Investment involves risk (including the possibility of loss of the capital invested). Prices of investment products may go up as well as down and may even become valueless. Past performance information presented is not indicative of future performance. Investors should not only base on this marketing material alone to make any investment decision, but should read in detail the offering documents and the Risk Disclosure Statement of the relevant investment products.

Risk Disclosure of SimplyFund Account:
  • Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices of fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant fund's offering documents (including the fund details and full text of the risk factors stated therein (in particular those associated with investments in emerging markets for funds investing in emerging markets)) before making any investment decision.
  • Not all of the investment funds that are distributed by Hang Seng Bank Limited (the “Bank”) are available in SimplyFund Account. Only specific funds are available for subscription with this account. If you are looking for other investment funds or investment products, please visit our branches or our websites for more information.
  • In respect of the investment funds available for subscription with this account at the moment, they are provided by the Bank’s wholly owned subsidiary, Hang Seng Investment Management Limited.
Risk Disclosure of Investment Funds:
  • Investors should note that investments involve risks (including the possibility of loss of the capital invested), prices of fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read the relevant fund's offering documents (including the full text of the risk factors stated therein (in particular those associated with investments in emerging markets for funds investing in emerging markets) in detail before making any investment decision.
Risk Disclosure of MaxiInterest Investment Deposit:
  • 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.
  • Investors should note that this product is not capital protected and is not a normal time deposit, and thus should not be considered as normal time deposit or its alternative.
  • 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 where necessary. The relevant Terms and Conditions of this product are available upon request to the staff of the Bank.
  • This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
  • Investment in this product is subject to the credit risk of the Bank.
  • Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the MaxiInterest Investment Deposit involving RMB are subject to the currency risk of RMB.
Risk Disclosure of Capital Protected Investment Deposit:
  • 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.
  • Investor should note that this product is not normal time deposit and thus should not be considered as normal time deposit or its alternative.
  • This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
  • Investment in this product is subject to the credit risk of the Bank.
  • Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the Currency-Linked Capital Protected Investment Deposit involving RMB are subject to the currency risk of RMB.
Risk Disclosure for FX2 - FX and Precious Metal Trading Services:
  • Foreign exchange and precious metal trading involves a high degree of risk. You may sustain a substantial or even total loss of your initial collateral. Under certain market conditions, you may find it difficult or impossible to liquidate a position of outstanding FX2 Trading Contracts. Placing contingent orders, such as "stop-loss" or "stop-limit" orders, will not necessarily limit your loss at the designated price. In extreme circumstances whereby the market moves significantly against your positions, you may be required to make additional deposits or interest payments within a short period of time to maintain your positions. If you fail to provide the required deposits or interest payments immediately, your positions under all outstanding FX2 Trading Contracts may be closed out without prior notice. You should therefore carefully consider if foreign exchange and precious metal trading is suitable for you in light of your own financial position and investment objectives.
  • Renminbi ("RMB") is subject to foreign exchange control by the PRC government. If your FX2 Trading Contract involves offshore RMB, you will be subject to foreign control and currency risks of RMB.
  • Trading on an electronic trading system may differ from trading on other trading systems or platforms. You will be exposed to risks associated with the system including the failure of hardware and software, which could result in your order not being executed according to your instructions or at all.
  • Investment involves risks. The above risk disclosure cannot disclose all the risks involved. You should read and understand all the relevant documents and risk disclosure (in particular, the Risk Disclosure Statement contained in the relevant application form) before making any investment decision.
  • The contents of this webpage have not been reviewed by any regulatory authority in Hong Kong. If you are uncertain of or do not understand the nature of and the risks involved in foreign exchange and precious metal trading, you should seek independent professional advice.
Risk Disclosure of Equity Linked Structured Products:
  • Equity Linked Structured Products involve derivatives. The investment decision is yours but you should not invest in an Equity Linked Structured Product unless the intermediary who sells it to you has explained to you that the Equity Linked Structured Product is suitable for you having regard to your financial situation, investment experience and investment objectives. Equity Linked Structured Product is a Complex Product and you should exercise caution in relation to this product. The market value of the equity linked structured products may fluctuate and investors may sustain a total loss of their investment. Prospective investors should therefore ensure that they understand the nature of the equity linked structured products and carefully study the risk factors set out in the offering documents for the equity linked structured products and, where necessary, seek independent professional advice, before they decide whether to invest in equity linked structured products. If you purchase the equity linked structured products, you are relying upon the creditworthiness of the Issuer of equity linked structured products.
  • Liquidity risk - Equity Linked Structured Products are designed to be held to its maturity. You may not be able to sell your investment in the Equity Linked Structured Products before maturity. If you try to sell the Equity Linked Structured Products before expiry, the amount you receive may be substantially less than the investment amount you paid for the Equity Linked Structured Products.
  • Credit risk of the Equity Linked Structured Products issuer - Equity Linked Structured Products constitute general unsecured and unsubordinated contractual obligations of the issuer. When you buy Equity Linked Structured Products, you will be relying on the creditworthiness of the Equity Linked Structured Products issuer and of no other person. You have no rights under the terms and conditions of Equity Linked Structured Products against any issuer of any linked stock. If the relevant Equity Linked Structured Products issuer becomes insolvent or default on its obligations under the Equity Linked Structured Products, in the worst case scenario, you could lose all of your investment.
  • Not the same as investing in linked stock - Investing in Equity Linked Structured Products is not the same as investing in the linked stock(s). Changes in the market price or level of any linked stock(s) may not lead to a corresponding change in the market value of, or your potential gain or loss under, the Equity Linked Structured Products.
Important Information for “Risk Profiling Questionnaire”:
  • The Risk Profiling Questionnaire is provided by Hang Seng Bank Limited (the "Bank") and is intended to help the customer understand his/her risk profile and investment needs. The Bank makes no guarantee, representation or warranty and accepts no responsibility or liability as to the accuracy or completeness of the information or recommendation given. The suggestions are derived from information that the customer has provided to the Bank. The suggestions are designed to meet the needs discussed in this test and are in line with the customer’s attitude towards risk. The suggestions are for the customer’s consideration when making his/her own investment decisions. The suggestions are not an offer to sell or a solicitation to buy any financial products and the suggestions should not be considered as investment advice.
Important Information for “Investor Protection Assessment”:
  • Hang Seng Bank Limited (“Hang Seng Bank” or “the Bank”) is committed to exercising care and providing additional protection to vulnerable customers in the sale of investment products. This assessment is provided by the Bank and is intended to help customer understand whether he/ she is a Vulnerable Customer based on his/ her personal circumstances, including his/ her investment trading experience.
  • The investor protection status derived from this Investor Protection Assessment will be valid for 1 year from the last updated date unless there is any update on the customer’s circumstances in the Bank’s record in which case the assessment result would become invalid automatically. Customer should complete a new assessment if there are any changes to the customer’s circumstances that may impact his/her investor protection status.
  • Any assessment on the customer’s investor protection status will be based on the information in the Bank’s record (such as age, education level, net liquid asset and investment experience in past 5 years), the information customer provides to the Bank and the observation from the sales staff when contacting with customer. If a customer fails to provide complete, accurate, and up-to-date information, it will affect the Bank’s assessment of the customer’s investor protection status and any services that may be provided.
  • For joint account, each account holder must complete an investor protection assessment separately.
  • For authorized person, he/she must complete an Investor Protection Assessment before conducting any investment transactions.

