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Balloon, Aircraft, Transportation

Apply for Personal Instalment Loan and win round trip business class seats* for 2 to Europe (worth 336,000 miles).

Get a head start on your finances and be rewarded

Get quick cash to improve your financial status with Personal Instalment Loan and win Lucky Draw grand prize equivalent to round trip business class seats* for 2 to Europe. Limited offer from 1 March to 31 May 2024.

Architecture, Building, Clock Tower

Grand Lucky Draw

    Win prize equivalent to round-trip business class seats* to Europe for 2 worth up 336,000 miles* – Total 6 winners.

Standard Chartered Personal Instalment Loan Key Product Features:

Exclusive online offers – Up to

HKD 7,000
Cash Rebate

and extra

HKD 1,000
Cash rebate is applicable to New Clients +

Annualized Percentage Rate as low as

1.85%#

Handling fee

0%

Loan amount up to

18X
monthly salary or HKD4,000,000 (whichever is lower)

Loan tenor up to

60months

Other Product Features:

  • 7-Day Cooling-off Period - Early redemption fees and charges waiver

Personal Loan Calculator for Repayment

  • Use our calculator to get a quick estimation on your monthly repayment amount

Remarks

^ Daily interest as low as HK$10 (rounded down to the nearest integer) is calculated with the loan amount of HK$100,000, tenor of 12 months and monthly flat rate of 0.31% which is equivalent to APR of 7.01%.  (Loan amount: $100,000 * monthly flat rate 0.31% * Tenor 12 months)  / 365  days = HK$10.19

* Each Lucky Draw winner drawn will be entitled to 336,000 Asia Miles which is a reasonable equivalent to two Europe round trip business air tickets. The referenced Asia Miles flight award redemption (i.e., Two Europe Round Trip Business Tickets) is for reference only. The Bank will not accept any liability for the difference between the referenced and the actual flight award redemptions. Winners should contact Asia Miles Limited and/or refer to Asia Miles Limited website for the latest flight award redemption details.

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

# The Annualised Percentage Rate is 1.85% (for clients with loan amount of HKD$1,500,000 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 rates are only applicable to clients who are not holding any Standard Chartered Credit Cards/Personal Loan 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

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 1.85% to 36% 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.

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 »

Terms and Conditions »

The operating hours of our Loan Application Hotline are from Monday to Friday: 10am – 7pm.

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

0.31%

0.31%

0.31%

0.312%

0.315%

Monthly Repayment² (HKD)

$86.43

$44.77

$30.88

$23.95

$19.82

Annualised Percentage Rate³

7.01%

7.22%

7.23%

7.25%

7.26%

Loan Tenor

12 months

24 months

36 months

48 months

60 months

Monthly Flat Rate¹

0.31%

0.31%

0.31%

0.312%

0.315%

Monthly Repayment² (HKD)

$86.43

$44.77

$30.88

$23.95

$19.82

Annualised Percentage Rate³

7.01%

7.22%

7.23%

7.25%

7.26%

Loan Tenor

12 months

24 months

36 months

48 months

60 months

Monthly Flat Rate¹

0.27%

0.27%

0.27%

0.271%

0.273%

Monthly Repayment² (HKD)

$86.03

$44.37

$30.48

$23.54

$19.40

Annualised Percentage Rate³

6.09%

6.28%

6.30%

6.30%

6.31%

Loan Tenor

12 months

24 months

36 months

48 months

60 months

Monthly Flat Rate¹

0.27%

0.27%

0.27%

0.271%

0.273%

Monthly Repayment² (HKD)

$86.03

$44.37

$30.48

$23.54

$19.40

Annualised Percentage Rate³

6.09%

6.28%

6.30%

6.30%

6.31%

Loan Tenor

12 months

24 months

36 months

48 months

60 months

Monthly Flat Rate¹

0.23%

0.23%

0.231%

0.232%

0.233%

Monthly Repayment² (HKD)

$85.63

$43.97

$30.09

$23.15

$19

Annualised Percentage Rate³

5.18%

5.34%

5.39%

5.40%

5.40%

Loan Tenor

12 months

24 months

36 months

48 months

60 months

Monthly Flat Rate¹

0.23%

0.23%

0.231%

0.232%

0.233%

Monthly Repayment² (HKD)

$85.63

$43.97

$30.09

$23.15

$19

Annualised Percentage Rate³

5.18%

5.34%

5.39%

5.40%

5.40%

Loan Tenor

12 months

24 months

36 months

48 months

60 months

Monthly Flat Rate¹

0.23%

0.23%

0.23%

0.231%

0.232%

Monthly Repayment² (HKD)

$85.63

$43.97

$30.08

$23.14

$18.99

Annualised Percentage Rate³

5.18%

5.34%

5.37%

5.38%

5.38%

Loan Tenor

12 months

24 months

36 months

48 months

60 months

Monthly Flat Rate¹

0.23%

0.23%

0.23%

0.231%

0.232%

Monthly Repayment² (HKD)

$85.63

$43.97

$30.08

$23.14

$18.99

Annualised Percentage Rate³

5.18%

5.34%

5.37%

5.38%

5.38%

Loan Tenor

12 months

24 months

36 months

48 months

60 months

Monthly Flat Rate¹

0.083%

0.22%

0.22%

0.22%

0.221%

Monthly Repayment² (HKD)

$84.16

$43.87

$29.98

$23.03

$18.88

Annualised Percentage Rate³

1.85%

5.11%

5.13%

5.13%

5.13%

Loan Tenor

12 months

24 months

36 months

48 months

60 months

Monthly Flat Rate¹

0.083%

0.22%

0.22%

0.22%

0.221%

Monthly Repayment² (HKD)

$84.16

$43.87

$29.98

$23.03

$18.88

Annualised Percentage Rate³

1.85%

5.11%

5.13%

5.13%

5.13%

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