

Early life:
Hu was born in Honolulu, Hawaii, the daughter of Juanita, an engineering drafter for Honolulu, and Herbert Hu, a salesman and exotic bird breeder; the two divorced during Hu's childhood. She is of Hawaiian, Chinese, and English descent. She attended Maʻemaʻe Elementary School and Kamehameha Schools in Honolulu, Hawaii.
Hu has held a lifelong interest in singing and dancing and has also been interested in martial arts since her early childhood, when her older brother would arrange for her to fight neighborhood boys. Hu's cousin was a successful model in Japan and Hu decided to follow her example. To gain publicity, Kelly won the Miss Hawaii Teen USA 1985 title and competed in the Miss Teen USA 1985 pageant, becoming the third Miss Teen USA titleholder. Hu has mentioned in interviews that her mother had told her America was not ready for an Asian as such a prominent role model. However, Hu became the first Asian American to win the title. Ironically enough, she discovered after winning that she was prohibited from appearing in non-contest related activities for the year of her reign, this rule soon changed later on the coming years.

Hu worked in Japan and Italy, the latter in which she became well-known as the star of a series of ads for Philadelphia brand cream cheese, playing a young Japanese college student named Kaori. Hu moved to Los Angeles and began her acting career in 1987 with a guest starring role as Mike Seaver's Hawaiian love interest on the sitcom Growing Pains. Hu followed this with appearances on TV series such as Night Court, Tour of Duty, 21 Jump Street, and Melrose Place and her first movie role in Friday the 13th Part VIII: Jason Takes Manhattan as one of Jason's victims. Hu also won the title of Miss Hawaii USA in 1993, became the first former Miss Teen USA to win a Miss USA state title, and went on to compete in the 1993 Miss USA pageant held in Wichita, Kansas. She entered the top 10 in second place, after winning the preliminary interview competition and placing second and third in swimsuit and evening gown. Then she made the top 6 ranked second, winning the top 10 evening gown competition and placing second in swimsuit. Kelly was eliminated in 4th place after the judges' questions, just two hundredths of a point from the Final 3.

In January 2007, Hu began appearing in a full time role on the TV series In Case of Emergency. She plays Kelly Lee, a Korean American woman who accidentally reunites with her high school classmates, yet realizes none of them grew up according to their high school plans.
During the first quarter of 2007, Kelly completed filming the film Stilletto, and after that, Farmhouse.
In the fall of 2009, Kelly is due to appear in The Tournament as 'Lai-Lai Zhen'.
In 2010, Kelly is set to star as The Assistant in Sanzhar Sultanov's crime drama - The Story.

Hu, a member of CAUSE USA, an organization which encourages Asian Americans to participate in the democratic process, was instrumental in creating the innovative PSA The Least Likely. This clip purports to be a promo for a typical fantasy-adventure movie, only to reveal its message at the end. It aired on MTV and other networks with appeal to young people and Asian Americans.
Hu graduated from Pepperdine University in Malibu. She resides in Brentwood, Los Angeles, California. She has never been married.
Her brother, Glenn, is a lieutenant colonel in the United States Army.

In January, 2008, she participated in a video for Barack Obama produced by will.i.am called Yes We Can. She campaigned for Obama in their native Hawaii in the run-up to the February 19th Democratic caucuses. In February 2008, Hu also appeared in another viral video in support of Obama, Sí Se Puede Cambiar, written and performed by Andrés Useche, directed by Eric Byler, from the group United For Obama.