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Helps you seize crucial market opportunity and brings you financial peace of mind

Person, Human, Tabletop

Helps you seize crucial market opportunity and brings you financial peace of mind

Overdraft secured by Property

Remark

^Facility amount subject to property’s Loan-to-value ratio and at the Bank’s discretion
√ Eligible for Priority Private or Priority Banking clients or property value HK$10,000,000 above

Details
Product
Interest Rates1
Annual Fee
Overdraft Facility with a mortgage loan Prime – 1% p.a. 0.2% of Facility limit, minimum of HKD1,000 and maximum HKD10,000.
Overdraft Facility without a mortgage loan2 Prime + 1% p.a.

1 Interest shall accrue daily on the basis of a 365-day or 366-day year (where applicable). The Prime Rate means the Hong Kong Dollar Prime Rate as announced by Standard Chartered Bank (Hong Kong) Limited from time to time.
2 Overdraft Facility without a mortgage loan will be tagged to a HKD1 mortgage loan. No repayment is required for this HKD1 mortgage loan but you will see it in your consolidate statement, internet banking and/or mobile banking (if applicable).

Consolidate Statement Example

Assume approved credit limit of HKD1,000,000 and interest rate at 4.25%* p.a.:

APPROVED CREDIT LIMIT

信貸額

HKD1,000,000.00

INTEREST RATE

利率

4.2500%

AVAILABLE CREDIT LIMIT

尚餘信貸額

HKD949,924.32

MIN PAYMENT

最低付款額

HKD500.76

PAYMENT DUE DATE

繳款日期

10 JUN 21

Date 日期 Description 進支詳列 Deposit 存款 Withdraw 提款 HKD Balance 港幣結餘
BALANCE FROM PREVIOUS STATEMENT

戶口之進支結餘

18 Apr CASH WITHDRAWAL 50,000 50,000-
30 Apr DEBIT INTEREST 75.68 75.68-
30 Apr CLOSING BALANCE

截數結餘

50,075.68-
YOUR MINIMUM REPAYMENT IS HKD 500.76, PLEASE ARRANGE TO DEPOSIT THE REPAYMENT AMOUNT ON OR BEFORE 10JUN21 TO ADVOID LATE REPAYMENT SURCHARGE OF HKD 380.00.

* Based on the Hong Kong Dollar Prime Rate of Standard Chartered Bank (Hong Kong) Limited (the “Bank”) (5.25%p.a. as of 1 November 2019) minus 1%p.a

Terms & Conditions

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