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Get extra cash with monthly handling fee as low as 0.19%^

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Get extra cash with monthly handling fee as low as 0.19%^

Applicable to Standard Chartered and MANHATTAN credit cards

Convert credit limit to help you achieve your goals with a personalised monthly handling fee.




“Instalment Credit” / “Credit Cash” Amount
Monthly Handling Fee
Annualised Percentage Rate (APR)* (for 48 months)
Annualised Percentage Rate (APR)* (for 60 months)
HKD150,000 or above 0.19% 4.43% 4.42%
HKD50,000 – HKD149,999 0.22% 5.13% 5.11%
Below HKD50,000 0.25% 5.82% 5.79%



^ The Annualized Percentage Rate (“APR”) of tenor 48 months and 60 months are 4.43% and 4.42% respectively (NOT including the application fee of HKD200 and calculated based on the Instalment Credit amount of HKD150,000). An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of a product expressed as an annualised rate. For APR of other “Instalment Credit” / “Credit Cash” Amount, please contact the Bank.

*The APRs in the example are calculated based on “Instalment Credit”/“Credit Cash” amount of HKD10,000, HKD50,000 and HKD150,000 (NOT including the one-off application fee of HKD200). The HKD200 application fee waiver only applies to online applications. For applications through other channels, the Bank will levy an application fee of HKD200. The application fee is charged for each “Instalment Credit/Credit Cash” transaction, and will be debited from your Standard Chartered/MANHATTAN Credit Card account one business day after the application is approved. APR is a reference rate, which includes the basic interest rate and other application fees and charges of a product expressed as an annualised rate. For APR of other “Instalment Credit”/“Credit Cash” amount, please contact the Bank.

The operating hours of our Loan Application Hotline from Monday to Friday: 9am – 11pm and Saturday to Sunday; 9am – 8pm (exclude public holidays).

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

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