Apply Standard Chartered Personal Instalment Loan online and drawdown to get Preferential Interest Rate as low as 2.60%1 and up to HK$500 Cash Coupon / 5,000 Asia MilesTM
Please be aware that the Bank will not charge any fees in any format before any loan approval and disbursement, or request any guarantee fund in any format for guaranteeing the approval of any loan. 
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Standard Chartered Personal Loan Services can help you achieve your goals by providing you with extra cash at a low interest rate quickly and easily. Make your plans a reality now!

Standard Chartered Personal Instalment Loan

APR as low as
2.60%1

Loan Tenor up to
60-month

Loan amount
up to HK$2,000,000 or
18x your monthly salary
(whichever is lower)

Up to
12 months interest rebate2

Apply now and drawdown to enjoy Online Exclusive Offer:
Up to HK$500 Cash Coupon /  5,000

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

Top-up Program for Existing Personal Loan Clients

Act now and successfully drawdown can enjoy HK$500 cash coupon.

  • Document Waiver*
  • Maximum tenor up to 60 months
  • Top-up loan amount can be greater than total loan principal repaid
Act Now

(Information collected in this form is solely for the purpose of calling back to provide relevant service that related to this program.)

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Repayment table:

Loan Amount^ (HK$) Loan Tenor
  12 months 24 months 36 months 48 months 60 months
$100,000 - $199,999 Annualised Percentage RateΔ 4.78% 4.92% 4.93% 4.93% 4.90%
Monthly Flat Rate+ 0.085% 0.081% 0.077% 0.074% 0.070%
Monthly Repayment Amount (HK$) $8,418 $4,247 $2,855 $2,157 $1,737
$200,000 - $499,999 Annualised Percentage RateΔ 6.07% 6.24% 6.33% 5.95% 5.72%
Monthly Flat Rate+ 0.140% 0.135% 0.134% 0.134% 0.134%
Monthly Repayment Amount (HK$) $16,947 $8,604 $5,824 $4,435 $3,602
$500,000 - $999,999 Annualised Percentage RateΔ 3.75% 3.90% 3.98% 3.92% 3.89%
Monthly Flat Rate+ 0.040% 0.038% 0.038% 0.038% 0.038%
Monthly Repayment Amount (HK$) $41,867 $21,026 $14,080 $10,606 $8,522
$1,000,000 or above Annualised Percentage RateΔ 3.06% 3.48% 3.86% 3.81% 3.86%
Monthly Flat Rate+ 0.010% 0.021% 0.033% 0.033% 0.036%
Monthly Repayment Amount (HK$) $83,434 $41,877 $28,108 $21,164 $17,027

 

Special promotion for Existing Priority Banking / Payroll Services clients
Loan Amount^ (HK$) Loan Tenor
  12 months 24 months 36 months 48 months 60 months
$1,000,000 or above Annualised Percentage RateΔ 2.60% 3.01% 3.37% 3.67% 3.68%
Monthly Flat Rate+ 0.032% 0.001% 0.013% 0.026% 0.027%
Monthly Repayment Amount (HK$) $83,654 $41,677 $27,908 $21,094 $16,937

The above tables are only applicable for successful online applications and drawdowns of the Standard Chartered Personal Instalment Loan, and the monthly instalment amounts are calculated based on the loan amount of HK$100,000, HK$200,000, HK$500,000 and HK$1,000,000 respectively. The monthly instalment amounts quoted above are rounded to the nearest dollar and are for reference only. Please refer to Section D of the Terms and Conditions of Interest Rebate Offer and Section E of the Terms and Conditions for Online Exclusive Offer for other loan amounts and tenors.

Features

  • Easy Repayment

    Monthly repayment amount as low as HK$1,737 for a loan amount of HK$100,000

  • Online Service Pledge

    Submit your online applications before noon and we will follow up within the same business day

  • Fees and Charges Waiver

    7-day Service Pledge with waiver on early redemption fees and charges

  • Quick Disbursement

    1-hour Loan Disbursement

Eligibility

  • Hong Kong resident aged 20 or above
  • Fixed Annual income of HK$96,000 or above

Remarks :

1The Monthly Flat Rate is 0.032% (for existing Priority Banking / Payroll Services clients with loan amount of HK$1,000,000 and tenor of 12 months). The calculation of the APR has taken into account the Interest Rebate Offer (if applicable). The Interest Rebate Offer will be fulfilled by way of cash rebate to be credited to the repayment account of the respective eligible client at the second month after the Loan drawdown. APRs are reference rates which include the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate. All offers are subject to Terms and Conditions.

