stars and the Cultural Centre, Star Ferries cross to Central and Wan Chai, and the area is full of hotels, malls and restaurants.

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