1. 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.
2. The above illustration is calculated based on an annual interest rate of 30% charged by general credit card on a monthly repayment of 1% of the credit card outstanding balance or HKD50 (whichever is higher) over a 397-month repayment period. The average monthly repayment amount quoted above is calculated based on the first 3-month repayment amount and is rounded to the nearest dollar. The Annualised Percentage Rate (“APR”) is 31.73%. The total interest expense over the whole repayment period quoted above is rounded to the nearest dollar.
3. The above illustration is calculated based on a monthly flat rate of 0.2200% with 48-month loan repayment period for a Standard Chartered Personal Instalment Debt Consolidation Program (“Program Loan”). The APR is 5.13% (rounded up or down to the nearest two decimal places), and the total loan repayment amount is HKD221,120 (including full handling fee waiver). 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. Please note that the actual monthly flat rate, APR, monthly repayment amount and total interest expense applicable will be subject to Standard Chartered Bank (Hong Kong) Limited (the “Bank”) final approval of the Program Loan for individual client. The average monthly repayment amount and the total interest expense over the whole repayment period quoted above are rounded to the nearest dollar. The above example is for reference only.
4. The Annualised Percentage Rate ranged from 4.67% to 36% and flexible repayment period of 12 to 84 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.

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