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Investment > Capital Protected Investment Deposit
Capital Protected Investment Deposit
Risk Warning
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.
Capital Protected Investment "CPI" Deposit


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100% Capital Protection
100% capital protection if the Currency-Linked Capital Protected Investment Deposit is held to maturity.
Higher Potential Return
Possibility of enjoying a higher potential return, depending on the exchange rate movement of the Underlying Currency Pair during the investment tenor.
Flexible Tenor
You may choose to invest for as short as 2 months.
Capital Protected Investment Deposit investment journey (Cantonese only)
Watch the video to experience our online investment of Capital Protected Investment Deposit.
Product Features
How Does It Work ?
More Information
100% Capital Protection
Potential Higher Return
Flexible Tenor
A Variety of Underlying Currency Pairs
No Handling Fee
Multi-subscription Channels
100% Capital Protection
100% capital protection if the Currency-Linked Capital Protected Investment Deposit is held to maturity.
Potential Higher Return
A minimum return (if any) is guaranteed^ for your benefit.
Possibility of enjoying the higher potential return, depending on the exchange rate movement of the Underlying Currency Pair during the investment tenor.
^Guaranteed minimum return applies to certain investment tranches only. Investors should refer to the relevant term sheet for details.
Flexible Tenor
You may choose to invest for as short as 2 months.
A Variety of Underlying Currency Pairs
More choices of the underlying currency pairs that fit your investment insights, including AUD/USD, GBP/USD, EUR/USD, USD/JPY, USD/CAD, USD/CHF, NZD/USD and USD/CNH.*
* If Renminbi is one of the currency in the Underlying Currency Pair, the relevant exchange rates will be quoted in offshore Renminbi (CNH).
No Handling Fee
No handling fee and management fee to minimise your investment cost.
Multi-subscription Channels
You can subscribe "CPI" deposit through Hang Seng Bank branches and Hang Seng Personal or Business e-Banking.
CPI


Deposit Date
Maturity Date
Principal 100% Guaranteed Principal +

Potential Return

market move to your favour

OR

Minimum Return (If any)

Market move against your favour

CPI with Potential Multi Coupon


Deposit Date Each Coupon Distribution Date Maturity Date
Principal

Potential Return

market move to your favour

100% Guaranteed Principal +

Potential Return

market move to your favour

OR OR

Minimum Return (If any)

Market move against your favour

Minimum Return (If any)

Market move against your favour

Illustrative Example
Trending Market
American Bullish/Bearish
European Bullish/Bearish
European Bullish/Bearish - Multi-Coupon
Range-traded Market
American Range
European Range
European Range - Multi-Coupon
American Bullish/Bearish
The Bank pre-sets the Trigger Level
Investor chooses a bullish or bearish view on different currencies
During the whole Observation Period, the exchange rate of the Underlying Currency Pair is compared with the Trigger Level to determine the return at maturity
Your View: Expects the exchange rate of AUD/USD will drop from 0.9400 to 0.9000 or below during the Deposit Period
Type of Investment:
American Bearish on AUD (AUD/USD)
Principal Guarantee %: 100%
Deposit Currency: CNY
Guaranteed Principal: CNY 100,000
Deposit Period: 6 months
Trigger Level:
AUD/USD 0.9000
Potential Return Rate: 3.00% (around 6.00% p.a.)
Minimum Return Rate: 1.50% (around 3.00% p.a.)
HKD/CNH (on deposit start date): 0.8000
Initial Investment Amount on Principal in HKD: HKD 125,000
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Scenario within the Observation Period
At any time during Observation Period Total Return
1. AUD market moves to Investor’s anticipation

- The exchange rate of HKD/CNH remains unchanged at 0.8000.

 

- The Exchange Rate of AUD/USD is at or below the Trigger Level (0.9000) 

Guaranteed Principal x (1 + Potential Return Rate)
= CNY100,000 x (1+ 3.00%)
= CNY103,000.00

2. AUD market moves against Investor’s anticipation

- The exchange rate of HKD/CNH remains unchanged at 0.8000.

 

- The Exchange Rate of AUD/USD stays above the Trigger Level (0.9000).

Guaranteed Principal x (1 + Minimum Return Rate)
= CNY100,000 x (1+ 1.50%)
= CNY101,500.00

3. AUD market moves against Investor’s anticipation and CNY depreciated against HKD

- The Exchange Rate of AUD/USD stays above the Trigger Level (0.9000).

- HKD/CNH depreciates from 0.80 to 0.82.

 

- If investor choose to convert the Total Return in CNY into HKD, investor will suffer a loss due to the depreciation of CNY.

- Such loss exceeds the gain investor can receive under the product.

 

 - If HKD/CNH rises drastically (i.e. CNH depreciates relative to HKD drastically and becomes almost worthless).

