She is a well known actress in both Hong Kong and Mainland China.
Chiu married engineer Wong Hon-wai (黃漢偉) in 1975, and the couple had two children together: Gary Wong (黃光宏) and Ronnie Wong (黃光宜). The couple divorced in 1983. In 1984, Chiu married Hong Kong ex-actor Melvin Wong. Their son Wesley Wong (黃愷傑), also an actor, was born on 7 January 1987.