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Annualised Percentage Rate as low as 2.38%1 with 0% handling fee

Apply now and drawdown to get up to HKD500 cash coupon

Apply Now
  • Loans

  • Personal Instalment Loan

Annualised Percentage Rate as low as 2.38%1 with 0% handling fee

Apply now and drawdown to get up to HKD500 cash coupon

Personal Instalment Loan

Standard Chartered Personal Instalment Loan helps you to achieve your goals by providing you with extra cash at a low interest rate quickly and easily.

Repayment table:
Loan Tenor
 (HK$) 12 months 24 months 36 months 48 months 60 months
$5,000-$49,999 Monthly Flat Rate+ 0.3997% 0.4096% 0.4183% 0.4233% 0.4363%
Monthly Repayment (HK$)# $87.34 $45.77 $31.97 $25.07 $21.03
Annualised Percentage Rate Δ 9.10% 9.57% 9.76% 9.80% 9.99%
$50,000 – $199,999 Monthly Flat Rate+ 0.2593% 0.2687% 0.2734% 0.2738% 0.2811%
Monthly Repayment (HK$)# $85.93 $44.36 $30.52 $23.58 $19.48
Annualised Percentage Rate Δ 5.85% 6.25% 6.38% 6.37% 6.50%
$200,000-$499,999 Monthly Flat Rate+ 0.2349% 0.2444% 0.2493% 0.2490% 0.2564%
Monthly Repayment (HK$)# $85.69 $44.12 $30.28 $23.33 $19.24
Annualised Percentage Rate Δ 5.29% 5.68% 5.82% 5.80% 5.94%
$500,000-$699,999 Monthly Flat Rate+ 0.1570% 0.1682% 0.1708% 0.1755% 0.1772%
Monthly Repayment (HK$)# $84.91 $43.35 $29.49 $22.59 $18.44
Annualised Percentage Rate Δ 3.52% 3.90% 3.99% 4.10% 4.13%
$700,000 or above Monthly Flat Rate+ 0.1331% 0.1493% 0.1571% 0.1574% 0.1581%
Monthly Repayment (HK$)# $84.67 $43.16 $29.35 $22.41 $18.25
Annualised Percentage Rate Δ 2.98% 3.46% 3.67% 3.68% 3.69%
Special promotion for Existing Priority Banking Customers
$700,000 or above Monthly Flat Rate+ 0.1065% 0.1278% 0.1400% 0.1402% 0.1399%
Monthly Repayment (HK$)# $84.40 $42.95 $29.18 $22.24 $18.07
Annualised Percentage Rate Δ 2.38% 2.96% 3.27% 3.28% 3.27%

Remarks

1The Monthly Flat Rate is 0.1065% (for existing Priority Banking clients with loan amount of HKD700,000 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. All offers are subject to Terms and Conditions.

^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.

ΔThe 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).

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

#For every HKD1,000 loan amount.

The Annualised Percentage Rate ranged from 2.38% to 9.99% and flexible repayment period of 12 to 60 months. 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 0.2811% (APR 6.50%), total loan repayment amount is HKD116,866

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Top-up Program for Existing Personal Loan Clients

Act now and successfully drawdown can enjoy HKD500 cash coupon.

  • 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 from 9am – 11pm, Monday to Friday; 9am – 8pm, Saturday and Sunday (except public holidays).

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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
  • Your latest 1-month salary slip OR current Salaries Tax Demand

    Note OR Bank statement/passbook showing your name, account number and salary entries

Terms and Conditions