2The Interest Rebate Offer is applicable to clients who have successfully applied for and drawn down a Standard Chartered Personal Instalment Loan in the amount of HK$200,000 or above, with a tenor of at least 48 months and subject to a handling fee of 1.5% (per annum) ("Instalment Loan"). All offers are subject to Terms and Conditions.

*The Bank reserves the right to request additional documents for further approval.

^The Bank reserves the right to determine the applicable interest rate and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the client's credit records and other relevant factors.

ΔThe above Annualised Percentage Rates ("APR") are reference rates which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable). The calculation of APR has taken into account of a handling fee of 1.5% (per annum). For existing Priority Banking and Payroll Services clients, if the approved loan amount is HK$1,000,000 or above and the approved tenor is for 12 months, the handling fee of 1% (per annum) will be charged.

+The Monthly Flat Rate shown above was rounded to 3 decimal places for reference only.

The annualised percentage rate ranged from 2.60% to 6.33% and flexible repayment period of 12 to 60 months. The Bank reserves the right to determine the applicable interest rate and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the client's credit records and other relevant factors.

Example: A customer borrows a 60-month loan of HKD100,000 at a monthly flat rate of 0.070% (APR4.90%), total loan repayment amount is HKD$104,200 (a handling fee of 1.5% per annum has been taken into account).

Terms and Conditions

General Terms and Conditions for Standard Chartered Personal Instalment Loan/ Personal Instalment Loan Top-up Program
    You need to read this document
    It sets out specific terms and conditions on which we agree to provide you with the products and services you applied here. You must read it in conjunction with our Client Terms, and the applicable documents referred to in Part A of Client Terms (including the Personal Loans/Personal Line of Credit/Overdraft Terms and the product brochure, Important Notes and promotional terms (if applicable)) and any other documents forming our banking agreement. The banking agreement is available to you at any of our branches or our website at www.sc.com/hk. If there is any inconsistency between the approval and any other part of our banking agreement, then the terms in the approval prevails. These terms do not apply to any existing product(s) or service(s) you have with us to the extent that they are subject to separate terms and conditions.

    Meaning of words
    Other than the defined terms here or under the product brochure or promotional terms (if applicable), you also need to refer to the other documents that form our banking agreement which define key words used below. For instance, please note:-

    you means the person named as the "applicant" in the application.

    we (without limiting the meaning defined in Client Terms) or Bank means Standard Chartered Bank (Hong Kong) Limited for this application.
    Important Notes
  1. To be eligible for this personal instalment loan, your annual income has to be HK$96,000 or above.
  2. We reserve the right to determine the loan amount, limit, monthly repayment amount, interest rate or any other offer in respect of the loan applied, or to decline your application in its entirety without giving you any reason for doing so. If your application is declined, no contractual relationship arises between us and you in respect of any product or service requested in your application.
  3. In case if your application is approved, the pricing (such as interest rate and handling fee) will be offered to you based on the credit record you submit to us upon your application. We reserve the right to modify such pricing offered to you by giving you 30 days advance notice based on our credit assessment from time to time including, but not only limited to, your repayment record, credit bureau grading and our prevailing credit policy.
  4. We may have obtained a credit report on the client and any of its sureties from a credit reference agency in considering any application for credit. In the event the client or any of its sureties wishes to access the credit report, we will advise the contact details of the relevant credit reference agency.
  5. We may set off any amount we owe you against any amount you owe us (whether or not the obligation is matured or contingent).
  6. Without limiting the above, our “Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance and the Code of Practice on Consumer Credit Data” (“Notice”, which is available to you at any of our branches and/or on our website at www.sc.com/hk) also forms part of the banking agreement. We will be using the information you provide to us and for such purposes as set out in the Notice.
  7. We reserve the right to amend the contents and all the important notes or terms and conditions here at any time. In case of disputes, our decision shall be final.
  8. If there is any inconstancy of conflict between the English and the Chinese versions, the English version shall prevail.
    Extract of Personal Loan / Personal Line of Credit/Overdraft Terms

    Part A - Personal Instalment Loans
  1. Choosing the account that is right for you
    We can structure your personal instalment loan to suit your personal banking needs. If you need us to explain any of the features of, or the terms applying to, any personal instalment loan products, please contact us.