- Investor will suffer almost total loss in HKD due to depreciation of Renminbi.

Total Return in CNY

= CNY 101,500.00 ( same as scenario 2)

 

Total Return in HKD

= Total Return in CNY / Exchange Rate of HKD/CNH

= CNY 101,500 / 0.8200

= HKD 123,780.49

 

Gain/(Loss) in HKD

= HKD 123,780.49 - 125,000

= HKD (1,219.51)

4. Insolvent / Defaults on its obligations Assuming that the Bank becomes insolvent during the tenor of this product or defaults on its obligations under this product, you can only claim as its unsecured creditor. You may get nothing back and suffer a total loss of your investment amount.
Remark:
1. Assuming HKD is investor's home currency.
2. If the deposit currency is not investor's home currency and thus conversion is required, investor may make a gain or suffer a loss due to exchange rate fluctuations.
European Bullish/Bearish
The Bank pre-sets the Trigger Level and Observation Period
Investor chooses a bullish or bearish view on different currencies
On the Final Exchange Rate Determination Date, the Final Exchange Rate is compared with the Trigger Level to determine the return at maturity
Your View: Expects the exchange rate of AUD/USD will rise from 0.9400 to 0.9800 or above after the Deposit Period
Type of Investment:
European Bullish on AUD (AUD/USD)
Principal Guarantee %: 100%
Deposit Currency: HKD
Guaranteed Principal: HKD 100,000
Deposit Period: 6 months
Trigger Level:
AUD/USD 0.9800
Potential Return Rate: 0.16% (around 0.32% p.a.)
Minimum Return Rate: 0.015% (around 0.03% p.a.)
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Scenario within the Observation Period
At any time during Observation Period Total Return
1. AUD market moves to Investor’s anticipation
The Final Exchange Rate of AUD/USD is 0.9900(i.e. above or equal to the Trigger Level)

Guaranteed Principal x (1+ Potential Return Rate)

= HKD 100,000 x (1+0.16%)

= HKD 100,160.00

2. AUD market moves against Investor’s anticipation
The Final Exchange Rate of AUD/USD is 0.9500(i.e. below the Trigger Level)

Guaranteed Principal x (1+ Minimum Return Rate)

= HKD 100,000 x (1+0.015%)

= HKD 100,015.00

3. Insolvent / Defaults on its obligations Assuming that the Bank becomes insolvent during the tenor of this product or defaults on its obligations under this product, you can only claim as its unsecured creditor. You may get nothing back and suffer a total loss of your investment amount.
Remark:
1. Assuming HKD is investor's home currency.
European Bullish/Bearish - Potential Coupon
The Bank pre-sets the Trigger Level
Investor chooses a bullish or bearish view on different currencies
During the Deposit Period, the exchange rate of the Underlying Currency Pair is compared with the Trigger Level to determine the return at each Coupon Determination Date
Apart from receiving the Principle and Interest Return on Maturity Date, Investors are also entitled to Potential / Minimum Return per period.
Your View: Expect the exchange rate of AUD/USD will rise from 0.6900 to 0.7500 or above during the Deposit Period
Type of Investment:
European Bullish on AUD (AUD/USD) with Potential Multi-Coupon
Principal Guarantee %: 100%
Deposit Currency: HKD
Guaranteed Principal: HKD 100,000
Deposit Period: 2 years
Trigger Level:
AUD/USD 0.7500
Potential Coupon Rate (if any): 
0.25% per period (Approximately equal to 1% p.a.)
Minimum Return Rate (if any): 0.01% per period (Approximately equal to 0.04% p.a.)
Coupon Distribution Frequency:
Quarterly
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Scenario within the Observation Period
At any time during Observation Period on each Coupon Distribution Date Total Return
1. Best Case The Coupon Fixing Rate of AUD/USD rises to at or above the Trigger Level (i.e. at or above 0.7500)on all 1st to 8th Coupon Determination Date

Coupon amount on each Coupon Distribution Date:  Guaranteed Principal x Potential Return Rate

= HKD100,000 x 0.25%

= HKD250

 

Total Returns:

Guaranteed Principal + (Coupon amount at each Periods)

= HKD100,000 + (250 x 8)

= HKD102,000 

2. Middle-Of-The-Road

Worst Periods

The Coupon Fixing Rate of AUD/USD stays below the trigger level (i.e. below 0.7500)on 1st to 4th Coupon Determination Dates.

 

- Best Periods

The Coupon Fixing Rate rises to at or above the trigger level (i.e. at or above 0.7500) on 5th to 8th Coupon Determination Dates. 

