You can't. It is a very bad and irresponsible behavior to default on tuition fees, which will bring a lot of troubles and losses to the school and itself, so you can't default on tuition fees. For universities in Hong Kong, although different schools and courses have different requirements, it is generally not allowed to default on tuition fees. In Hong Kong, universities have some student financial service centers and student affairs departments. If you can't pay your tuition on time, you can seek their help, negotiate a payment plan with them or apply for a loan. If you need to postpone the payment of tuition fees, you must communicate with the school or the academic affairs office in advance and abide by the regulations and requirements of the school. If you don't pay your tuition on time or are in arrears, the university will restrict you from taking exams and getting diplomas.