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Standard Chartered Personal Instalment Loan Annualised Percentage Rate as low as 1.75%# with 0% handling fee

Personal Loan Calculator
Loan Amount
HKD
Tenor
months(s)
Monthly Repayment as low as
HKD28.70
Annualised Percentage Rate as low as3
1.98%

Note: Monthly Repayment and Annualised Percentage Rate displayed here is for reference only and is subject to credit approval

Standard Chartered Personal Instalment Loan

Get extra cash the smart way to achieve your goals and enjoy an interest-free repayment deferral period. Tailored specifically to meet your needs at a low interest rate.

Standard Chartered Personal Instalment Loan Key Product Features:

Exclusive online offers – Up to

HKD3,000
Cash Rebate

and extra

HKD1,000
Cash Rebate for New Client* and loan tenor is 36 months or above

Up to

2 months
interest-free repayment deferral+

Annualized Percentage Rate as low as

1.75%#

Handling fee

0%

Loan amount up to

18X
salary or HKD 2,000,000
(whichever is lower)

Loan tenor up to

60months

Other Product Features:

  • 7-Days Cooling-off Period - Early redemption fees and changes waiver
  • Online Service Pledge – Application submitted before noon will be followed up within the same business day
  • Calculator – Get a quick estimation on your monthly repayment amount for better planning

Personal Instalment Loan Repayment Table

Loan Amount^ (HKD)

LOAN RANGE

Loan Tenor

12 months

24 months

36 months

48 months

60 months

Monthly Flat Rate¹

0.2195%

0.2209%

0.2236%

0.2261%

0.2305%

Monthly Repayment² (HKD)

$ 85.53

$ 43.88

$ 30.02

$ 23.01

$ 18.98

Annualised Percentage Rate³

4.94%

5.13%

5.22%

5.27%

5.35%

Loan Tenor

12 months

24 months

36 months

48 months

60 months

Monthly Flat Rate¹

0.2195%

0.2209%

0.2236%

0.2261%

0.2305%

Monthly Repayment² (HKD)

$ 85.53

$ 43.88

$ 30.02

$ 23.01

$ 18.98

Annualised Percentage Rate³

4.94%

5.13%

5.22%

5.27%

5.35%

Loan Tenor

12 months

24 months

36 months

48 months

60 months

Monthly Flat Rate¹

0.2195%

0.2209%

0.2236%

0.2261%

0.2305%

Monthly Repayment² (HKD)

$ 85.53

$ 43.88

$ 30.02

$ 23.10

$ 18.98

Annualised Percentage Rate³

4.94%

5.13%

5.22%

5.27%

5.35%

Loan Tenor

12 months

24 months

36 months

48 months

60 months

Monthly Flat Rate¹

0.2195%

0.2209%

0.2236%

0.2261%

0.2305%

Monthly Repayment² (HKD)

$ 85.53

$ 43.88

$ 30.02

$ 23.10

$ 18.98

Annualised Percentage Rate³

4.94%

5.13%

5.22%

5.27%

5.35%

Loan Tenor

12 months

24 months

36 months

48 months

60 months

Monthly Flat Rate¹

0.0785%

0.0929%

0.0920%

0.2014%

0.2056%

Monthly Repayment² (HKD)

$84.12

$42.60

$28.70

$ 22.85

$ 18.73

Annualised Percentage Rate³

1.75%

2.15%

2.15%

4.70%

4.78%

Loan Tenor

12 months

24 months

36 months

48 months

60 months

Monthly Flat Rate¹

0.0785%

0.0929%

0.0920%

0.2014%

0.2056%

Monthly Repayment² (HKD)

$84.12

$42.60

$28.70

$ 22.85

$ 18.73

Annualised Percentage Rate³

1.75%

2.15%

2.15%

4.70%

4.78%

Loan Tenor

12 months

24 months

36 months

48 months

60 months

Monthly Flat Rate¹

0.0785%

0.0929%

0.0920%

0.1829%

0.1868%

Monthly Repayment² (HKD)

$84.12

$42.60

$28.70

$ 22.67

$ 18.54

Annualised Percentage Rate³

1.75%

2.15%

2.15%

4.27%

4.35%

Loan Tenor

12 months

24 months

36 months

48 months

60 months

Monthly Flat Rate¹

0.0785%

0.0929%

0.0920%

0.1829%

0.1868%

Monthly Repayment² (HKD)

$84.12

$42.60

$28.70

$ 22.67

$ 18.54

Annualised Percentage Rate³

1.75%

2.15%

2.15%

4.27%

4.35%

Loan Tenor

12 months

24 months

36 months

48 months

60 months

Monthly Flat Rate¹

0.0785%

0.0929%

0.0920%

0.1665%

0.1703%

Monthly Repayment² (HKD)

$84.12

$42.60

$28.70

$ 22.50

$ 18.37

Annualised Percentage Rate³

1.75%

2.15%

2.15%

3.89%

3.97%

Loan Tenor

12 months

24 months

36 months

48 months

60 months

Monthly Flat Rate¹

0.0785%

0.0929%

0.0920%

0.1665%

0.1703%

Monthly Repayment² (HKD)

$84.12

$42.60

$28.70

$ 22.50

$ 18.37

Annualised Percentage Rate³

1.75%

2.15%

2.15%

3.89%

3.97%

Remarks

#The Annualised Percentage Rate is 1.75% (for clients with loan amount of HKD$200,000 or above and tenor of 12 months). APRs are reference rates which include 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 rate is 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.

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

+Clients are to be bound by Terms and conditions for up to 2 months interest-free repayment deferral program. Up to 2 months interest-free repayment deferral program is not being taken into account the Bank’s promotional interest rates. Up to 2 months interest-free repayment deferral program is applicable via online, branch, Corporate Partnership channels and call in to our application hotline.

1. The Monthly Flat Rate shown above was for reference only.

2. For every HKD1,000 loan amount.

3. The above Annualised Percentage Rates (“APR”) are reference rates which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable). This APR does not include cash rebate.

The Annualised Percentage Rate ranged from 1.75% to 5.35% and flexible repayment period of 12 to 60 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.

Example: A customer borrows a 60-month loan of HKD100,000 at a monthly flat rate of 0.2305% (APR 5.35%), total loan repayment amount is HKD113,830.

Top-up Service for Existing Personal Instalment Loan Clients
  • Document waiver*
  • Maximum tenor up to 60 months
  • Top-up loan amount can be greater than total loan principal repaid

*The Bank reserves the right to request additional documents for further approval.

Act Now

(Information collected in this form is solely for the purpose of calling back to provide relevant service that related to this program.)

View Details »

The operating hours of our Loan Application Hotline is from 9am – 9pm on Monday to Friday and 9am – 8pm on Saturday and Sunday.

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

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 computer generated Payroll Slip or latest 1 month’s Bank Statements / Passbook showing your name, account number and salary entries
  • For irregular income earners, please enclose your latest 3 months’ computer generated Payroll Slip or latest 3 months’  Bank Statements / Passbook showing your name, account number and salary entries
  • 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