  2. The instalment loan
  3. We must provide the loan
    2.1 If we issue an approval, we agree to provide an instalment loan up to the limit. The limit may be different to the limit you applied for.

    Purpose
    2.2 You must use the instalment loan only for the purpose set out in the application or as otherwise approved by us.

    Top up loan
    2.3 If you ask, we may agree to provide a top up loan on terms we notify.
    2.4 You may only make one request for a top up loan on any one business day.

    How we provide the instalment loan
    2.5 Usually we provide the instalment loan by depositing it into the repayment account.
    If we provide the instalment loan by cheque, the cheque is only valid for the period we specify and instalments are payable even if the cheque is not cashed.
    2.6 Fees and charges that are applicable on the instalment loan may be deducted from the instalment loan before depositing it into the repayment account. Please contact us for details of any applicable fees.

  4. Interest, fees and charges
  5. Interest
    3.1 You must pay interest on the instalment loan monthly in arrears at the rate set out in the approval or otherwise in our banking agreement or any other rate we determine from time to time.
    3.2 Interest is payable on the dates set out in the approval, statements or elsewhere in our banking agreement.
    3.3 Interest is calculated on a monthly basis.

    Fees and charges
    3.4 The fees and charges for the instalment loan are set out in the tariff sheet or elsewhere in our banking agreement. Please contact us for further details.
    3.5 We may charge a late payment fee for any overdue payment as set out in the tariff sheet or elsewhere in our banking agreement. Please contact us for further details.

  6. Repayment
  7. Repayment by instalments
    4.1 You must repay the instalment loan in instalments. We notify you the amount of the instalment and each instalment payment date.
    4.2 Any balance owing for the account for the instalment loan (after payment of all instalments) must be repaid on the final payment date we notify you.
    4.3 The instalments are payable even if you do not withdraw any of the instalment loan funds we deposit in the repayment account.
    4.4 If the amount is due on a day which is not a business day, you must pay it on or before the next business day.
    4.5 If we vary the interest rate on the instalment loan, we may vary the instalment amount and the number of instalments.

    Methods of repayment
    4.6 We advise you of the manner in which you must repay the instalments. For example, we may ask you to designate an account for repayment by direct debit and give us documents to facilitate direct debit from that account.
    4.7 You must comply with our usual requirements for the relevant payment method, including any set out in this clause.
    4.8 We start deducting instalments from your repayment account one month after drawdown of the instalment loan.
    4.9 You must ensure that any payment instrument or payment instruction is honoured. For example, you must:
    1. ensure that you have sufficient funds in the account to be debited (including the repayment account);
    2. not stop cheques;
    3. not cancel or vary any payment arrangement (unless we ask you to do so to reflect a change in the instalments) or close or change the account on which cheques are drawn.
    Automatic payment from repayment account with another institution
    4.10 If we require you to repay by automatic payment and the repayment account is with another financial institution you must:
    1. organise a payment arrangement with the other financial institution under which an amount equal to each instalment amount is debited from the repayment account and paid to us on each instalment payment date and give us satisfactory evidence that this is in place; or
    2. provide us with any authority we require to enable us to debit the instalment amount, from the repayment account.
    Payment in full if we ask
    4.11 Despite any other term of our banking agreement, at any time we may demand immediate payment of the instalment loan in full, together with all accrued but unpaid interest, fees and charges in connection with the instalment loan.

    What happens if you do not pay
    4.12 If you do not make an instalment on or before the relevant due date:
    1. the instalment loan plus all accrued but unpaid interest plus any other sum due to us is immediately due and payable; and
    2. we will charge you a late payment fee as set out in the tariff sheet or elsewhere in our banking agreement.
    How we apply payments
    4.13 We may use amounts we receive from any of your instalments to pay interest, fee and charges and insurance premium (if any) rather than to reduce the principal amount you owe to us or to pay amounts you owe us in any order we choose. For example, we may allocate a high proportion of any one or more of your instalments to interest rather than to the principal amount you owe us.

