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100% Personal Loan Guarantee Scheme (PLGS) – Rental Enforcement Moratorium (REM)

One lady using her mobile device with smile and standing near Hong Kong MTR Station

100% Personal Loan Guarantee Scheme (PLGS) – Rental Enforcement Moratorium (REM)

100% Personal Loan Guarantee Scheme (PLGS) – Rental Enforcement Moratorium (REM)

Standard Chartered Bank (Hong Kong) Limited fully supports the “100% Personal Loan Guarantee Scheme (PLGS) – Rental Enforcement Moratorium (REM)” launched by HKMC Insurance Limited (HKMCI).

Application Requirements and Documents Required


  • You have to be 18 years old and a Hong Kong resident, and must not be subject to any bankruptcy petition or proceedings at the time of loan application and shall maintain valid bank accounts in Hong Kong.
  • Being the legal and beneficial owner of the Premises (as defined below) which are used wholly or primarily as “specified premises” Any photos of the Premises provided to support applicant’s application are true to the best of applicant’s knowledge and belief and were taken within one month prior to this loan application.
  • Being a landlord living off rental incomes of the Premises and for at least one month during the period beginning on 1 January 2022 and ending on the earlier of (a) 31 July 2022; and (b) the date of this application, 20% or more of the rent has not been paid by applicant’s tenant.
  • Who has been barred from taking or continuing to take relevant action in respect of my tenant’s failure to pay the rent for the Premises in compliance with the tenancy pursuant to provisions under the Temporary Protection Measures for Business Tenants (COVID-19 Pandemic) Ordinance.
  • Who has not entered into any written forbearance agreement during the period beginning on May 1, 2022 and ending on the earlier of (a) July 31, 2022 and (b) the date of the Loan application, in respect of the amount that is to be paid as rent or the time when any rent is payable in relation to the Premises; and
  • Who is not a borrower of or personal guarantor for any loan or credit facilities guaranteed under the SME Financing Guarantee Scheme.

Documents Required

  • Your Hong Kong Permanent Identity Card
  • Your latest residential address proof issued within 3 months showing your name
  • Proof of previous employment and main recurrent incomes for at least 3 months’ during the period from January 2020 to February 2022
  • Proof of unemployment and loss of main recurrent income for at least 2 months

    Details of documents required

    HKID card

    A copy of your HKID card showing that you have permanent residency status.

    Latest residential address proof issued within 3 months showing your name

    Proof of your latest residential address in your name (valid within 3 months from the time of your application), eg utility bills, government rent or rates demand note, a copy of the tenancy agreement or rental receipt, any correspondence issued by any government department (eg a tax demand note issued by the Inland Revenue Department) or any public bodies to you

    If the Borrower can only provide proof of the latest residential address in the name of other person (e.g. family member) living with the Borrower, the Borrower shall provide a declaration in Supplemental Information explaining the situation and provide a copy of bank statement issued to the Borrower in such residential address. Address proof is required in all cases.

    The Borrower shall provide documentary proofs of:

    Supporting documents:
    (1) The prevailing tenancy agreement showing the address of the Premises, monthly rental amount and the borrower as the landlord; and/or any supporting documents, including the receipt of rental deposit signed off by both the Borrower and the tenant to demonstrate the tenancy relationship, the names of landlord and tenant and amount of monthly rent.

    (2) Latest available bank statements or passbook of the Borrower for two (2) months (between January 2022 and July 2022) issued prior to submission of loan application to demonstrate the Borrower’s receipt of only 80% or less of monthly rental income for at least one month at the time of loan application);

    (3) Copies of the tenant’s or the occupant’s prevailing business registration certificate (BRC) with the specified business premises shown on the BRC;

    (4) Documentary proofs to demonstrate that the Premises are used wholly or primarily as “specified premises”, including but not limited to recent photos (taken within one month before loan application) of the tenant’s or the occupant’s business operations in the Premises, the tenant’s or occupant’s business promotion materials (e.g. product leaflets/menu, website).


  1. 100% Personal Loan Guarantee Scheme (PLGS) – Rental Enforcement Moratorium (REM) is administered by HKMC Insurance Limited (“HKMCI”).
  2. Client must have successfully submitted the application to HKMCI with Standard Chartered Bank (Hong Kong) Limited (the “Bank”) on or before 31 Oct 2022 and drawn down the 100% Personal Loan Guarantee Scheme (PLGS) – Rental Enforcement Moratorium (REM) before the designated deadline.
  3. In addition to the terms and conditions of the 100% PLGS as specified and announced by HKMCI, client must also fulfil the terms and conditions as specified by the bank from time to time. For details of the 100% PLGS, Please click here to visit HKMCI website, Hotline : 2536 0392 or email for enquiry.
  4. The Bank reserves the right to determine the acceptance of a loan application, the applicable facility amount and loan tenor by considering the client’s credit records and other relevant factors. The application for the banking products and services under the 100% PLGS is subject to the relevant eligibility, application process and relevant terms and conditions. For further details, please refer to our Hotline: 28860866 for assistance. In case of any disputes, the Bank’s decision shall be final and binding.
  5. If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.

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