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Recycle the balance of your credit cards bills, instalments and other debts in one go.

Person, Shopping, Female

Recycle the balance of your credit cards bills, instalments and other debts in one go.

Recycle the balance of your credit cards bills, instalments and other debts in one go

Standard Chartered Debt Consolidation Programme helps consolidate your credit card bills, instalment loans and even your credit card instalments at one go. In addition to helping you save on interest expenses, you can also enjoy Cash Rebate and other springtime limited offers.

Architecture, Building, Clock Tower

Grand Lucky Draw

    Win prize equivalent to round-trip business class seats* to Europe for 2 worth up 336,000 miles* – Total 6 winners.

Personal Instalment Loan Debt Consolidation Program Features:

Exclusive online offers- Up to

HKD 20,000
cash rebate

and extra

HKD 1,000
Cash Rebate for New Client^ and loan tenor is 36 months or above

Interest and repayment

Saved Interest up to 95% , monthly repayment 12%

Monthly Flat Rate as low as

0.20%1

Handling fee

0%

Loan amount

up to
24X
salary or HKD 2,000,000
(whichever is lower)

Loan tenor up to

84months

Other Product Features:

  • Extra stand-by cash of up to 14X salary
  • Interest Saving-Pay off high-interest debts such as credit card outstanding to reduce your total interest expense

Debt Consolidation Loan Calculator

  • Get a quick estimation on your monthly repayment amount with our loan calculator

Personalised interest rate, Monthly Flat Rate as low as 0.20%1

Illustration:
Outstanding balance of credit card2
Standard Chartered Personal Instalment Loan Debt Consolidation Program3
Loan amount HKD200,000 HKD200,000
Repayment period (month) 397 48 (Repayment period ↓ 87%)
Average monthly repayment HKD5,283 HKD4,607 (Monthly repayment ↓12%)
Total interest expense HKD487,206 HKD21,120 (interest saved ↑95%)
The above table is for illustration purposes only.

Remarks :

^New Clients are applicants who are not holding any loans and/or credit cards issued by the Bank at the time of this application

*Each Lucky Draw winner drawn will be entitled to 128,000 Asia Miles which is a reasonable equivalent to two Japan round trip business air tickets. The referenced Asia Miles flight award redemption (i.e., Two Japan Round Trip Business Tickets) is for reference only. The Bank will not accept any liability for the difference between the referenced and the actual flight award redemptions. Winners should contact Asia Miles Limited and/or refer to Asia Miles Limited website for the latest flight award redemption details.

  1. The Monthly Flat Rate shown above is for reference only. The actual monthly flat rate will be subject to the Bank’s approval on a case-by-case basis. The Annualised Percentage Rate (“APR”) is 4.67% (based on the loan amount of HKD200,000 or above with tenor of 36-month and the actual Monthly Flat Rate). An APR is a reference rate which includes the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include cash rebate. The preferential interest rates are only applicable to clients who are not holding any Standard Chartered Credit Cards at the time of this application. The Bank reserves the right to determine the applicable interest rate and handling fee, and to approve a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors as the Bank may consider in its absolute discretion. All offers are subject to Terms and Conditions.
  2. The above illustration is calculated based on an annual interest rate of 30% charged by general credit card on a monthly repayment of 1% of the credit card outstanding balance or HKD50 (whichever is higher) over a 397-month repayment period. The average monthly repayment amount quoted above is calculated based on the first 3-month repayment amount and is rounded to the nearest dollar. The Annualised Percentage Rate (“APR”) is 31.73%. The total interest expense over the whole repayment period quoted above is rounded to the nearest dollar.
  3. The above illustration is calculated based on a monthly flat rate of 0.2200% with 48-month loan repayment period for a Standard Chartered Personal Instalment Debt Consolidation Program (“Program Loan”). The APR is 5.13% (rounded up or down to the nearest two decimal places), and the total loan repayment amount is HKD221,120 (including full handling fee waiver). An APR is a reference rate which includes the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include cash rebate. Please note that the actual monthly flat rate, APR, monthly repayment amount and total interest expense applicable will be subject to Standard Chartered Bank (Hong Kong) Limited (the “Bank”) final approval of the Program Loan for individual client. The average monthly repayment amount and the total interest expense over the whole repayment period quoted above are rounded to the nearest dollar. The above example is for reference only.
  4. The Annualised Percentage Rate ranged from 4.67% to 36% and flexible repayment period of 12 to 84 months. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include cash rebate. The Bank reserves the right to determine the applicable interest rate and handling fee and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors.

The operating hours of our Loan Application Hotline are from Monday to Friday: 10am – 7pm.

Eligibility & Documents

Eligibility

  • Hong Kong resident aged 20 or above
  • Fixed annual income of HKD96,000 or above

Required Documents

  • Your Hong Kong Permanent Identity Card
  • Your latest residential address proof showing your name
  • For regular income earners, please enclose your latest 1 month’s Bank Statements / Passbook showing your name, account number and salary entries or latest 1 month’s computer generated Payroll Slip, or latest Tax Demand Note
  • For irregular income earners, please enclose your latest 3 month’s Bank Statements / Passbook showing your name, account number and salary entries or latest 3 month’s computer generated Payroll Slip, or latest Tax Demand Note
  • For self-employed applicants, please enclose your Business Registration Certificate AND latest Profits Tax Demand Note
  • Note: The bank reserves the rights of requiring more supportive documents for further review.

Terms and Conditions

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