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InvestPower

Standard Chartered presents InvestPower, a dedicated overdraft facility with upfront leverage trading capabilities, empowering you to capture investment opportunities and maximise your wealth potential with additional funding for investment

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Invest with leverage to maximise your wealth potential

With InvestPower, you can unleash the value of your assets via upfront leverage trading, providing extra liquidity and flexibility for you to capture global investment opportunities and grow your wealth at an accelerated pace.

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Enjoy extra liquidity

With a lending ratio as high as 85%, you can enjoy extra liquidity of up to 6.66 times your total asset value with leverage capability.

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Flexible loans that suit your investment needs

  • Swap your loan between various currencies based on your needs. You may want a loan currency at a lower loan interest rate or to diversify your load positions to avoid over concentration in any one single loan currency. With InvestPower, you can customize your portfolio to fulfil your needs anytime.
  • Flexible repayment with no minimum repayment and no fixed repayment period
Currency and Calculator

Dedicated facility for investment purpose with standalone Daily Statements

  • Keep track of your portfolio conveniently with daily investment statements available on SC Mobile and E-banking
  • Understand your overall position with Net AUM (Asset Under Management) and facility summary

Hi there! Looking for understanding more on wealth lending?

Let's explore potential return on investment with use of leverage, estimation of interest expense and risk situations.

I want to take a loan of

at interest rate (p.a.)

As of 23 July 2026, HKD standard interest rate: 3.23%

Daily estimated interest
HKD 123.29
Monthly estimated interest
HKD 3,698.63
Annual estimated interest
HKD 45,000

Disclaimer

  1. The result of the loan calculator is for reference only and the actual repayment liability depends on the actual terms of each borrowing arrangement.
  2. Assumptions:
    • The estimated interest amount is calculated on the basis that the loan amount remains unchanged, interest is fully repaid each month, the daily loan interest rate remains unchanged throughout the relevant period, and based on assumption that it is not a leap year.
    • The monthly estimated interest amount assumes 30 days in a month.
    • The annual estimated interest amount assumes 365 days in a year.
  3. Interest is calculated on the basis of a 365-day year (or a 366-day year in the case of a leap year) for loans in HKD, GBP, or SGD, and a 360-day year for loans in USD, EUR, JPY, AUD, NZD, CHF, or CAD.
  4. The actual loan interest amount accrues daily at the prevailing rate, according to the terms set out in the Key Fact Statement and the Facility Letter of InvestPower, or at the rate determined by the Bank from time to time, applied to the daily outstanding loan amount withdrawn under the facility. The interest rate is variable, not fixed, and without a cap.

Hi there! Looking for understanding more on wealth lending?

Let's explore potential return on investment with use of leverage, estimation of interest expense and risk situations.

Investment Information

Lending Ratio Percentage of the market value of the collateral that the Bank may lend up to
%
Coupon/Dividend Rate (p.a.) Expected annual Investment coupon or dividend
%
Loan Interest Rate (p.a.) Expected annual loan interest rate charged to InvestPower Loan. Interest rate re-fixing takes place daily. You may refer to InvestPower Key Facts Statement for details.
%

Financing Information

My Initial Capital Investment amount that is financed by your own fund
HKD
Loan Amount Investment amount that is financed by a loan drawn from the Bank
HKD

Maximum Loan Amount HKD 0

Simulate Simulate

Disclaimer

  • The simulators are for general information only. They do not offer, recommend, or ask you to buy or sell any products or services, nor do they predict future prices or guarantee any results shown.
  • Using the simulators is only for illustration. The results are just examples and do not show or predict actual future performance.
  • The simulators are meant for general review and are not tailored to anyone’s specific needs. They should not be taken as investment advice.
  • You should seek advice from a qualified financial adviser to help you decide if a product or investment is right for you before making any decisions.
  • The simulators assume values to be in HKD and currency of Investment and loan are in same currency. In actual scenario, if the currency of the loan is different from the currency of the underlying collateral, foreign exchange rate risk implications may affect the value of the loan and underlying collateral.
  • The coupon/dividend rate, loan interest rate and investment capital return inputs are assumed to be annualized rates.

Hi there! Looking for understanding more on wealth lending?

Let's explore potential return on investment with use of leverage, estimation of interest expense and risk situations.