Coupon amount on each Coupon Distribution Date:

Worst Periods

= Guaranteed Principal x Minimum Return Rate

= HKD100,000 x 0.01%

= HKD10

Best Periods

= Guaranteed Principal x Potential Return Rate

= HKD100,000 x 0.25%

= HKD250

 

Total Returns:

Guaranteed Principal + (Coupon amount at each Periods)

= HKD100,000 + (10 x 4 + 250 x 4)

= HKD101,040 

3. Worst Case The Coupon Fixing Rate stays below the Trigger Level (i.e below 0.7500) on all 1st to 8th Coupon Determination Dates.

Coupon amount on each Coupon Distribution Date:

Guaranteed Principal x Minimum Return Rate

= HKD100,000 x 0.01%

= HKD10

 

Total Returns:

Guaranteed Principal + (Coupon amount at each Periods)

= HKD100,000 + (10 x 8)

= HKD100,080 

4. Insolvent / Defaults on its obligations Assuming that the Bank becomes insolvent during the tenor of this product or defaults on its obligations under this product, you can only claim as its unsecured creditor. You may get nothing back and suffer a total loss of your investment amount.
Remark:
1. Assuming HKD is investor's home currency.
American Range
The Bank pre-sets the Trading Range and Observation Period
During the whole Observation Period, if Exchange Rate of the Underlying Currency Pair is within the Trading Range, Investor could enjoy the higher potential return at maturity
Your View: Expects the exchange rate of AUD/USD will stay above 0.9850, but below 1.1150 during the Deposit Period
Type of Investment:
American Range (AUD/USD)
Principal Guarantee %: 100%
Deposit Currency: HKD
Guaranteed Principal: HKD 100,000
Deposit Period: 6 months
Trading Range:
AUD/USD 0.9850 (“Lower Barrier”) to 1.1150 (“Upper Barrier”) (excluding both barriers)
Potential Return Rate: 0.16% (around 0.32% p.a.)
Minimum Return Rate: 0.015% (around 0.03% p.a.)
file
Scenario within the Observation Period
At any time during Observation Period Total Return
1. AUD market moves to Investor’s anticipation
The Exchange Rate of AUD/USD stays within the Trading Range (i.e. above 0.9850, but below 1.1150) 

Guaranteed Principal x (1+ Potential Return Rate)

= HKD100,000 x (1+0.16%)

= HKD100,160.00

2. AUD market moves against Investor’s anticipation
The Exchange Rate of AUD/USD is at / below the Lower Barrier or at / above the Upper Barrier (i.e. at / below 0.9850 or at / above 1.1150) 

Guaranteed Principal x (1+ Minimum Return Rate)

= HKD100,000 x (1+0.015%)

= HKD100,015.00

3. Insolvent / Defaults on its obligations Assuming that the Bank becomes insolvent during the tenor of this product or defaults on its obligations under this product, you can only claim as its unsecured creditor. You may get nothing back and suffer a total loss of your investment amount.
Remark:
1. Assuming HKD is investor's home currency.
European Range
The Bank pre-sets the Trading Range and Observation Period
On the Final Exchange Rate Determination Date, if Final Exchange Rate of the Underlying Currency Pair is within the Trading Range, Investor could obtain the higher potential return at maturity
Your View: Expects the Exchange Rate of AUD/USD will be above 1.0250, but below 1.0750 after the Deposit Period
Type of Investment:
European Range (AUD/USD)
Principal Guarantee %: 100%
Deposit Currency: HKD
Guaranteed Principal: HKD 100,000
Deposit Period: 6 months
Trading Range:
AUD/USD 1.0250 (“Lower Barrier”) to 1.0750 (“Upper Barrier”) (excluding both barriers)
Potential Return Rate: 0.16% (around 0.32% p.a.)
Minimum Return Rate: 0.015% (around 0.03% p.a.)
file
Scenario within the Observation Period
At any time during Observation Period Total Return
1. AUD market moves to Investor’s anticipation
The Final Exchange Rate of AUD/USD is within the Trading Range (i.e. above 1.0250, but below 1.0750)

Guaranteed Principal x (1+ Potential Return Rate)

= HKD 100,000 x (1+0.16%)

= HKD 100,160.00

2. AUD market moves against Investor’s anticipation
The Final Exchange Rate of AUD/USD is at / below the Lower Barrier or at / above the Upper Barrier (i.e. at / below 1.0250 or at / above 1.0750)

Guaranteed Principal x (1+ Minimum Return Rate)

= HKD 100,000 x (1+0.015%)

