Lo was born in Syracuse, New York, and moved to Hong Kong with his parents when he was two years old. He studied at St Paul's Co-educational Primary School and St. Paul's Co-educational College. In 1989, Lo moved to Seattle, Washington, in the United States to further his studies. He spent two years in the University of Washington and finished his degree in Graphics Design at Rhode Island School of Design in Providence, Rhode Island in 1999. After graduation, he worked as a web designer at Yahoo! in Sunnyvale, California.