  8. Prepayment
    You may prepay all (but not part) of the instalment loan if:
    1. you give us reasonable notice in writing; and
    2. when you prepay, you also pay all accrued but unpaid interest, fees and charges in connection with the instalment loan (including any early settlement fees as set out in the tariff sheet or elsewhere in our banking agreement). Details of these fees and charges are available by contacting us.
    We may also require you to pay us an amount equal to one month's interest on the instalment loan.

  9. Cancellation
    Our Client Terms set out when you and we may end your use of any product and what you need to do if that happens. This includes immediate payment of the balance owing for the account for the instalment loan. This clause sets out additional circumstances in which you or we may cancel the instalment loan.
    You may only cancel the instalment loan before the drawdown of an instalment loan and within the period we specify. However, we may charge you a cancellation fee (details of which are available by contacting us).

  10. Telephone enquiry
    When we receive an enquiry by telephone, we may verify an enquirer's identity by asking them to provide your Hong Kong Identity Card number (or passport number if you do not have a Hong Kong Identity Card), the loan amount applied for and any other information we see fit. If we genuinely believe the enquirer to be you, you authorise us to disclose the following data to the enquirer:
    1. loan approval status (approved, pending or rejected); and
    2. if the loan is approved, the exact amount approved, the interest rate, the number of instalments, the final payment date and the drawdown date.
    Extract of Service Charges*
    1. Late Payment Charge
    1. HK$1,000 per month
    2. Payable when you do not repay a monthly instalment on or before the relevant due date
    2. Handling Fee
    1. standard rate ranging from 1-2% p.a. on the drawdown amount (The final approved rate will be considered on a case-by-case basis. For details, please refer to the letter of the loan approval)
    2. To be deducted from the drawdown amount before depositing it to your repayment account
    3. Early Redemption Penalty
    1. 2.5% of initial loan amount
    2. Payable when you repay the loan in full early

    *For details of the fees and charges as shown on the tariff sheet, please contact any of our branches and /or visit our website at www.sc.com/hk.

Personal Instalment Loan Terms and Conditions
  1. 5-min preliminary approval remarks
    Clients must apply the Standard Chartered Personal Instalment Loan application via phone or at any of our branches of Standard Chartered Bank (HK) Limited (the "Bank") with all the required information in person during our service hours (Monday-Friday: 9am-5pm, except Saturday and public holidays). Processing will start only after all the required information has been successfully input into our system, and shall be subject to the actual circumstances of each individual case.

  2. 1-hour loan disbursement remarks
    Clients must submit the Standard Chartered Personal Instalment Loan application with all the required information during our service hours (Monday-Friday: 9am-5pm, except Saturday and public holidays).  Processing will start only after all the required information has been successfully input into our system, and shall be subject to the actual circumstances of each individual case. 1-hour loan disbursement service will be provided upon clients’ requests.  Clients have to provide all required documents and have valid and existing accounts with the Bank to be assigned for fund disbursement.  Processing will be started only after the loan is approved, and shall be subject to the actual circumstances of each individual case.

  3. Terms & Conditions for 7-day Service Pledge
    1. 7-day Service Pledge may be applied by clients who have successfully applied for and drawdown a Standard Chartered Personal Instalment Loan ("Loan") but wish to early redeem the Loan in full within 7 calendar days of the drawdown date.
    2. Any application for the 7-day Service Pledge has to be made by the relevant client in person at any of our branches within 7 calendar days of the Loan drawdown date.  The relevant client must also bring along the Bank’s approval notice in respect of the Loan and settle the Loan in full to the Bank’s satisfaction.  Subject to the Bank’s approval of such application, the Bank will waive the handling fee, the early redemption penalty (2.5% of the initial loan amount) and the first month’s interest payable by the relevant client under the Loan. Clients who have enjoyed this 7-day Service Pledge is not entitled to the Interest Rebate Offer.
    3. The 7-day Service Pledge can only be enjoyed by each client once during the promotion period.

