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Building with SC logo

Arrangement of bank services and support amid the Covid 19

All branches service has been resumed normal.

Relief Measures

How to use Digital Banking

Support Our Community

Mortgage Principal Moratorium

We will offer Mortgage Principal Moratorium up to 24 months to our individual clients (including those under the mortgage insurance plan) and shell companies to reduce their immediate financial burden. Clients who have a good repayment record in the past six months and meet our eligibility requirements can apply for the principal payment holiday on or before 30 November 2022. Forms can be obtained via www.sc.com/hk, our mortgage hotline 2886-8863, or any of our branches.

For details, please refer to FAQs below or call our Mortgage hotline at 2886 8863 (service hour: Mon – Sat 9am – 8pm).

Please click here for the FAQs

Supporting the SMEs

We are offering the below relief measures for our Business Banking clients:

  1. Existing clients under Business Instalment Loan, SME Financing Guarantee Scheme and SME Loan Guarantee Scheme can apply for Principal Moratorium of up to thirty months in total until 31 Dec 2022.
  2. New applicants for the SME Financing Guarantee Scheme can enjoy a 50% subsidy for all tenors on guarantee fee until 30 June 2023. The subsidy is capped at HKD50,000 per client[1].
  3. Zero handling fee for new applications to the SME Financing Guarantee Scheme.
  4. Fast-track application process for the SME Financing Guarantee Scheme up to a maximum of HK$6,000,000.
  5. Account maintenance fee waiver2 for retail/catering industry or Business Instalment Loan/ SME Financing Guarantee Scheme/ SME Loan Guarantee Scheme clients.

For details, please refer to FAQs below or contact your Relationship Manager, or call our Business Banking hotline at 2886 6988 (service hour: Mon – Fri 9am – 6pm, Sat 9am – 1pm).

Please click here for the FAQs.

Remarks:
[1] Only applicable to clients with no overdue record during the first 6 months of the repayment period after loan drawdown.

[2] The offer is valid from 1 March 2022 to 31 December 2022. Eligible client will receive a rebate of the maintenance fees charged by way of cash rebate. Only applicable to clients: (i) whose business activity is retail or catering as shown on the records of the Bank; or (ii) hold Business Instalment Loan / SME Financing Guarantee Scheme / SME Loan Guarantee Scheme during the month when account maintenance fee is charged.

The Hong Kong Monetary Authority – Pre-approved Principal Payment Holiday Scheme

The Hong Kong Monetary Authority (HKMA), together with the Banking Sector SME Lending Coordination Mechanism, launched a Pre-approved Principal Payment Holiday Scheme (the Scheme) for eligible corporate customers.  The launch date of the Scheme was 1 May 2020 as per the  HKMA press release on 17 April 2020 .  The key features of the Scheme are:

  • Corporate borrowers that have an annual sales turnover of HKD800 million or less based on their latest financial, that have no outstanding loan payments overdue for more than 30 days, and are not in the process of ceasing operations or declaring bankruptcy or liquidation, are eligible for the pre-approved Scheme.
  • All principal payments of bilateral loans falling due within 6 months from the Launch Date (1 May 2020 as per HKMA press release) to be made by an eligible customer will be pre-approved for deferment. Principal payments of bilateral loans (including revolving facilities) will generally be deferred by 6 months, whereas trade facilities (except for facilities which are self-liquidating in nature) will be deferred by 3 months.
  • The Scheme does not cover syndicated loans or loans used for financing purchases of shares or other financial assets.

As some economic sectors are still hard-pressed by the lingering pandemic and may not have fully benefited from the recent economic recovery yet, HKMA announced that the Scheme will be extended for another six months to the end of October 2022. All loan principal payments of eligible customers falling due between 1 May 2022 and 31 October 2022 will be deferred by another six months except for repayments of trade loans, which will be deferred by 90 days. This also covers the previous round of further 90 days extension of trade loans, which would be falling due between 1 May 2022 and 31 October 2022.

For instalment loans, customers have an option to repay 20% of original principal repayment amount over a period of a year on voluntary basis, and the loan tenor should generally be extended correspondingly.

For trade facilities, loans with bullet payments falling due within one year and outstanding revolving facilities, banks may discuss with customers having regard to the actual circumstances and allow them to repay the amount due by regular instalments over a period of two years.

For loans which have been extended for 540 days or more successively since first drawdown (or trade loans which have been extended for 270 days or more successively since first drawdown), banks have the flexibility to offer different forms of suitable credit relief to help the customers ride out the current difficulties, subject to prudent risk-management principles.

For questions regarding the scheme, please call hotline (service hour: Mon – Fri 9am – 6pm):

  • Business Banking: (852) 2886 6988
  • Commercial Banking: (852) 3843 2551

To borrow or not to borrow? Borrow only if you can repay!

