Asset Type Currency Loan Ratio
(% of Asset Market Value)
Time Deposit/ Foreign Currency Savings Deposit HKD/ USD 95%
CNY/GBP/CAD/AUD/ NZD/JPY/EUR/CHF 90%
Certificate of Deposit HKD/ USD Up to 90%
CNY/GBP/CAD/AUD/ NZD/JPY/EUR/CHF Up to 85%
Statement Gold HKD 80%
MaxiInterest Investment Deposit HKD/USD/Cross Currency Up to 60%
Stocks HKD Up to 50%
Bonds Major Currencies Up to 90%
Capital Protected Investment Deposit (CPI) Major Currencies Up to 95%
Capital Protected Equity Linked Note / Capital Protected Structured Product Major Currencies Up to 90%
Equity Linked Investment / Equity Linked Note Major Currencies Up to 45%
Capital Guaranteed Fund Major Currencies Up to 90%
Open-ended Fund Major Currencies Up to 70%
Note:
  1. Hang Seng Bank shall have absolute discretion to prescribe and change the asset type, loan ratio, overdraft interest rate and fees for the Secured Overdraft Facility.
  2. For the terms and conditions of Secured Overdraft Facility, please contact any Hang Seng Bank staff.