  4. Terms & Conditions of Interest Rebate Offer
    1. The Interest Rebate Offer is applicable to clients who have successfully applied for and drawn down a Standard Chartered Personal Instalment Loan in the amount of HK$200,000 or above, with a tenor of at least 48 months and subject to a handling fee of 1.5% (per annum) ("Instalment Loan").
    2. The number of months eligible for Interest Rebate Offer shall depend on the tenor of the Instalment Loan of the respective eligible clients, as set out in the table below:
    3. Loan Tenor Number of months eligible for Interest Rebate Offer
      48 months 6
      60 months 12
    4. Rebate amount of Interest Rebate Offer entitled by each eligible client will be calculated with reference to the interest rate pertaining to the Instalment Loan as follows:
      Approved loan amount x Interest Rate (Monthly Flat Rate) x Number of months eligible for Interest Rebate Offer
    5. The Interest Rebate Offer will be fulfilled by way of cash rebate to be credited to the repayment account of the respective eligible client at the second month after the Instalment Loan drawdown.
      For example, if the client drawdowns the Instalment Loan on 3 March 2017, the cash rebate will be credited to the repayment account on or before 31 May 2017.
    6. Notwithstanding the above, the Interest Rebate Offer will not be credited or otherwise awarded to eligible clients if the loan accounts of eligible clients have become delinquent or if clients have any payment due and payable to the Bank or unsatisfactory credit history.
    7. If the eligible clients have early redeemed the Instalment Loan after the Interest Rebate Offer has been credited to the clients, the Bank reserves the right to debit an amount equivalent to such Interest Rebate Offer together with any cost incurred by the Bank as a result of such early redemption or debiting from the account of the relevant client at the early redemption date of the Instalment Loan without any prior notice to the relevant client.

  5. Monthly Repayment Table^
    Loan Amount
    (HK$)
     
    Loan Tenor
    12 Months 24 Months 36 Months 48 Months 60 Months
    $5,000 - $19,999 Interest Rate (Monthly Flat Rate)+ 0.380% 0.370% 0.370% 0.373% 0.376%
    Monthly Repayment Amount (HK$)# $87.14 $45.37 $31.49 $24.56 $20.43
    Annualised Percentage Rate* (11.76%) (11.97%) (12.10%) (12.21%) (12.32%)
    $20,000 - $49,999 Interest Rate (Monthly Flat Rate)+ 0.240% 0.233% 0.232% 0.232% 0.233%
    Monthly Repayment Amount (HK$)# $85.74 $44.00 $30.10 $23.16 $19.00
    Annualised Percentage Rate* (8.42%) (8.60%) (8.71%) (8.80%) (8.89%)
    $50,000 - $199,999 Interest Rate (Monthly Flat Rate)+ 0.190% 0.184% 0.183% 0.183% 0.183%
    Monthly Repayment Amount (HK$)# $85.24 $43.51 $29.61 $22.67 $18.50
    Annualised Percentage Rate* (7.24%) (7.41%) (7.52%) (7.60%) (7.67%)
        Interest Rebate 6 Months 12 Months
    $200,000 - $499,999 Interest Rate (Monthly Flat Rate)+ 0.140% 0.135% 0.134% 0.134% 0.134%
    Monthly Repayment Amount (HK$)# $84.74 $43.02 $29.12 $22.18 $18.01
    Annualised Percentage Rate* (6.07%) (6.24%) (6.33%) (5.95%) (5.72%)
    $500,000 - $999,999 Interest Rate (Monthly Flat Rate)+ 0.040% 0.038% 0.038% 0.038% 0.038%
    Monthly Repayment Amount (HK$)# $83.74 $42.06 $28.16 $21.22 $17.05
    Annualised Percentage Rate* (3.75%) (3.90%) (3.98%) (3.92%) (3.89%)
    $1,000,000 or above Interest Rate (Monthly Flat Rate)+ 0.010% 0.021% 0.033% 0.033% 0.036%
    Monthly Repayment Amount (HK$)# $83.44 $41.88 $28.11 $21.17 $17.03
    Annualised Percentage Rate* (3.06%) (3.48%) (3.86%) (3.81%) (3.86%)
    Existing Priority Banking / Payroll Services clients
    $1,000,000 or above Interest Rate (Monthly Flat Rate)+ 0.032% 0.001% 0.013% 0.026% 0.027%
    Monthly Repayment Amount (HK$)# $83.66 $41.68 $27.91 $21.10 $16.94
    Annualised Percentage Rate* (2.60%) (3.01%) (3.37%) (3.67%) (3.68%)
    The above table is for illustration purposes only.

