Monthly interest rebates will be credited to your Business Instalment Loan repayment account every month based on your loan tenure starting from loan drawdown.

Average Daily Balance for All Accounts Linked to Smart Business BonusPack Business Instalment Loan Monthly Interest Rebate Percentage
HK$50,000 - HK$120,000 1%
HK$120,001 - HK$200,000 3%
HK$200,001 - HK$500,000 5%
HK$500,001 - HK$1,000,000 8%
HK$1,000,001 and above 10%

Monthly interest rebates will be credited to your Business Instalment Loan repayment account every month based on your loan tenor starting from loan drawdown.

^ For limited companies, personal guarantees are required from major shareholders.

# The Express Approval Guarantee does not apply to clients applying for the SME Financing Guarantee Scheme (SFGS) under Hong Kong Mortgage Corporation (HKMC). The validity period of the Express Approval Guarantee starts at the time when the Express Approval Guarantee notification is sent and ends when the Preliminary Credit Assessment result is delivered to the customer. Only bank working days (Monday- Friday, except Saturday and public holidays) are considered. If the time period falls on a public holiday, the next working day will be used.

Terms and Conditions

  • Smart Business BonusPack and Business Instalment Loan

    Express Approval Guarantee

  • Remarks:

    • Standard Chartered Bank (Hong Kong) Limited 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 customer's credit record and other relevant factors.
    • A maximum of 10 Hong Kong Dollar Current or Savings Account(s) (including the Business Instalment Loan repayment account, but not BusinessOne® and Marathon Savings Account) of the Bank can be linked to each Smart Business BonusPack. The name of such Account holders must be the same as the borrower in the Business Instalment Loan application. Only the balance of the linked Hong Kong Dollar Current or Savings Account(s) will be counted in the total balance of the Smart Business BonusPack.
    • The approval of the Business Instalment Loan is subject to related Terms and Conditions.

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