Brand new tax deductible annuity - eIncomePro Deferred Annuity Plan (100% Guaranteed)

Plan early for your passive income and enjoy tax deductions Successfully apply now to also enjoy a 5X Cash Dollars Rebate / yuu Points
eIncomePro Deferred Annuity Plan (100% Guaranteed) ("eIncomePro" or "the Plan") is a life insurance plan and is not equivalent or similar to any kind of bank deposit. This product information does not contain the full terms of the policy and the full terms can be found in the relevant policy document. It is underwritten by Hang Seng Insurance Company Limited ("Hang Seng Insurance"). "eIncomePro" has been certified by the Insurance Authority ("IA") as Qualifying Deferred Annuity Policy ("QDAP"). For more information about "QDAP", please visit www.ia.org.hk .


eIncomePro Deferred Annuity Plan
(100% Guaranteed)(1)

Plan Features Plan Features
Provides 10-year extra fixed income(2) with a guaranteed internal rate of return of 1.73%-2%(3)
Breakeven year: at the end of 8th policy year(4) at the earliest
Policy currency: HKD / USD
Premium Payment method: Annual / Monthly
Annual Premium#:
Annual mode: HKD38,000-HKD180,000 / USD4,760-USD22,500
Monthly mode: HKD3,230-HKD15,300 / USD405-USD1,913
# There will be within 0.5% difference between the actual premium figures and the premium options selection due to rounding up of the system setting.
Tax Deduction Tax Deduction

The Plan is certified by the Insurance Authority ("IA") as a Qualifying Deferred Annuity Policy and the relevant premiums may be eligible for a tax deduction(1). The maximum limit is HKD60,000(6) per assessment year.
If you choose to pay an annual premium
HKD60,000 x tax rate of 17% =
Each taxpayer can save tax for
up to HKD 10,200 in each tax assessment year(1)(6)
Promotion Offer Promotion Offer

5X Cash Dollars / yuu Points(8)
If you choose to pay an annual premium of HKD 60,000, you can enjoy rewards worth up to HKD 1,200
must apply with <the designated promo code: 3IPC05> and pay the premiums with Annual Payment Mode with your Hang Seng Credit Card
Additional COVID-19 Benefit and Vaccination Benefit for free (no medical proof requirement)
For details of the plan features and the relevant product risks, please refer to the product brochure.
For the terms and conditions of the plan, please refer to the policy.
Get a free quote and apply online now
hangseng.com/eincomepro-plan
Get a free quote and apply online now
hangseng.com/eincomepro-plan
Get a free quote and apply online now
hangseng.com/eincomepro-plan
The must-knows about QDAPs
  1. Are all annuity products eligible for a tax deduction?
Qualifying Deferred Annuity PolicyNo, only the premiums paid for Qualifying Deferred Annuity Policies (“QDAPs”) are eligible for a tax deduction. Qualifying Deferred Annuity Policy
  1. What is the potential tax savings upon application for a QDAP?
The potential tax savings can be up to HKD10,200 in a tax assessment year for each taxpayer(1)(6), the actual tax savings depends on your personal circumstances (e.g. income, eligible tax deductions and allowances, QDAP premiums/tax deductible MPF voluntary contributions, etc).

In addition, taxpayer may claim deduction for qualifying annuity premiums paid under one or more than one policy. However, the deduction allowable to each taxpayer should not exceed the aggregate of qualifying annuity premiums and tax deductible MPF voluntary contributions paid during the tax assessment year or the specified maximum deduction HKD60,000, whichever is lower.
  1. Married couple could flexibly allocate qualifying deferred annuity premiums for tax deductions of up to HKD120,000 in total?
Married taxpayers may claim a tax deduction for the qualifying deferred annuity premiums paid by himself/herself and his/her spouse not living apart, they may allocate the qualifying deferred annuity premiums for tax deductions of up to HKD120,000 in total (potential tax savings of up to HKD20,400 per tax assessment year(1)(7)). However, the amount of deductions claimed by each taxpayer cannot exceed the individual limit (i.e. a maximum of HKD60,000 per individual).
Get a free quote and apply online now
hangseng.com/eincomepro-plan

After successful application, your life, medical and general insurance policies can be easily viewed and managed at anytime, anywhere with the Hang Seng Personal e-Banking or Personal Banking mobile app.
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Acceptance is guaranteed with no medical examination required.
It takes only 10 minutes to apply online(9)
Acceptance is guaranteed with no medical examination required.
It takes only 10 minutes to apply online(9)
Acceptance is guaranteed with no medical examination required.
It takes only 10 minutes to apply online(9)
Get a free quote and apply at
hangseng.com/eincomepro-plan