Chow was born in
British Hong Kong in 1952, with
family roots in
Nanjing in
Jiangsu province of mainland China. After graduating from
Taipei First Girls' High School, Chow studied law at
National Chengchi University and graduated with a
Bachelor of Laws (LL.B.) degree. She then completed graduate studies in the United States at
New York University, earning her
Master of Laws (LL.M.) from the
New York University School of Law. Chow was a high-school classmate of Ma Ying-jeou's sister. Chow and Ma married in
New York. She worked as a research assistant, assistant librarian, and
maître d’hôtel at a Chinese restaurant to support her husband through
Harvard Law School. They have two daughters, Lesley (Ma Wei-chung, 馬唯中) and Kelly (Ma Yuan-chung, 馬元中).
Lesley was born in 1980 in the United States when Ma was attending Harvard; she completed her undergraduate work at
Harvard University, her MA at
New York University, and her PhD at the
University of California San Diego. She is the Ming Chu Hsu and Daniel Xu Associate Curator of Asian Art in the Department of Modern and Contemporary Art at
The Metropolitan Museum of Art, New York. The younger daughter, Kelly, was born in Taiwan and completed her undergraduate studies at
Brown University in
Rhode Island. ==Career==