[1]:1–7 In 1905, at the age of 16, he returned to Hong Kong to study English at Queen's College, the prestigious government central school.

On 26 June 1923,[4] he was called to the English Bar at Inner Temple under the sponsorship of Sir Edward Clarke KC and Mr. Travers Humphreys.

In a famous case of the trial of 13 pirates from Bias Bay (R v Chung Tam Kwong), Lo successfully defended the prisoners on appeal which spared them from death sentence.

After the second world war, he was appointed by Governor Alexander Grantham as the First Chairman of the tenancy court to hear disputes under the Landlord and Tenant Ordinance.

At other times, the lawyers’ practice under the Japanese occupation was restricted to conveyancing and a few civil suits, with criminal cases completely out of scope.

[1]:18–19 Lo started his life on the bench in April 1948, when Governor Alexander Grantham appointed him as a magistrate sitting at the Central Magistracy.

In April 1964, on the invitation of the Chief Justice, Sir Michael Hogan, Lo returned to the Bench and sat at the Causeway Bay Magistracy (Chinese: 銅鑼灣裁判司署) until 1970, when he finally retired on the eve of his 80th birthday.

[12] On the occasion of his first retirement in 1959, Chief Justice Hogan wrote the following in a valedictory letter:[1]:21–22 You brought to the magisterial bench a long experience of the affairs of this territory, a deep understanding of the community and a wide knowledge of the culture and ideals that have given it so unique a character.

Your understanding of their difficulties and the sympathy and humanity, which you have brought to their problems have done much to maintain their regard for the administrators of justice.Lo was also noted for his good sense of humour, for which he was well liked by lawyers.

[15] He was a keen racing fan and a voting member of the Royal Hong Kong Jockey Club.

[16] In his memoirs, Lo argued for keeping death penalty on the statute book of Hong Kong, so that an "extremely wicked and atrocious condemnes murderer" can be hanged at the Governor's discretion and with the advice of the Executive Council.

He distinguished such a man from one who commits a murder under a loss of control or the influence of an unbalanced mind, who should not be hanged lest "creating a vicious cycle contrary to humanity".