Standard Chartered Personal Line of Credit

Stand-by credit service maximizing your financial flexibility

Standard Chartered Personal Line of Credit is a revolving credit line that links to your current account giving you added flexibility

Loan feature	Interest is only calculated on your daily outstanding debit balance when you draw on your credit line.
Credit limit	Up to HK$800,000 or 4x of your monthly salary (whichever is lower).
Loan tenor	No fixed tenor; monthly minimum repayment of 3% of the statement balance or HK$50 (whichever is higher).
Cash withdrawal	Withdraw the credit line by writing cheques, through Phonebanking or via Standard Chartered ATM or JETCO machines.

Higher credit line, lower interest rates

Line of credit (HK$)	Interest rate1	Annual fee
10,000 - 19,999	Prime + 7% p.a.	1% credit line amount Minimum HK$200 Maximum HK$700
20,000 - 49,999	Prime + 5% p.a.
50,000 - 800,000	Prime + 4% p.a.

¹ Interest shall accrue daily on the basis of a 365 or 366-day year (where applicable). The Prime Rate means the prime rate as announced by Standard Chartered Bank (Hong Kong) Limited from time to time.

Terms & conditions

The prevailing pricing is offered to you based on the credit assessment upon your loan approval. The Bank has the right to modify your pricing with 30 days advance notice based on the credit assessment from time to time including, but not only limited to, your repayment record, credit bureau grading and the Bank's prevailing credit policy. Besides 30 days advance notice, the Bank will attempt to do this with minimal change in your instalment amount.

Please click here for the relevant terms and conditions.