For Key Facts Statement for Secured Line of Credit, please click here.

Key Features

  • Standby credit line of up to 100% of the asset value
  • Flexible interest charges
  • Revolving credit line


Due to business strategy repositioning, pledging of securities as collateral for SLC is no longer acceptable from 1 January 2019.



Type of AssetsCurrencyLending Ratio
(% of Asset Value)
Overdraft Interest Rate (p.a.)
Time DepositsHKDUp to 100%Secured Line of Credit
Time Deposit Rate + 2% OR Prime Rate (whichever is higher)
DBS Treasures Secured Line of Credit
Time Deposit Rate + 2.5% OR 3-month HIBOR (whichever is higher)
Foreign currency (as accepted by the Bank from time to time)*Up to 90%**Secured Line of Credit Prime Rate +2%
DBS Treasures Secured Line of Credit
Prime Rate -1% OR 3-month HIBOR (whichever is higher)
* Currently, the Foreign Currency Time Deposits Accounts that are accepted by the Bank are AUD, CAD, EUR, GBP, JPY, NZD, SGD, RMB and USD (JPY is not applicable for Secured Line of Credit.) and they are subject to change. The Bank has the sole discretion to accept other type(s) of time deposit account as secured asset.
** Standby Credit Line is calculated by reference to the FCY pledge ratio and the exchange rate as determined by the Bank. Customers can approach either Call Centre or their Relationship Managers for the current exchange rate.


  1. Prime Rate refers to the Hong Kong Dollar Prime Lending Rate as quoted by DBS Bank (Hong Kong) Limited (the "Bank"). HIBOR refers to the Hong Kong Dollar Inter-bank Offer Rate.
  2. The Bank reserves the right to make all final decisions on the approval of the asset((s)) eligibility, the lending ratio(s) and interest rate(s) for the Secured Line of Credit, as well as the approval of the application without prior notice.
  3. The Structured Investment Product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.


Standby credit line of up to 100% of the asset value

Depending on the asset type, the lending ratio can reach up to 100% of the asset value.

Flexible interest charges

No minimum repayment. Interest is calculated based on the daily utilised overdraft amount, to suit your short-term or cash needs.

Revolving credit line

The credit limit will be automatically restored upon each repayment, allowing you to get extra standby cash without re-application.


  • Overdraft available in HKD
  • No minimum repayment
  • Customer-friendly lending rates

Learn more


Useful Links


More Points to note

Reminder: To borrow or not to borrow? Borrow only if you can repay!

  • You should have a clear understanding of your financial condition, daily expenses, and actual borrowing needs.
  • You should assess your repayment ability and avoid over-borrowing.
  • You should repay any outstanding balance on time to avoid temporary overdraft interest.