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BANK FROM HOME
Service guide of SC Mobile and Online Banking services
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【DONATED HK$10 MILLION TO PROVIDE 300 JOBS FOR UNEMPLOYED WOMEN】
  • The Standard Chartered Community Foundation is donating HK$10 million to the Hong Kong Council of Social Service (HKCSS) for supporting jobless women. About 300 women are expected to benefit from it.
  • The donations will be used to purchase around 80,000 anti-epidemic kits including food and epidemic prevention supplies, for the underprivileged and offer two-month jobs for unemployed women to ease their short-term financial burden. Hired women will help deliver anti-epidemics kits to nearly 10,000 vulnerable homebound households, especially to those with disabilities and seniors who live alone. Hired women will be provided with personal protection gears and transportation as needed. The HKCSS will manage and supervise the entire programme.
  • For more details, please visit: https://av.sc.com/hk/content/docs/hk-press-release-covid-relief-2022-eng-final-web.pdf
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DONATED HKD 3 MILLION TO THE HK COUNCIL OF SOCIAL SERVICE
Standard Chartered Hong Kong 150th Anniversary Community Foundation donated HKD 3 Million to the Hong Kong Council of Social Service for provision of close to 800,000 face masks to 100,000 underprivileged families to alleviate the supply shortage. Standard Chartered employee volunteers also helped to pack the face masks to facilitate distribution to those in need. More information can be found in the press release.
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LAUNCHED US$50M COVID-19 ASSISTANCE FUND GLOBALLY
  • In keeping with its brand promise to be Here for good, particularly in times of adversity, Standard Chartered (the Group) launched a US$50 million global fund to provide assistance to those affected by the COVID-19 pandemic.
  • The Group will immediately donate US$25 million to support emergency relief in our most affected markets. The additional US$25 million will help communities over the medium term to recover from the economic impact of the virus. We will also match contributions made by employees and other donors to meet the US$50 million target.  All the Group’s board and management team members will make personal contributions to the fund. More information can be found in the press release.
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DONATED LAPTOPS TO SUPPORT CONTINUOUS LEARNING FOR 400 UNDERPRIVILEGED CHILDREN
To help with children’s continuous learning from home and participation in online classes, we partnered with Caritas-Hong Kong to donate 400 recycled laptops to different low-income families. Our IT colleagues also volunteered to clean and reset the laptops to make sure the devices were in good condition. Our staff also volunteered to support the device distribution and provide basic briefing for the beneficiaries to ensure they can utilize the devices effectively.
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DONATED US$10M TO UNICEF AND THE RED CROSS
  • Pledged US$5m of funding to the Red Cross for urgent medical support, including the provision of primary and secondary health care, communication of protection measures, provision of personal protection equipment (PPE) for Red Cross staff, and the distribution of food, care and education packages for those impacted by Covid-19.
  • Pledged US$5m of funding to UNICEF for the immediate educational support of vulnerable children across 12 markets in Africa and South Asia. Funding will focus on the provision of remote education via TV, radio, online and mobile platforms and child protection measures, including alternative care arrangements and family tracing services for children separated from their families due to Covid-19, training for social workers to conduct home visits to vulnerable children for mental health support, and alternative care and protection services for children of parents or caregivers affected by Covid-19.
  • The donation is part of Standard Chartered Group’s US$50 million COVID-19 assistance fund. More information can be found in the press release.
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SUPPORTED THE COMMUNITY THROUGH VIRTUAL VOLUNTEERING
At Standard Chartered, we strongly encourage our colleagues to contribute to our communities through volunteering our skills and time. In the face of crisis, we need to support one another more than ever, to provide care and comfort and be a source of hope for the future. While we need to maintain social distancing, technology offers us innovative options to provide support remotely to people in need and continue to contribute to sustainable development via virtual volunteering such as online mentoring and virtual workshops for young people, organising comfort calls for the elderly etc.
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STANDARD CHARTERED AND CORPORATE CLIENTS JOINED HANDS IN THE SECOND PHASE OF THE HKCSS SUBDIVIDED UNIT SUBSIDY PROGRAMME
  • The HK$10M donation program to subsidise families living in subdivided units to pay rent has received overwhelming response, more than 10,000 enquiries and applications were received and the original quota of 2,000 was taken up within the first three days.
  • Together with HKCSS, we launched a second phase of donations and relaxed the income reduction requirement for applicants. We also rolled out a donation matching initiative to match every dollar that our clients donate for up to HKD10 million to increase the number of beneficiaries.  Collectively, the Bank’s corporate clients and partners donated near HKD20 million to support the programme and including Standard Chartered’s earlier donation of HKD10 million and the HKD10 million donation matching commitment, the programme raised almost HKD40 million.  More information can be found in the press release and programme video.
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DONATED CLOSE TO 2,000 FOOD PACKS TO SUPPORT THE NEEDY
The tightened social distancing measures to in response to the Covid-19 third wave have hit many sectors hard. To support the needy in the community, we have run a food assistance programme through the Standard Chartered HK 150th Anniversary Community Foundation in partnership with local NGO St. James’ Settlement (SJS), with the generous support from our colleagues, collectively donated close to 2,000 food packs containing staples and canned food for underprivileged households.