Terms and Conditions for the Deposit+: 4% p.a. HKD Deposit Rate


Offer Eligibility

  1. The promotion period of the Deposit+: 4% p.a. HKD Deposit Rate (“Promotion”) is from 1 September 2026 to 30 September 2026, both dates inclusive (“Promotion Period”).
  2. This Promotion is only applicable to personal customer of Hang Seng Bank Limited ("Bank") who fulfils all of the following criteria (“Eligible Customer”):
    1. During the Promotion Period, successfully places HKD 2-month time deposit(s) with Eligible New Fund Balance via Online Banking (including Hang Seng Personal e-Banking and Hang Seng Mobile App), Phone Banking or any branch of the Bank (“Eligible Time Deposit”).
      1. “Eligible New Fund Balance” refers to the incremental balance when comparing the latest HKD deposit balance with the HKD deposit balance as of 15 calendar days ago, after deduction of the sum of principal amount which has been entitled to new fund offer of time deposit within the last 15 calendar days (including time deposit placement date). The balance of all HKD accounts, including Savings Accounts, Current Accounts and Time Deposits will be counted towards the calculation of Eligible New Fund Balance. The Eligible New Fund Balance must meet the minimum requirement of HKD10,000 per Eligible Time Deposit.
      2. For Eligible Time Deposit placed with a joint account, it will be regarded as being placed by the primary account holder.
      3. For the latest prevailing interest rate of HKD new fund 2-month time deposit, please click here for details.
    2. The HKD Savings Deposit Growth on both 30 November 2026 and 31 December 2026 reaches the total amount of Eligible Time Deposits.
      1. “HKD Savings Deposit Growth” refers to the incremental balance of the Eligible Deposit Account on 30 November 2026 and 31 December 2026 as compared with the balance on 30 June 2026.
      2. “Eligible Deposit Account(s)” includes all HKD Savings Accounts and Current Accounts held by the Eligible Customer in sole name or in the capacity as the primary account holder in the case of a joint name account. Eligible Deposit Account(s) do not include Time Deposit accounts.
      3. For the “balance on 30 June 2026”, if the customer had a negative balance for Eligible Deposit Account on 30 June 2026 or did not hold any Eligible Deposit Account at that time, it will be treated as zero in the HKD Savings Deposit Growth calculation.
    3. Holds a valid personal integrated account(s) (including Private Banking, Prestige Private, Prestige Banking, Preferred Banking and Integrated Account) with the Bank.


Offer Details

Offer 1: 4% p.a. Time Deposit Total Interest Rate

  1. Subject to these terms and conditions, an Eligible Customer (as described in Clause 2) is entitled to a 4% p.a. Total Interest Rate on each Eligible Time Deposit placed during the Promotion Period.
    1. The total amount of Eligible Time Deposits applicable to each Eligible Customer under Offer 1 is capped at HKD3,000,000 (“Time Deposit Offer Cap”).
    2. "Total Interest Rate" means the sum of Prevailing Interest Rate and Bonus Interest Rate.
      1. "Prevailing Interest Rate" refers to the interest rate applicable at the time the Eligible Time Deposit is placed.
      2. "Bonus Interest Rate" means the additional interest rate over and above the Prevailing Interest Rate which together with the Prevailing Interest Rate amounts to the Total Interest Rate. If the total amount of Eligible Time Deposits exceeds Time Deposit Offer Cap (as described in Clause 3(a)), the amount in excess is eligible for the Prevailing Interest Rate only. The bonus interest derived from the Bonus Interest Rate is calculated as simple interest on a 365-day basis.

Offer 2: 4% p.a. Bonus Savings Deposit Interest Rate

  1. Subject to these terms and conditions, an Eligible Customer (as described in Clause 2) is entitled to a 4% p.a. HKD bonus savings deposit interest rate (“Bonus Savings Deposit Interest Rate”) for the Eligible Daily Savings Growth from November 2026 to December 2026.
    1. “Eligible Daily Savings Growth” refers to the incremental of the daily deposit balance from 1 November 2026 to 31 December 2026 as compared with the balance on 30 June 2026 of Eligible Deposit Account(s) (as described in Clause 2(b)(ii)).
      1. For the “balance on 30 June 2026”, if the customer had a negative balance for Eligible Deposit Account on 30 June 2026 or did not hold any Eligible Deposit Account at that time, it will be treated as zero in the Eligible Daily Savings Growth calculation.
    2. The Eligible Daily Savings Growth applicable to each Eligible Customer under Offer 2 is capped at the total amount of Eligible Time Deposit(s) or HKD3,000,000, whichever is lower. Any funds in excess will not be eligible to the bonus interest rate. The bonus interest is calculated as simple interest on a 365-day basis per year.


Other Terms and Conditions

  1. The Total Interest Rate for Offer 1 and Bonus Savings Deposit Interest Rate for Offer 2 are indicative as of 1 September 2026, for reference only and subject to revision by the Bank based on the latest market conditions.
  2. Subject to these terms and conditions, the bonus interest for Offer 1 and Offer 2 will be credited into the HKD savings/current deposit account (excluding Money Safe Account) of each Eligible Customer on or before 31 March 2027. At the time the bonus interest is credited, the Eligible Customer must continue to maintain a valid relevant account. Otherwise, the customer is deemed to have forfeited the right to receive the relevant bonus interest. The bonus interest is calculated on a per-Eligible Customer basis.
  3. The time deposit transaction time for Phone Banking and Online Banking in relation to this Promotion are as follows:
    1. For Phone Banking, the transaction time is Monday to Friday from 9am to 7pm, and Saturday from 9am to 12:55pm.
    2. For Online Banking, the transaction time is Monday to Friday from 8am to 7:55pm, and Saturday from 8am to 4:55pm.
    If the time deposit is placed outside the transaction time, or on Sunday, Hong Kong public holiday, or non-clearing day due to adverse weather condition such as typhoon signal or rainstorm warning, the time deposit will not be eligible for this Promotion.
  4. The processing date and time for the time deposit transactions, Eligible New Fund Balance and deposit balance are subject to the records of the Bank. The Bank reserves the right to amend any calculation method of related amount at its sole and absolute discretion.
  5. This Promotion is not applicable to the pending or renewal of time deposit and the time deposit uplifted before maturity.
  6. This Promotion is limited in quota and offered on a first come first served basis.
  7. Interest rates are subject to review according to changes in market conditions from time to time. The Bank reserves the right to change any interest rate applicable to this Promotion at any time. Before making the relevant transaction, please check with our branch staff for the latest rate applicable to the transaction.
  8. Unless otherwise specified, the offers mentioned in these terms and conditions cannot be used in conjunction with other promotional offers of the same products and other interest rate/exchange rate offers of the same currency of the Bank.
  9. This Promotion is not applicable to Commercial customers and any party who enjoys any special privilege offer of the Bank.
  10. No person other than the Eligible Customers and the Bank (which includes its successors and assigns) has any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these terms and conditions.
  11. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
  12. These terms and conditions are subject to prevailing regulatory requirements (where applicable).
  13. The Bank reserves the right to suspend, amend or terminate this Promotion and to amend these terms and conditions at any time and from time to time without prior notice. The decision of the Bank on all matters relating to this Promotion is final and binding on all parties concerned.
  14. In case of any discrepancy between the English and the Chinese versions of these terms and conditions, the English version prevails.