Terms and Conditions apply to the exchange rate premium and rates above and they are reference rates as of the date indicated above. Please contact staff of Hang Seng Bank Limited (“the Bank”) for details about the offers and latest rates. Interest rates and exchange rates are subject to review according to changes in market conditions from time to time. The Bank reserves the right to change the above offers at any time. Before making the relevant transaction, please check with our staff for the effective rates applicable to the transaction.

Investment involves risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts a time deposit from the foreign currency to HKD upon maturity.

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This is a structured product involving derivatives. The investment decision is yours but you should not invest in the MaxiInterest Investment Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investors should read the relevant Important Facts Statement, Terms and Conditions and risk disclosure statement before making any investment decision.

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Earnings on this product are limited to the nominal interest payable. As the principal and the earning will be paid in the Deposit Currency or the Linked Currency, whichever has depreciated against the other, investors will have to bear the potential losses due to currency depreciation, which may be substantial. If the product is withdrawn before maturity, investors will also have to bear the costs involved. Such losses and costs may reduce the earnings and the principal amount of this product. Investors should seek professional advice when necessary. The relevant Terms and Conditions of this product are available upon request to the staff of Hang Seng Bank Limited (the “Bank”).

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This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.

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Investment in this product is subject to the credit risk of the Bank.

The risk of loss in leveraged foreign exchange trading can be substantial. You may sustain losses in excess of your initial margin funds. Placing contingent orders, such as stop-loss or stop-limit orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position may be liquidated. You will remain liable for any resulting deficit in your account. You should therefore carefully consider whether such trading is suitable for you in light of your own financial position and investment objectives. Investment involves risks. Investors should refer to the relevant risk disclosure statement, leaflet, Service Guide and terms and conditions for details before making any investment decision.

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This is a structured product involving derivatives. The investment decision is yours but you should not invest in the Capital Protected Investment Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investor should read the Important Facts Statement of the relevant investment type, the relevant term sheet, Terms and Conditions and risk disclosure statement before making any investment decision.

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Investor should note that this product is not normal time deposit and thus should not be considered as normal time deposit or its alternative.

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This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.

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Investment in this product is subject to the credit risk of the Bank.

This website should not be considered as an offer or solicitation to deal in any of the investments mentioned herein. The investments mentioned in this website may not be suitable for all investors. Information prepared above is based on sources that are reasonably believes to be reliable. However, the Bank does not guarantee the accuracy, validity or completeness of such information, and no responsibility or liability is accepted in relation to the use of or reliance on any such information whatsoever contained in this website. Investors must make investment decisions based on their own investment objectives, financial position and particular needs and consult their own professional advisers where necessary.

This website is not intended to provide professional advice and should not be relied upon in that regard. No consideration has been given to the particular investment objectives, financial situation or particular needs of any recipient. Investment involves risk. Investors should note that value of investments can go down as well as up and past performance is not necessarily indicative of future performance. This website does not purport to identify all the risks that may be involved in the investments referred to in this website.