Terms and conditions apply, please click corresponding  “FIND OUT MORE” for details.

1. 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 at the time of this application, or clients who use the Bank’s auto-payroll services. 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.
2. The Monthly Flat Rate shown above is for reference only. The actual monthly flat rate will be subject to the Bank’s approval on a case-by-case basis. The Annualised Percentage Rate (“APR”) is 4.67% (based on the loan amount of HKD200,000 or above with tenor of 36-month and the actual Monthly Flat Rate). 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 preferential interest rates are only applicable to clients who are not holding any Standard Chartered Credit Cards 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.
3. The Monthly Flat Rate shown above is for reference only. The actual monthly flat rate will be subject to the Bank’s approval on a case-by-case basis. The Annualised Percentage Rate (“APR”) is 2.15% (based on the loan amount of HKD200,000 or above with tenor of 36-month and the actual Monthly Flat Rate). For client who has applied for tenor 24-month with loan amount of HKD700,000, will be subject to a monthly flat rate of 0.0929% and the corresponding APR is 2.15%. For client who has applied for tenor 72-month with loan amount of HKD700,000, will be subject to a monthly flat rate of 0.2540% and the corresponding APR is 5.85%. 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 preferential interest rate is only applicable to clients who are not holding any Standard Chartered Credit Cards 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.
4. The Annualised Percentage Rate (“APR”) of tenor 48 months and 60 months are 3.04% and 3.04% respectively (NOT including the application fee of HKD200 and calculated based on the Instalment Credit amount of HKD300,000). An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of a product expressed as an annualised rate. In general, the Instalment Amount is a fixed amount to be charged to the Card Account on a monthly basis, while the APR for the first instalment may be impacted by the loan disbursement date. For APR of other “Instalment Credit” / “Credit Cash” Amount, please contact Standard Chartered Bank (Hong Kong) Limited (the “”Bank””).
5. For transaction amount of HKD500 or HKD25,000, the Annualised Percentage Rate (APR) of 0.19% Monthly Handling Fee is 4.20% (6-month); 4.40% (12-month); 4.45%(18-month); 4.48% (24-month). This APR does not include cash rebate.
6. 2.10% p.a. Interest Rate for the first 3 months is only applicable for selected clients and upon the day of successful cash withdrawal to the cutoff day of the following 3 consecutive months as specified on the monthly statement showing the withdrawal amount.
7. 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.
8. The Annualised Percentage Rate (“APR”) is a reference rate which includes the basic interest rates and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include cash rebate. APR is calculated based on a monthly flat rate of 0.0530%, 12-month repayment period and a loan amount of HKD1,000,000 or above. The preferential interest rate is only applicable to existing Priority Private/ Priority Banking clients, or clients who do not hold any products or services of Standard Chartered Bank (Hong Kong) Limited (the “Bank”) at the time of application of the Loan. 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 clients’ credit records and other relevant factors as the Bank may consider in its absolute discretion.