Foreign Currency Investments and Equity Linked Structured Products

From now till 30 September 2021 (the "Promotion Period"), you can get a lucky draw chance by successfully subscribing online for Foreign Currency Investments and Equity Linked Structured Products, to win a HKD5,000 Apple Store Gift Card and enjoy up to HKD550 Cash Rewards.


Online Investment Services Lucky Draw

Customers who successfully complete or update the following designated product subscriptions or relevant services (“Designated Items”) through our online platforms, can get one lucky draw chance for each of the Designated Items. Complete or update all of the 10 Designated Items to get a maximum of 10 lucky draw chances in total, for a chance to win a HKD5,000 Apple Store Gift Card!
Designated Items Minimum Subscription Amount for Investment Product
(if applicable)
Open a SimplyFund account
-
Fund subscription via SimplyFund account
HKD1
Fund subscription via Investment Funds account
HKD5,000
Subscription for MaxiInterest Investment Deposit
HKD5,000
Subscription for Capital Protected Investment Deposit
HKD5,000
Subscription for FX2 – FX and Precious Metal Trading Services
HKD5,000
Subscription for Equity Linked Structured Products
HKD80,000
Complete / update Risk Profiling Questionnaire
-
Complete / update Investor Protection Assessment
-
Register for e-Statement / e-Advice of Investment Funds account
-
Terms and Conditions apply to Online Investment Services Lucky Draw.


