Choose the Right Loan Products - Loans

Loan Products
Eligibility
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Type of Loan
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Monthly Repayment Amount
Loan Amount
Tenor
Personal Instalment Loan
Personal Instalment Loan
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All Hong Kong residents aged 20 or above; and
With a fixed annual income of HK$96,000 or above

Planned events eg. wedding, home furnishing

Instalment

Disbursed directly to customers' designated account

Direct Debit

Fixed monthly repayment amount as specified upon loan approval

Up to 18 times of monthly income or HK$2,000,000 (whichever is lower)

12 - 60 months

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Debt Consolidation Personal Instalment Loan
Debt Consolidation Personal Instalment Loan
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All Hong Kong residents aged 20 or above; and
With a fixed annual income of HK$96,000 or above

Settle high interest loan / credit card outstanding

Instalment

Credit to other financial institutes or issue cashier's order to settle outstanding balance.

Direct Debit

Fixed monthly repayment amount as specified upon loan approval

Up to 18 times of monthly income or HK$2,000,000 (whichever is lower)

12 - 72 months

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Revolving Cash Card
Revolving Cash Card
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All Hong Kong residents aged 18 or above; and
With a fixed annual income of HK$96,000 or above

Unplanned events eg. car fix, medical expense

Revolving

Withdraw available fund at any JETCO ATM or purchase through EPS

Direct Debit or credit into loan account

Total outstanding billed interest, fees and charges and minimum 0.5% of total outstanding

Up to 4 times of monthly income or HK$800,000 (whichever is lower)

N/A

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Personal Line of Credit
Personal Line of Credit
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All Hong Kong residents aged 18 or above; and
With a fixed annual income of HK$96,000 or above

Standby credit to manage cash flow

Revolving

Withdraw available credit limit through Standard Chartered Bank current account or cheque issuing

credit into loan account

Minimum 3% of the statement balance or HK$50 (whichever is higher)

Up to 4 times of monthly income or HK$800,000 (whichever is lower)

N/A

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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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