Portfolio Financing Information

Portfolio Market Value Total market value of all collaterals in the portfolio

Portfolio Market Value cannot be zero

Portfolio Lending Ratio Ratio of the total lending value of all collaterals to their total market value within the portfolio
%

Please enter a valid portfolio lending ratio

Outstanding Loan Amount

Outstanding Loan Amount cannot be zero

Disclaimer

  • The simulators are for general information only. They do not offer, recommend, or ask you to buy or sell any products or services, nor do they predict future prices or guarantee any results shown.
  • Using the simulators is only for illustration. The results are just examples and do not show or predict actual future performance.
  • The simulators are meant for general review and are not tailored to anyone’s specific needs. They should not be taken as investment advice.
  • You should seek advice from a qualified financial adviser to help you decide if a product or investment is right for you before making any decisions.
  • The simulators assume values to be in HKD and currency of Investment and loan are in same currency. In actual scenario, if the currency of the loan is different from the currency of the underlying collateral, foreign exchange rate risk implications may affect the value of the loan and underlying collateral.
  • The coupon/dividend rate, loan interest rate and investment capital return inputs are assumed to be annualized rates.

InvestPower

Daily Loan Interest Rate

Updated on 14-Aug-2026

Currency
Loan Interest Rate (p.a.)
HKD
USD
JPY
GBP
CHF
EUR
AUD
NZD
CAD
SGD

Remarks:

The interest rates stated herein are for reference only and may change without prior notice to customers. If you have any queries, feel free to visit the Bank’s branches or contact your Relationship Manager

Please refer to the Key Fact Statement provided to you upon InvestPower application or contact your Relationship Manager for the loan interest rate details.

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EXCLUSIVE PRIVILEGES FOR INVESTMENT CLIENTS

Exclusive privileges for investment clients

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MARKET OUTLOOK H2 2024

Adapting to shifting winds

Risk Disclosure Statement

  1. Interest rates may rise during the term of the Facility. It is impossible to predict accurately changes in interest rates and they could possibly rise substantially. Borrowing costs under the Facility could turn out to be much higher than expected.
  2. Customers may be called upon at short notice to deposit substantial additional collateral to maintain their position, and a forced sale of assets, without Customer’s consent, may be necessary, including (but not limited to) in cases where (i) a Customer experiences difficulty in servicing its borrowing under the Facility, (ii) the market value of the collateral falls below the minimum level required by the Bank, (iii) the Lending ratio, Top-up ratio or Sell-down ratio in respect of the collateral is adjusted downwards by the Bank, or (iv) the Bank decides to not to renew the Facility at the annual review. The risk of loss in financing a transaction by deposit of collateral is significant, and Customers may sustain losses in excess of any cash and any other assets deposited as collateral and will remain liable for any resulting deficit in Customer’s account.
  3. If a Customer purchases investment funds / assets / schemes or any assets in respect of which there is a risk of capital loss with the Facility, Customer should note that the risks will be magnified as they will have a larger amount of capital at risk. Customer should consider carefully before deciding to borrow to finance the holding or purchase of any such assets, and should take independent professional advice before taking out the Facility or purchasing any such asset.
  4. If the currency of the loan is different from the currency of the underlying collateral, foreign exchange rate risk implications may affect the value of the loan and underlying collateral. Foreign exchange rates can be highly volatile and can be affected by many external factors such as changes in political and economic policy (both overseas and locally), political instability, wars, natural disasters and global market movements.
  5. InvestPower is subject to the risk of market fluctuation. The value of the Customer’s holdings may be reduced as a result. Customer should have sufficient net worth to be able to assume the risks and bear the potential losses of leveraged investments. Establishing a stop loss level may help limit the amount of losses but the order may be executed at a worse-off price and may not always be effected because market conditions may make it impossible to execute such order.
  6. The use of leverage in investment means that relatively small price movements will have a multiplying effect on Customer’s corresponding gains or losses, and the degree of investment risk Customers face is greatly increased. The risk of loss in leveraged trading can be substantial. A high degree of leverage can work against Customers as well as for them, and the use of leverage can lead to large losses as well as gains. Customer may sustain losses in excess of Customer’s initial margin funds. Placing contingent orders, such as “stop-loss” or “stop-limit” orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. Customer may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, Customer’s position may be liquidated. Customer will remain liable for any resulting deficit in Customer’s account. Customer should therefore carefully consider whether such trading is suitable in light of Customer’s own financial position and investment objectives.
  7. The Hong Kong Monetary Authority or other governmental or regulatory bodies may take action which has the effect of curtailing or placing restrictions on the Bank’s ability to trade in respect of open positions, and Customer may consequently be required to close or reduce its open positions with the Bank.
  8. While the bank may assess your suitability before recommending an investment product to you, this is independent from the assessment of the risks of utilising financing in relation to that investment. Utilising loans to make investments exposes you to higher risks than if you were to enter into the same investments without leverage. Losses as well as gains on the investments will be magnified.
  9. Please note that using Ioan facility to subscribe investment products which are medium to long term in nature would result in prolonged interest rate risks and margin call risks. You should also maintain sufficient capital to repay the loan in case of market volatility and the price of your investment product drop drastically.

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