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Dedicated 100% Loan Guarantee Scheme

2 businessmen shaking hands for the success of partnership

Dedicated 100% Loan Guarantee Scheme

Dedicated 100% Loan Guarantee Scheme

Standard Chartered Business Banking fully supports the “Dedicated 100% Loan Guarantee Scheme” launched by HKMC Insurance Limited (HKMCI) to help SMEs cope with the challenges. Eligible clients can submit applications on or before 28 October 2024. Please apply now to enjoy priority processing.

^ The Prime Lending Rate is currently at 6.125% p.a. as announced by The Hong Kong Mortgage Corporation Limited which is accessible at as at 31 July 2023.

# Clients of Dedicated 100% Loan Guarantee Scheme are entitled to HKMCI’s full guarantee fee waiver.


  1. The Dedicated 100% Loan Guarantee Scheme (“the DLGS”) is provided by HKMC Insurance Limited (“HKMCI”).
  2. Personal guarantees are required from major shareholders in the case of limited companies and from partners in the case of partnerships, or corporate guarantees are required from listed companies.
  3. Client must have successfully submitted the application to HKMCI with Standard Chartered Bank (Hong Kong) Limited (the “Bank”) on or before 28 October 2024 and drawn down the DLGS before the designated deadline.
  4. In addition to the terms and conditions of the DLGS as specified and announced by HKMCI, client must also fulfil the terms and conditions as specified by the bank from time to time. For details of the DLGS, please visit relevant website or contact our Relationship Managers.
  5. The Bank reserves the right to determine the acceptance of a loan application, the applicable facility amount and loan tenor by considering the client’s credit records and other relevant factors. The application for the banking products and services under the DLGS is subject to the relevant eligibility, application process and relevant terms and conditions. For further details, please refer to our Relationship Manager for assistance. In case of any disputes, the Bank’s decision shall be final and binding.
  6. If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.

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