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Successful Personal Line of Credit applicants can enjoy first year annual fee waiver

Standard Chartered Personal Line of Credit

Personal Line of Credit is a revolving credit line linked to your current account with no fixed tenure to maximise your financial flexibility

Personal Line of Credit Features



Credit line(HKD)
Annual fee
$10,000 – $19,999 Prime + 7% p.a. 1% credit line amount
(Minimum HKD200,
Maximum HKD700)
$20,000 – $49,999 Prime + 5% p.a.
$50,000 – $800,000 Prime + 4% p.a.

Notwithstanding the clause regarding annual fee set out in the Clients Terms and the applicable documents referred to in Part C of the Bank’s Client Terms (including Personal Loan/Personal Line of Credit/Overdraft Terms, the product brochure, Important Notes and these promotional terms and any other relevant documents forming the banking arrangement), the First Year Annual Fee incurred in the promotion will be waived.

2 The operating hours of our Loan Application Hotline are from Monday to Friday: 9am – 9pm.

Interest shall accrue daily on the basis of a 365-day or 366-day year (where applicable). The Prime Rate means the prime rate as announced by Standard Chartered Bank (Hong Kong) Limited from time to time.

Eligibility & Documents


  • Hong Kong resident aged 18 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

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