 |
Perpetual annual fee waiver on Non-property Secured Overdraft Facility(1). |
|
Wide range of assets maintained with the Bank can be pledged with loan ratio as high as 100%(2) :
 |
|
Pledgeable Shares Include the Following
Hang Seng Index Series Constituent Stocks |
Loan Ratio (% of Asset Market Value) |
| Hang Seng Index |
50% |
| Hang Seng HK LargeCap Index |
| Hang Seng HK MidCap Index |
| Hang Seng China Enterprises Index |
40% |
| Hang Seng China-Affiliated Corporations Index |
| Hang Seng HK SmallCap Index |
For details of constituent stocks of each index, please click here.
Pledgeable Assets |
Loan Ratio (% of Asset Market Value) |
| Capital Guaranteed Fund |
Up to 100% |
| Open-ended Fund |
Up to 50% |
Pledgeable Assets |
Currency |
Loan Ratio
(% of Asset Market Value) |
| Time Deposit |
HKD |
100% |
USD |
95% |
NZD/ CAD/ AUD/ JPY/ GBP/ CHF/ EUR/ CNY |
90% |
| Foreign Currency Savings Deposit |
USD |
95% |
NZD/ CAD/ AUD/ JPY/ GBP/ CHF/ EUR/ CNY |
90% |
| Statement Gold |
HKD |
70% |
| Capital Protected Investment Deposit |
-- |
Up to 90% |
| MaxiInterest Investment Deposit |
-- |
Up to 80% |
Pledgeable Assets |
Loan Ratio (% of Asset Market Value) |
| Property |
Up to 70% |
For details of Property Secured Overdraft Facility, please click here.
Pledgeable Assets |
Loan Ratio (% of Asset Market Value) |
| Certificate of Deposit |
Up to 100% |
| Bond |
Up to 75% |
| Equity Linked Investment/ Equity Linked Note |
Up to 45% |
|
To calculate the overdraft limit available with your assets pledged, please click here.
|
|
Preferential interest
rate(2) offered and interest only
charged on the overdrawn amount on a daily basis. |
|
Revolving overdraft limit - no need to re-apply
each time. |
|
No monthly minimum repayment requirement. |
|
Easy withdrawal of cash by cheque, via account
transfer or from ATM anytime. |
|
Instant Approval Service for online application(3). |