Debt Consolidation Calculator

What is your portfolio?
  Please provide the following information regarding your current credit cards and / or loan outstanding.
  Current Outstanding
Balance ($)
Estimated Monthly Repayment ($) Annualized Interest Rate (%) Payments left (months)

Important Information:

  • The information contained in this Calculator is based on the best available data with Standard Chartered Bank (Hong Kong) Limited ("the Bank"), the information you provided and on certain generally accepted assumptions and reasonable estimates. Charts, calculations and values used in this document are shown for illustration purpose only.
  • Terms and conditions apply. The Bank reserves the right to alter or terminate the offers or amend the terms and conditions from time to time. In case of disputes, the decision of the Bank shall be final.
  • The Standard Chartered Debt Consolidation Loan Annualized Percentage Rate ("APR") is calculated applying the interest rates applicable to privileged clients, and based on the Total Current Balances, loan tenor and monthly repayment amount suggested by client. APRs are reference rate 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 details please refer to our Latest Promotion. The Bank reserves the right to determine the applicable interest rate, loan amount and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the client's credit record and other relevant factors.
  • The calculation of the Total Payment, Total Interest Paid and Time to Pay Off of Total Current Balances, assumes that clients only make Estimated Monthly Repayment and no new outstanding is applied.
  • The Calculator is intended for reference only, is not meant to be final and binding on the bank and shall in no way be treated as advice given by the Bank. The Bank will not be responsible for any consequences should you choose to rely on information herein contained.

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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.


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.