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 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 If the product is withdrawn before maturity, investors will also have to bear the costs involved.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.
- 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.
Want to capture FX investment opportunities and enjoy potential interest return?
At Hang Seng, we have a series of Foreign Currency Investment Products, including Capital Guaranteed Investment Deposit and MaxiInterest Investment Deposit, which allows you to choose among various currency pairs in line with FX trends, to snatch up FX investment opportunities while enjoying potential interest return.
Latest Relevant Investment Products Offer
From 1 July 2022 till 30 September 2022, Eligible Customers[1] who successfully subscribe for the Relevant Investment Products[2] online for the first time with designated investment amount can enjoy extra 6% p.a. interest rate for the first month, capped at a maximum of HKD600 for each of the Relevant Investment Products!
Relevant Investment Products
Designated Investment Amount
Calculation period of additional interest
Capital Protected Investment Deposit
HKD10,000 or above
(or equivalent)
(or equivalent)
Deposit period
or 1 month
(whichever is shorter)
or 1 month
(whichever is shorter)
MaxiInterest Investment Deposit
HKD10,000 or above
(or equivalent)
(or equivalent)
Deposit period
or 1 month
(whichever is shorter)
or 1 month
(whichever is shorter)
Terms and Conditions 
apply to the offer of Relevant Investment Products.
apply to the offer of Relevant Investment Products.
- Applicable to customers who is holding a Signature, Prestige Banking, Preferred Banking or Integrated Account and did not conduct corresponding Relevant Investment Products subscriptions during the period from 1 January 2022 to 30 June 2022 (subject to the Bank’s records).
- Relevant Investment Products include Capital Protected Investment Deposit and/ or MaxiInterest Investment Deposit.
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
- 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.
- 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.
- 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 24.25% 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)
Linked Currency depreciates relative to Deposit Currency
Principal + Interest (converted to and paid in the Linked currency at the Initial Exchange Rate)
Remarks:
- The Bank shall have absolute discretion to accept or reject the Initial Exchange Rate set by customers.
- 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)
(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)
(i.e. AUD depreciates relative to HKD)
AUD 14,667.95
(paid in AUD by Exchange Rate of 6.84)
(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)
(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)
(i.e. CNH depreciates relative to USD)
CNY 622,276.88
(paid in CNH at the exchange rate of 6.21500)
(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.
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.
- You may suffer from loss if the deposit is converted to the linked currency.
- This interest rate (p.a.), which is provided for reference only, is for an investment deposit of 1-week tenor in AUD linked to JPY on 4 May 2022. Historical interest rate data may not be indicative of future data, which will be determined based on the prevailing market conditions.
- Early withdrawal will incur relevant costs and charges and customers shall be liable for such costs and charges.
Illustrative Example
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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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