Standard Chartered Debt Consolidation Program
Update time: May 2022
Total Repayment (as low as)
Monthly Repayment (as low as)
APR (as low as)
Monthly Flat Rate: 0.22%
Saved Interest up to 95% , monthly repayment 12%
[Debt Consolidation] Headline APR: 4.67%, monthly flat rate as low as 0.2%

Great for

  • [MoneyHero Exclusive Offer] Up to HK$8,800 Apple Store Gift Card
    From 3 to 31 May 2022, applicants who successfully apply loan amount of HK$200,000 or above via MoneyHero with loan drawdown within 3 months are entitled to an exclusive offer:

    Loan Amount Exclusive Offer:
    HK$800,000 or above HK$8,800 Apple Store Gift Card 
    HK$400,000 - HK$799,999 HK$4,800 Apple Store Gift Card
    HK$200,000 - HK$399,999 HK$2,800 Apple Store Gift Card

    up to HK$8,800 Apple Store Gift Card

    How to redeem MoneyHero exclusive offer?
    Within 7 days of loan approval date, please send (1) the name of the applied product, (2) application date and (3) a screenshot of drawdown SMS to and complete the redemption form sent via email for verification and follow-up.

  • [SCB Welcome Offer] Up to HK$8,000 Cash Rebate
    From 3 May 2022 to 3 July 2022, a client who successfully applied and drawdown the loan online is entitled to enjoy up to HK$7,000 Cash Rebate, HK$1,000 cash rebate for a new client. A new client is who does not currently hold any Standard Chartered Credit Card and/or any loans.

    • Details of up to HK$7,000 Cash Rebate, HK$1,000 cash rebate for a new client:
      Loan Amount Cash Rebate Extra Cash Rebate (for a new client whose loan tenor is 36 months or above)
      HK$1,500,000 or above HK$7,000 HK$1,000
      HK$500,000 - HK$1,499,999 HK$3,000 HK$1,000
      HK$200,000 - HK$499,999 HK$2,000 HK$1,000
      HK$50,000 - HK$199,999 HK$500 HK$1,000
  • Maximum loan amount of up to 18X monthly salary or HK$2,000,000 (whichever is lower); Extra stand-by cash of up to 14X salary
  • Max Loan Repayment Tenure: 84 months; 0% handling fee
  • Online Service Pledge for application submitted before noon will be followed up within the same business day

Need to know

  • The 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).
  • Standard Chartered 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.
  • Eligibility: With fixed annual income of HK$96,000 or above; and Hong Kong permanent residents aged 20 or above
  • The monthly flat rate shown above was rounded to 2 decimal places and for reference only.
  • To borrow or not to borrow? Borrow only if you can repay!


Minimum Age
Min. Annual Income


Handling Fee

Steps to Apply

1. Apply online
2. Upload documents
3. Approve instantly
4. Verify and disburse loan

Required Documents

1. Hong Kong Permanent Identity Card
2. Latest residential address proof showing your name
3. For regular income earners, please enclose latest 1 month’s computer generated Payroll Slip or latest 1 month’s Bank Statements / Passbook showing name, account number and salary entries;
For irregular income earners, please enclose latest 3 months’ computer generated Payroll Slip or latest 3 months’ Bank Statements / Passbook showing name, account number and salary entries;
For self-employed applicants, please enclose a Business Registration Certificate AND latest Profits Tax Demand Note

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