Relevant Investment Products Offer

Eligible Customers[1] who successfully subscribe for the Relevant Investment Products[2] online for the first time with designated investment amount can enjoy up to HKD550 Cash Rewards!
Relevant Investment Products
Designated Investment Amount
Cash Reward
Capital Protected Investment Deposit
HKD10,000 or above
HKD50
MaxiInterest Investment Deposit
HKD10,000 or above
HKD50
FX2-FX and Precious Metal Trading Services
HKD10,000 or above
HKD50
Equity Linked Structured Products
HKD80,000 or above
HKD400
Terms and Conditions apply to the offer of Relevant Investment Products.
  1. Applicable to customers who is holding a Preferred Banking, Green Banking, Integrated Account or selected Prestige Banking, and have not conducted any Relevant Investment Products transactions during the period from 1 January 2020 to 13 June 2021(subject to the Bank’s records).
  2. Relevant Investment Products include any new transactions of equity linked structured products of the Bank, Capital Protected Investment Deposit, MaxiInterest Investment Deposit, and/or the FX2 – FX and Precious Metal Trading Services of the Bank.


Investment Product Features

Looking for an FX investment product with lower risk
Our Capital Protected Investment Deposit, which features a minimum investment amount of as low as HKD5,000 for online subscription, comes with a range of choices for the deposit amount, linked currency and investment tenor, giving you more flexibility in structuring your investment portfolio. Besides, you can enjoy the opportunity to earn a higher potential return plus 100% capital protection at maturity[1].
Potential return of up to 6% p.a.[2]
Online investment amount of as low as HKD5,000
100% Capital protection at maturity[1]
Tenor starts from 2 months
No handling fee or management fee
  1. You could suffer a total loss of your investment amount if the Bank becomes insolvent or defaults on its obligations under this product. Please refer to "Credit risk of the Bank" in the offering document for details.
  2. The relevant interest rate (p.a.), which is provided for reference only, is only applicable to the Capital Protected Investment Deposit of the designated product category, currency pair and tenor.
  3. The offer period of Capital Protected Investment Deposit is 10:00 to 16:30 of each business day.
Want to capture FX trends to meet your foreign currency needs and enjoy potential interest return?
MaxiInterest Investment Deposit, with an online investment threshold of as low as HKD5,000, can allow you to customise your currency pair, initial exchange rate and investment tenor to suit your various investment needs. You can earn potential interest return, and a chance to get the relevant foreign currency at your pre-defined exchange rate[1], upon maturity.
Potential return of up to 10% p.a.[2]
Flexible tenor from 1 week to 3 months
Online investment amount of as low as HKD5,000
Potential to exchange linked currency at predefined rate[1]
No handling charge [3]
Illustrative Example

MaxiInterest Investment Deposit
Choose the Deposit Currency and Linked Currency according to the investors' needs
Set the Initial Exchange Rate according to the investors' interest(1)
Compare Initial and Final Exchange Rate to determine the Returns on the Final Exchange Rate fixing Date(2)

