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Apple Chan started their work experience as a Product Development Manager at BOC Credit Card (International) Limited in July 2013. Apple then became a Senior Manager in Marketing Business Development in December 2015 and worked in this role until June 2018. From June 2018 to December 2021, Apple worked as a Senior Marketing & PR Manager at Nova Credit Limited. After that, they joined Bank of China (Hong Kong) as a Senior Team Head in December 2021, and they held this position until June 2023. Currently, Apple is working as the Vice President at HKT Digital Ventures - Fintech starting from July 2023.

Apple Chan studied at City University of Hong Kong, where they obtained a Bachelor of Business Administration (BBA) degree with a focus on Management Information Systems. Apple also attended the Toulouse School of Management, although information regarding the degree and field of study is not provided. In addition to their formal education, Apple has acquired certifications in wine and spirits, specifically WSET 2 and WSET Level 2 from the Wine & Spirit Education Trust.