    ^
    We reserve the right to determine the applicable interest rate and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the client's credit records and other relevant factors.
    +
    The Monthly Flat Rate shown above was rounded to 3 decimal places for reference only.
    #
    For every HK$1,000 loan amount.
    *
    The calculation of the Annualised Percentage Rates (“APR”) in parentheses above has taken into account of a handling fee of 1.5% (per annum) and the Interest Rebate Offer (if applicable). For existing Priority Banking and Payroll Services clients, if the approved loan amount is HK$1,000,000 or above and the approved tenor is for 12 months, the handling fee of 1% (per annum) will be charged. The Interest Rebate Offer will be fulfilled by way of cash rebate to be credited to repayment account of the respective eligible client at the second month after the Loan drawdown. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges of a product expresses as an annualised rate.


    E. Terms and Conditions for Online Exclusive Offer:
  1. The promotion period for the Online Exclusive Offer is from 1 March 2017 to 30 April 2017 (the “Promotion Period”).
  2. Clients who successfully apply for and drawdown the Standard Chartered Personal Instalment Loan (“Loan”) online during the Promotion Period can enjoy up to 4,000 Asia Miles™ or designated cash coupon of up to HK$400 ("Coupon") and a Preferential Interest Rate . Clients can get extra 1,000 Asia Miles™ or HK$100 Coupon if they submit all required documents within 7 calendar days upon application. The eligibility for the Asia Miles/ Coupon and Preferential Interest Rate shall depend on the Loan amount drawn down and loan tenor, the details are set out in the table below: 
    Loan Amount (HK$) Asia Miles / Coupon (HK$) for submission of all required documents within 7 calendar days Asia Miles / Coupon (HK$) for successfully drawdown the Loan on or before 30 April 2017 Total Asia Miles / Coupon
     (HK$)
    Applicable to Loan Tenor 12 and 24 months
    $200,000 or above 1,000 or $100 1,000 or $100 2,000 or $200
    Applicable to Loan Tenor 36, 48 and 60 months
    $50,000 - $99,999 1,000 or $100 1,000 or $100 2,000 or $200
    $100,000 - $199,999 1,000 or $100 2,000 or $200 3,000 or $300
    $200,000 or above 1,000 or $100 4,000 or $400 5,000 or $500
  3. To be eligible for the Asia Miles/ Coupon, eligible client’s Loan account must be valid with no past due or unsatisfactory credit history as determined by the Bank in its sole discretion in order to enjoy the Asia Miles/ Coupon.
  4. For any Asia Miles reward, eligible clients must have an Asia Miles membership account. Otherwise, an Asia Miles membership account must be set up for the entitlement of the miles. Eligible clients must have successfully registered online within 1 month from the Loan drawdown date with valid Asia Miles membership information in the name of the eligible clients via the online registration form on sc.com/hk/AM to enjoy the relevant Asia Miles. Successful registration cannot be cancelled.
  5. The Bank will forward the relevant information, including valid Asia Miles membership number and English full name of the eligible client, as well as the entitled amount of miles, if any, to Asia Miles Limited only for fulfilment purpose. Relevant Asia Miles will be credited directly to the eligible client’s Asia Miles membership account on the third month after the Loan drawdown. In case the information submitted is incorrect or insufficient as considered by the Bank or Asia Miles Limited or if any of the criteria relating to this Offer has not been met, the Bank reserves the right to cancel or forfeit absolutely the entitlement under this Offer in its entirely. For the avoidance of doubt, Terms and Conditions of Asia Miles shall apply for mileage redemptions. For details, please visit www.asiamiles.com.
  6. Terms and Conditions of Asia Miles™ apply for redemption and/or use of Asia Miles. For details, please visit www.asiamiles.com. The Bank is not obliged to notify you of any changes or latest announcements of Asia Miles Limited. Clients understand and accept that the Bank is not supplier of the redeemed items (including Asia Miles). The Bank shall bear no liability relating to any aspect of the Asia Miles and/or redeemed items, including without limitation, their quality, the supply, the descriptions provided by the supplier, any false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the Asia Miles and/or redeemed items provided by the supplier, its employees, officers or agents.
  7. For those eligible clients who do not successfully register for the Asia Miles reward will be entitled to a coupon reward. The redemption letter of the Coupon will be sent out by mail to the respective eligible client’s correspondence address as provided in the online application form on the third month after the Loan drawdown.
  8. The Bank also reserves the right to terminate the offer and to vary or modify any of the terms and conditions herein from time to time. In case of any disputes, the Bank’s decision shall be final and binding.
  9. If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.
    Online Exclusive - Preferential Interest Rate Table
    Loan Amount^ (HK$) Loan Tenor
      12 Months 24 Months 36 Months 48 Months 60 Months
    $50,000 - $99,999 Annualised Percentage Rate 5.52% 5.68% 5.68% 5.67% 5.63%
    Monthly Flat Rate 0.1162% 0.1121% 0.1075% 0.1038% 0.0999%
    Monthly Instalment Amount(HK$) 4,225 2,139 1,443 1,094 883
    $100,000 - $199,999 Annualised Percentage Rate 4.78% 4.92% 4.93% 4.93% 4.90%
    Monthly Flat Rate 0.0845% 0.0808% 0.0768% 0.0740% 0.0700%
    Monthly Instalment Amount(HK$) 8,418 4,247 2,855 2,157 1,737

