How much is the loan ?
What is the original loan?
and what is the total amount you owe right now ?
If you have not paid the loan for 6 months, then you have a lot of interest to pay.
Call them up and renegotiate the loan and start paying it off.
Did they send the letter to your employer's address ?
I am sorry that your father is very sick. However, I am sure that there are family members who can also look after your father.
The amount of money you. spend on
1) travelling
2) hotel quarantine
3) buying gifts for family members and the whole village
4) giving cash to every relative
will put you in even more trouble.
The loan companies are smart. They probably have another company in the Philippines so even if you think of running away from Hong Kong and not coming back, realise that ( you can check for yourself)
1) they can find you in Phillippines
2) sell of their debt to another company in the Phillippines.
3) you probably used your domestic helper contract to get the loan so they have your overseas address
4) if you skip town and the debt collector hassles your employer, then your employer will inform immigration which might mean if you apply again, they might consider if you get a visa or not (check with immigration)
So, start paying off the loan. I know you work really really hard and send every dollar back home, but it's time to tell those back home they have to cut their spending for a bit.
You need to dig yourself out of the hole. Call them back and renovate the amount of interest you need to pay and come up with a plan to pay.
You are in debt because you spent all the money on others, not yourself. Postpone the trip .
Be the master of your own debt. Don't let someone else control it and it becomes the monster that comes to eat you alive in interest and fear. Good luck and I hope your father gets well.