When you want a relative path from your home directory (on any UNIX) you use this strange syntax:
ssh://[user@]host.xz[:port]/~[user]/path/to/repo
For Example, if the repo is in /home/jack/projects/jillweb
on the server jill.com
and you are logging in as jack
with sshd
listening on port 4242:
ssh://[email protected]:4242/~/projects/jillweb
And when logging in as jill
(presuming you have file permissions):
ssh://[email protected]:4242/~jack/projects/jillweb