    The above table is only applicable for successfully applying via online and drawdown Standard Chartered Personal Instalment Loan and the monthly instalment amount are calculated based on loan amount of HK$50,000 and HK$100,000 respectively. The monthly instalment amount quoted above are rounded to the nearest dollar and are reference only.

    ^
    The Bank reserves the right to determine the applicable interest rate and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the client's credit records and other relevant factors.
    The above Annualised Percentage Rates ("APR") are reference rate which include the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate.
    F. Terms & Conditions for Online Application Service Pledge
  1. The Online Application Service Pledge ("Service Pledge") is only applicable to clients who apply for any Standard Chartered Personal Loans (including Personal Instalment Loan and Debt Consolidation Program) by successfully completing all the required data and submitting the online application forms via the Bank website www.sc.com/hk and providing a valid mobile phone number.
  2. Under the Service Pledge, for any online applications received before 12:00 noon of any business days, a designated staff of the Bank will follow up the applications with clients by calling the contact phone number provided by the clients on the application within the same day before 5:00 p.m. If the online applications are received after 12:00 noon or during non business days, the designated staff of the Bank will follow up the applications with clients on the next business day before 2:00 p.m. If clients cannot be contacted by phone number(s) provided in the application within the above mentioned time, a notification SMS will be sent to clients’ mobile number as provided in the online application forms within the same day. The language of notification SMS will be subject to the language of clients’ by completing online application forms.
  3. The Bank received online applications Bank Staff made follow-up calls
    Before 12:00 noon on any business days Same business day before 5:00 p.m.
    After 12:00 noon on any business days or during non business days Next business day before 2:00 p.m.
  4. In any circumstances where the Bank fails to contact client by phone and fails to send out SMS to clients according to requirement stated in point 2 above, a HK$100 Supermarket Cash Coupon ("Coupon") will be offered to the client. The Coupon will be sent by mail to clients' correspondence address as provided in the online application form, on or before 30 June 2017. To be eligible for this Coupon, the loan applications should not be cancelled by the clients before the Bank's final decision.
  5. Whether the SMS successfully reach the relevant clients will be subject to the record of SMS network provider of the Bank.
  6. The Service Pledge is not available to those online applications with invalid / no correspondence address provided.
    General Terms and Conditions for Online Offers
  1. Online Offers consist of offers in sections A - F above.
  2. Unless otherwise specified, the Online Exclusive Offers cannot be used in conjunction with any other promotional offers.
  3. The Coupon (as defined under Section E and F) is not transferable, returnable or redeemable for cash. The use of the Coupon is subject to the terms and conditions as stipulated by the supplier (if applicable).
  4. Clients understand and accept that the Bank is not the supplier of the products/services purchased from the merchant (including the Coupon). The Bank shall bear no liability relating to any aspect of the products/services/coupon, including without limitation, their quality, the supply, the descriptions of goods and/or services provided by the merchant, any false trade description, misrepresentation, mis-statement, omission, unauthorised representation, unfair trade practices or conduct in connection the products / services / coupon provided by the merchant, its employees, officers or agents.
  5. The Bank reserves the right to amend or terminate the above offers and any of the above terms and conditions from time to time. For any and all matters or disputes regarding the above, the Bank's decision shall be final and binding.
  6. In case of discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.
Personal Instalment Loan Top-up Program Terms and Conditions
  1. A. Terms and Conditions of Standard Chartered Personal Instalment Loan Top-up Program (the “Program”):

