Low was the youngest of three children. He attended Chung Ling High School and The International School of Penang (Uplands) before being sent to the elite Harrow School in London.The school boasts notable alumni, including former British Prime Minister Winston Churchill and the first Prime Minister of India, Jawaharlal Nehru.He took this opportunity to rub shoulders with students from powerful families, including royals from the Middle East and Brunei. In London, he developed a "close relationship" with Riza Aziz, the stepson of former Malaysian Prime Minister Najib Razak. Low then enrolled in the undergraduate program of the University of Pennsylvania's Wharton School, where he continued to develop connections with Malaysians as well as Kuwaiti and Jordanian interests and began managing money for his friends and family.
Low once lived a high-profile social life before becoming an international fugitive. Low's lavish lifestyle was purportedly funded by money pilfered from the 1MDB fund. His associations included Paris Hilton, Leonardo di Caprio, Kimora Lee Simmons, Jamie Foxx, Busta Rhymes, Kasseem Dean, Emily Ratajkowski and Alicia Keys.
He dated Taiwanese singer Elva Hsiao and also started a romance with Victoria's Secret model Miranda Kerr In June 2017, Kerr surrendered $8 million in jewelry to the US government amid an inquiry into the scandal.The jewelry had been given to her by Low in 2014, with whom she was at the time in a romantic relationship.