Core Viewpoint - Hong Kong Communications International Holdings (00248) announced the withdrawal of the surrender value of a life insurance policy, amounting to HKD 6.585 million, which will be received in full on January 8, 2026 [1] Group 1: Financial Impact - The withdrawal of the life insurance policy's surrender value provides the company an opportunity to reduce part of its bank borrowings [1] - This action is expected to lower the asset-liability ratio and related interest expenses [1] - The company believes that the terms of the withdrawal are fair and reasonable, aligning with the overall interests of the company and its shareholders [1]