Scenario
Returns (Currency to be received)
Linked Currency appreciates relative to Deposit Currency or remains unchanged
Principal + Interest (paid in Deposit Currency)
Scenario 1
Linked Currency appreciates relative to Deposit Currency or remains unchanged
Principal + Interest (paid in Deposit Currency)
Linked Currency depreciates relative to Deposit Currency
Principal + Interest (converted to and paid in the Linked currency at the Initial Exchange Rate)
Scenario 2
Linked Currency depreciates relative to Deposit Currency
Principal + Interest (converted to and paid in the Linked currency at the Initial Exchange Rate)
Remarks:
  1. The Bank shall have absolute discretion to accept or reject the Initial Exchange Rate set by customers.
  2. The Final Exchange Rate Fixing Date is the Maturity Date of the Deposit or such other Business Day as may be determined by the Bank, and the Final Exchange Rate will be determined by the Bank at 10:00 a.m. (Hong Kong Time) on the Final Exchange Rate Fixing Date.
Example1: When Deposit Currency is your home currency
  • Assuming Hong Kong Dollars is your home currency
  • Assuming you take a bullish view on Australian Dollar
  • So that you expect the exchange rate of AUD/HKD to increase(AUD appreciates relative to HKD)
Deposit Currency:
HKD (Home Currency)
Linked Currency:
AUD
Principal Amount:
HKD 100,000
Deposit Period:
1 month (30 days)
Initial Exchange Rate (USD/CNH):
6.8400
Annual Interest Rate:
4.000%
AUD/HKD at Fixing Time
Received Currency & Amount
Scenario 1
Equal to or higher than 6.8400
(i.e. AUD appreciates or remains unchanged relative to HKD)
HKD 100,328.77
Scenario 2
Lower than 6.8400
(i.e. AUD depreciates relative to HKD)
AUD 14,667.95
(paid in AUD by Exchange Rate of 6.84)
Scenario 1
AUD/HKD at Fixing Time Equal to or higher than 6.8400
(i.e. AUD appreciates or remains unchanged relative to HKD)
Received Currency & AmountHKD 100,328.77
Scenario 2
AUD/HKD at Fixing Time Lower than 6.8400
(i.e. AUD depreciates relative to HKD)
Received Currency & AmountAUD 14,667.95
(paid in AUD by Exchange Rate of 6.84)
Example2: When neither Deposit Currency nor Linked Currency are your home currency
  • Assuming both the Deposit Currency US Dollar and Linked Currency Renminbi are not your home currency
  • Assuming you take a bullish view on Renminbi
  • So that you expect the exchange rate of USD/CNH to decrease (CNH appreciates relative to USD)
Deposit Currency:
USD
Linked Currency:
CNY
Home Currency:
HKD
Principal Amount:
USD 100,000 (HKD 776,000, Initial Exchange Rate of USD/HKD 7.7600)
Deposit Period:
1 month (30 days)
Initial Exchange Rate (USD/CNH):
6.2150
Annual Interest Rate:
1.500%
CNH/USD at Fixing Time
Received Currency & Amount
Scenario 1
Equal to or lower than 6.2150
(i.e. CNH appreciates or remains unchanged relative to USD)
USD 100,125.00
Scenario 2
Higher than 6.2150
(i.e. CNH depreciates relative to USD)
CNY 622,276.88
(paid in CNH at the exchange rate of 6.21500)
Scenario 1
CNH/USD at Fixing Time Equal to or lower than 6.2150
(i.e. CNH appreciates or remains unchanged relative to USD)
Received Currency & AmountUSD100,125.00
Scenario 2
CNH/USD at Fixing Time Higher than 6.2150 (i.e. CNH depreciates relative to USD)
Received Currency & AmountCNY622,276.88
(paid in CNH at the exchange rate of 6.21500)
Remarks:
If the Deposit Currency or the Linked Currency is not your home currency, your gain or loss will also be affected by the fluctuation of the exchange rate between the Deposit Currency and your home currency or the Linked Currency and your home currency, depending on which currency you receive as Principal Amount + Interest at maturity. If you receive the Principal Amount + Interest in the Deposit Currency at maturity and the Deposit Currency has depreciated against your home currency, the loss arising from such depreciation may offset or even exceed any potential gain from investing in this product. If you receive the Principal Amount + Interest in the Linked Currency at maturity and the Linked Currency has depreciated against your home currency, the loss arising from such depreciation may offset / exceed any potential gain or increase your potential loss from investing in this product.
  1. You may suffer from loss if the deposit is converted to the linked currency.
  2. This interest rate (p.a.), which is provided for reference only, is for an investment deposit of 1-week tenor in HKD/AUD on 21 June 2021. Historical interest rate data may not be indicative of future data, which will be determined based on the prevailing market conditions.
  3. Early withdrawal will incur relevant costs and charges and customers shall be liable for such costs and charges.
Put your FX market views into action.
FX2 – FX and Precious Metal Trading Services allow you to buy (long) and sell (short) foreign currencies and precious metal according to market movements, thus giving you investment opportunity flexibly amid market volatility.
Long & short positions depending on market situation
Online investment amount of as low as HKD5,000
Low trading spread
(compared to telegraphic transfer rates and currency note exchange rates)
Trade 24 hours on trading days[1]
Illustrative Example