    1. This Program is only applicable to account holder’s designated Standard Chartered “Personal Instalment Loan” account. Standard Chartered Bank (Hong Kong) Limited (the “Bank”) reserves the right of final approval of any application (including the Loan Amount) and is under no obligation to provide reasons for its decisions.
    2. These Terms and Conditions are only applicable to clients who i) successfully apply for and drawdown a Loan Amount on existing Personal Instalment Loan Account or ii) successfully apply for a new Personal Instalment Loan and use part of the Loan Amount to fully repay an existing Personal Instalment Loan.
    3. Once the application is approved, no alteration or cancellation will be accepted.
    4. By making an application, client is deemed to have read and accepted these Terms and Conditions herein, all Terms and Conditions stated in the Client Terms and the applicable documents referred to the Client Terms, and the Terms and Conditions of Standard Chartered Personal Instalment Loan.
    5. The Bank may request supplementary documents from client for further approval.
    6. You may only repay the instalment loan in full (but not part of it) early if you notify us in writing ten business days before your proposed prepayment date. If you wish to repay your Loan early, you must pay the instalment loan in full, plus all accrued but unpaid interest up to the actual settlement date plus any other sum due to us. We will charge you an early settlement fee of 2.5% of the initial loan amount to cover our own administration fees and other costs.
    7. The Bank reserves the right to alter or terminate the offers mentioned in the promotional material and amend all Terms and Conditions at any time. In case of any disputes, the decision of the Bank shall be final.
    8. The terms and conditions of the Standard Chartered Personal Instalment Loan and fees and charges (as set out in our Service Charges Booklet) shall apply to the personal loan product applied. Please contact us for more information.
      1. the instalment loan plus all accrued but unpaid interest plus any other sum due to us is immediately due and payable; and
      2. we will charge you a late payment fee of HK$1,000.
    9. In case of discrepancy between the English and the Chinese versions of these Terms and Conditions, the English version shall prevail.

  2. B. Terms and Conditions for HK$500 Supermarket Cash Coupon (“Coupon”) Offer:

    1. In order to enjoy the $500 Supermarket Cash Coupon (“Coupon”), existing clients (“Existing Clients”) who have Personal Instalment Loan with the “Bank” are required to leave their information in the online form, complete the application via Standard Chartered Loan Hotline and successfully drawdown on or before 30 June 2017.
    2. The redemption letter of the Coupon will be sent out by mail to the respective eligible client’s correspondence address at the second month after the Loan drawdown.
    3. Client will not be eligible for any Coupon if client cancels his/her application during the Promotion Period.
    4. This Coupon is subject to the relevant terms and conditions of the merchant. Please contact the merchant for details. All coupons cannot be transferred to others or redeemed, refunded for cash. If the Coupon becomes out of stock, the Bank reserves the right to offer an alternative gift as replacement without prior notice.
    5. Clients understand and accept that the Bank is not the supplier of the products/services purchased from the merchant. The Bank shall bear no liability relating to any aspect of the products/services, including without limitation, their quality, the supply, the descriptions of goods and/or services provided by the merchants, any false trade description, misrepresentation, misstatement, omission, unauthorized representation, unfair trade practices or conduct in connection the products and/or services provided by the merchants, their employees, officers or agents.

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.

Disclaimer

Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.

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