To understand the cold tolerance of a Schefflera (most commonly the Schefflera arboricola or Schefflera actinophylla), one must first consider its origins. These plants are native to the warm, humid, and frost-free tropical and subtropical regions of Taiwan, Hainan, and Australia. As such, they have evolved to thrive in consistently warm conditions and possess zero natural tolerance to freezing temperatures. Their cellular structure and sap are not designed to withstand ice formation. Therefore, from the plant's perspective, any temperature that begins to impede its physiological processes is "too cold." This point is reached well above the freezing mark of water.
The definitive answer, from the plant's physiological standpoint, is that sustained temperatures below 10°C (50°F) are too cold for a Schefflera. At this threshold, the plant enters a state of cold stress. Its metabolic activities, including photosynthesis, respiration, and nutrient absorption, slow down significantly. The plant is essentially becoming dormant and is far more vulnerable to secondary issues like root rot from damp soil, as its roots are no longer actively taking up water. Prolonged exposure to temperatures in this range will lead to a general decline in health, manifested by leaf yellowing and droopiness.
Temperatures at or near 0°C (32°F) are extremely dangerous and often fatal for a Schefflera. When the ambient temperature reaches freezing, the water within the plant's cells begins to form ice crystals. These crystals physically puncture and shred the delicate cell membranes and walls, causing irreversible damage. This damage is known as frost kill. The effects are rapid and severe; leaves will turn black, become mushy, and collapse. Stems will soften and wilt. Even a brief exposure to a light frost can be enough to kill portions of the plant, if not the entire specimen. Recovery from such damage is highly unlikely.
The plant will communicate its distress through clear physical symptoms. Initial signs of exposure to cooler temperatures (above 10°C but below 15°C / 59°F) include a general loss of vigor and slower growth. As temperatures drop into the stress zone, you will observe leaf chlorosis (yellowing), particularly on older leaves, and leaf drop as the plant attempts to conserve energy and reduce its mass. The most severe symptom is black, water-soaked, and mushy leaves and stems, which indicates that freezing has occurred and the tissues are necrotic (dead). This damage cannot be reversed.
For optimal health and to avoid cold stress entirely, a Schefflera prefers to be kept in a stable environment within a temperature range of 15°C to 24°C (60°F to 75°F). It is crucial to protect the plant from cold drafts near windows, doors, and air conditioning vents. When moving the plant outdoors in summer, it must be brought back inside long before nighttime temperatures begin to dip towards 15°C (59°F). Acclimating the plant to lower temperatures is not a viable strategy; it is a tropical species whose fundamental requirements are warmth and stability. Providing these conditions is essential for its survival.