Ester W. Y. Chow

Banking & Finance


Ester Chow advises both lenders and borrowers  across the full spectrum of banking and finance matters, including:

  • Complex cross-border and multijurisdictional financing
  • Senior secured private structured lending with bespoken financing
  • Fund finance, including capital call facilities to PE funds and SMA funds, GP lines, NAV financing
  • General corporate and investment grade lending and refinancing to private structured lending
  • Acquisition and leveraged financing
  • Pre-IPO financing
  • Margin financing
  • Other event-driven financing transactions, whether secured or unsecured, syndicated, or bilateral



  • UBO, SMBC, MUFG., OCBC and CITIC Bank, as mandated lead arrangers on the structuring and provision of the term loan facilities to fund the winning bid by ESR for the acquisition of a logistics site in Kwai Chung.
  • The arranger on the structuring and provision of EUR62 million offshore facilities to refinance existing onshore/offshore facilities with respect to a real property in Ho Chi Minh City.
  • A Mauritius-based private credit fund on a bridge facility to fund the acquisition of coal barges in Indonesia.
  • An Asia-based private credit fund on dual facilities: an acquisition facility and a pre-IPO term facility (under an onshore-offshore credit structure) to a Chinese cinema investment group in a VIE structure, with equity options, first and second lien security sharing and intercreditor arrangements, onshore security and VIE holders’ undertakings; also advised on subsequent series of amendments in light of the group pre-IPO restructurings.


  • Rising Star - Banking, Hong Kong – IFLR1000
  • Recommended - Banking and Finance, Hong Kong – The Legal 500 Asia Pacific


  • The University of Hong Kong, PCLL
  • The University of Hong Kong, LLB
  • The University of Hong Kong, BSocSc, Government & Laws


  • New York
  • Hong Kong


  • English
  • Cantonese
  • Mandarin

Professional & Community Involvement

  • Member, The Hong Kong Law Society 
  • Member, New York Bar Association