Mr. Lo received his early education at Chinese Baptist Mission School in San Francisco, U.S.A. He also studied at Queen's College in Hong kong, from which he was graduated and awarded the Stewart scholarship of $100 for high proficiency in English. Later Mr. Lo went to Peiyang University and in 1906 entered Harvard University to study economics and political science and was graduated with an Bachelor of Arts degree in 1908.
After that he entered University of Chicago Law School in 1908 as a candidate for Juris Doctor degree and later also enrolled in political science department as a candidate for Master of Arts degree. Mr. Lo received both degrees in 1911, being the first Chinese recipient of degree of Juris Doctor in American universities. His scholarship and high popularity with his American schoolmates were shown by his being elected president of his law class.
Pan-hui Lo returned to China in the fall of 1911 and joined the revolutionary movement at Canton, being placed in charge of foreign affairs and the Law Drafting Bureau. Early in 1912 he was appointed by Presidential Mandate Special Commissioner of Foreign Affairsfor Kwangtung Province, relinquishing the post upon failure of the Second Revolution in 1913. From 1914 to date for various periods, he was a professor of political science, Kwangtung Academy, lecturer on law of evidence and commercial law at the ComparativeLaw School of China (law department of Soochow University), chief English secretary, Shanghai-Hangchow-Ningpo Railway, director, Shanghai Cantonese free schools and other educational and eleemosynary institutions, chairman of board of directors, Cantonese Guild in Shanghai, China, director, Chinese Ratepayers" Association, Shanghai International Settlement, Chinese adviser in Shanghai International Municipal Council, legal adviser and general secretary, NankingShanghai Railway and Shanghai-Hangchow - Ningpo Railway, commissioner Nanking-Shanghai Railway, chairman of the executive committee of theKuomintang Special Organ of N.-S. Ry. and S.-H.-N. Ry., Chairman Board of Commissioners, Nanking - Shanghai Railway, Managing Director, NankingShanghai Railway and Shanghai - Hangchow-Ningpo Railway, Managing Director, Canton-Hankow Railway and Counsellor to the City Government of Shanghai Municipality.