FX2 – FX and Precious Metal Trading Services
Mr. Wong has a bearish view on AUD and expects the exchange rate of AUD/USD to go downtrend further from its existing level of 1.2650. He has HKD$5,000 cash available in his investment portfolio.
If Mr. Wong is an FX2 Customer
As an FX2-FX and Precious Metal Trading Services customer, Mr. Wong can deposit the HKD5,000 into his FX2 collateral account to open a short position of AUD500(1)against the USD (i.e. sell AUD, buy USD).
Remark:
  1. Assuming AUD = HKD10 on the transaction date
10 days later, Mr. Wong squares his position:
Scenario 1 (Gain)
Exchange rate of AUD/USD falls to 1.235
Scenario 2 (Loss)
Exchange rate of AUD/USD rises to 1.295
Gain/Loss from exchange rate movements
= (1.265 - 1.235) x AUD500
= USD15
= (1.265 - 1.295) x AUD500
= -USD15
Interest earned/paid
= AUD500 x 1.265 x (1.40% - 1.00%) x 10/360
= USD0.07
(Assuming the interest rates are 1.4% for the USD long position and 1.00% for the Currency A short position during the entire period)
Total Gain/Loss
= USD15 + USD0.07
= USD15.07
= -USD15 + USD0.07
= -USD14.93
10 days later, Mr. Wong squares his position:
Scenario 1 (Gain)
Exchange rate of AUD/USD falls to 1.235
Gain/Loss from exchange rate movements
= (1.265 - 1.235) x AUD500
= USD15
Interest earned/paid
= AUD500 x 1.265 x (1.40% - 1.00%) x 10/360
= USD0.07
(Assuming the interest rates are 1.4% for the USD long position and 1.00% for the Currency A short position during the entire period)
Total Gain/Loss
= USD15 + USD0.07
= USD15.07
Scenario 2 (Loss)
Exchange rate of AUD/USD rises to 1.295
Gain/Loss from exchange rate movements
=(1.265 - 1.295) x AUD500
= -USD15
Interest earned/paid
= AUD500 x 1.265 x (1.40% - 1.00%) x 10/360
= USD0.07
(Assuming the interest rates are 1.4% for the USD long position and 1.00% for the Currency A short position during the entire period)
Total Gain/Loss
= -USD15 + USD0.07
= -USD14.93
If Mr. Wong is not an FX2 Customer
Without an FX2 account and not holding any AUD, Mr. Wong cannot make a bearish trade by shorting or selling the currency.
  1. From Monday 06:00 a.m. to Saturday 03:30 a.m.
Want to plan your investment portfolio flexibly in a volatile market?
Equity Linked Structured Products, the returns of which are determined with reference to the changes in the valuations of the underlying equities, come with the opportunity to gain higher potential returns under specific circumstances. Moreover, the latest-on-board designated product will pay back 85%-99.9% of the invested capital at maturity under the predefined worst-case scenario[1].
Subscription amount of as low as HKD80,000, guarantee to issue
Potential return is linked to the performance of underlying equities. Designated products come with the opportunity for investors to enjoy a higher potential return
Set up your personalized portfolio by setting the exercise prices, airbag prices and the like
Flexible tenor from 1 month to 3 years
Designated product will pay back 85%-99.9% of the invested capital at maturity under the predefined worst-case scenario[1]
Subscription channels of Equity Linked Structured Products
Hang Seng Personal Banking Mobile App
android appapp store
android appapp store
Hang Seng Personal e-Banking

Logon to experience at
Investments
Equity Linked Investments


Easy Steps to Subscribe
  1. Select an ELI tranche.
  2. Choose your “Type of Investment Return”. The suitability assessment would be performed by the system based on the selected ELI and your personal circumstances. If you are fine with the assessment results, click “Continue”.
  3. Input your purchase details (e.g. Investment Amount and Concentration Risk Assessment etc.) and click "Next".
  1. You could suffer a total loss of your investment amount if the Bank becomes insolvent or defaults on its obligations under this product. Please refer to "Risk Factors" section in the offering document for details.


Useful Information and Tools

Explore this new platform that opens up a new investment horizon for you
Explore this new platform that opens up a new investment horizon for you
Daily market videos provide you with the latest market trends and commentaries
Daily market videos provide you with the latest market trends and commentaries

Hang Seng
Market Info App

Hang Seng Market Info App

Besides the latest market updates and professional market commentaries, the complimentary Push Notification service allows you to personalize your settings to receive all the market and product information you are interested in whenever you need it.

app storeandroid app
app storeandroid app

Hang Seng
Personal Banking App

Hang Seng Personal Banking App

Trade FX investments and get real time quotes of foreign currencies to seize investment opportunities.

app storeandroid app
app storeandroid app
Before subscription for our various types of investment products, you can find out more about your risk appetite to better plan your investment ahead by completing or updating your Risk Profiling Questionnaire now.
Before subscription for our various types of investment products, you can find out more about your risk appetite to better plan your investment ahead by completing or updating your Risk Profiling Questionnaire now.
Before subscription for our various types of investment products, you can find out more about your risk appetite to better plan your investment ahead by completing or updating your Risk Profiling Questionnaire now.
Before subscription for our various types of investment products, you can find out more about your risk appetite to better plan your investment ahead by completing or updating your Risk Profiling Questionnaire now.
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