= HKD 100,015.00

3. Insolvent / Defaults on its obligations Assuming that the Bank becomes insolvent during the tenor of this product or defaults on its obligations under this product, you can only claim as its unsecured creditor. You may get nothing back and suffer a total loss of your investment amount.
Remark:
1. Assuming HKD is investor's home currency.
European Range - Potential Coupon
The Bank pre-sets the Trading Range and Observation Period
On each Coupon Determination Date, if the Exchange Rate of the Underlying Currency Pair is within the Trading Range, Investor could obtain the higher potential return at Coupon Distribution Date
Apart from receiving the Principle and Interest Return on Maturity Date, Investors are also entitled to Potential / Minimum Return per period.
Your View: Expect the exchange rate of AUD/USD will stay above 0.5900, but below 0.7500 during the Deposit Period
Type of Investment:
European Range (AUD/USD) with Potential Multi-Coupon
Principal Guarantee %: 100% (if held to maturity)
Deposit Currency: HKD
Guaranteed Principal: HKD 100,000
Deposit Period: 2 years
Trading Range:
AUD/USD 0.5900 ("Lower Barrier") to 0.7500 ("Upper Barrier") (excluding both barriers)
Potential Return Rate: 0.25% per period (Approximately equal to 1% p.a.)
Minimum Return Rate: 0.01% per period (Approximately equal to 0.04% p.a.)
Coupon Distribution Frquency: Quarterly
file
Scenario within the Observation Period
On each Coupon Distribution Date Total Return
1. Best Case The Coupon Fixing Rate of AUD/USD stays within the Trading Range (i.e. above 0.5900 but below 0.7500) on all 1st to 8th Coupon Determination Dates.

Coupon amount on each Coupon Distribution Date:

Guaranteed Principal x Potential Return Rate

= HKD100,000 x 0.25%

= HKD250

 

Total Returns:

Guaranteed Principal + (Coupon amount at each Periods)

= HKD100,000 + (250 x 8)

= HKD102,000 

2. Middle-Of-The-Road

Best Periods

The Coupon Fixing Rate of AUD/USD stays within the Trading Range (i.e. above 0.5900 but below 0.7500) on 1st to 4th Coupon Determination Dates.

 

- Worst Periods

The Coupon Fixing Rate either drops to at or below the Lower Barrier or rises to at or above the Upper Barrier (i.e. at or below 0.5900 or at or above 0.7500) on 5th to 8th Coupon Determination Dates.

Coupon amount on each Coupon Distribution Date :

Best Periods

= Guaranteed Principal x Potential Return Rate

= HKD100,000 x 0.25%

= HKD250

Worst Periods

= Guaranteed Principal x Minimum Return Rate

= HKD100,000 x 0.01%

= HKD10

 

Total Returns:

Guaranteed Principal + (Coupon amount at each Periods)

= HKD100,000 + (250 x 4 + 10 x 4)

= HKD101,040 

3. Worst Case The Coupon Fixing Rate drops to at or below the Lower Barrier or rises to at or above the Upper Barrier (i.e. at or below 0.5900 or at or above 0.7500) on all 1st to 8th Coupon Determination Dates.

Coupon amount on each Coupon Distribution Date:

Guaranteed Principal x Minimum Return Rate

= HKD100,000 x 0.01%

= HKD10

 

Total Returns:

Guaranteed Principal + (Coupon amount at each Periods)

= HKD100,000 + (10 x 8)

= HKD100,080 

4. Insolvent / Defaults on its obligations Assuming that the Bank becomes insolvent during the tenor of this product or defaults on its obligations under this product, you can only claim as its unsecured creditor. You may get nothing back and suffer a total loss of your investment amount.
Remark:
1. Assuming HKD is investor's home currency.
Subscription Demo
Trading Channels and Hours
Related Documents
Subscription Demo
See how to start your investment on CPI.
Personal e-Banking Customer Business e-Banking Customer
Trading Channels and Hours
Where and When can we trade?
Branch and e-Banking:
Monday to Friday: 10:00am - 4:30pm
Related Documents
What other information should you read?
Important Facts Statement Terms and Conditions

 

 

Risk Disclosure

Not a time deposit: Currency-Linked Capital Protected Investment Deposit is NOT equivalent to, nor should it be treated as a substitute for, time deposit. It is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong.
Derivatives risk: Currency-Linked Capital Protected Investment Deposit is embedded with FX options. Option transactions involve risks, even when buying an option. The option’s value might become worthless if the market moves against your expectation.
Limited potential gain: The maximum potential gain is limited to the pre-agreed Return/Coupon calculated at the Potential Return/Coupon Rate. 
Not the same as buying the Underlying Currency Pair: Investing in Currency-Linked Capital Protected Investment Deposit is not the same as buying the Underlying Currency Pair directly.
Market risk: The investment return of Currency-Linked Capital Protected Investment Deposit is linked to the exchange rate of the Underlying Currency Pair. Movements in exchange rates can be unpredictable, sudden and drastic, and affected by complex political and economic factors.
Liquidity risk: Currency-Linked Capital Protected Investment Deposit is designed to be held till maturity. The Bank may at its absolute discretion refuse to consent to any withdrawal/termination request before maturity.
Credit risk of the Bank: Currency-Linked Capital Protected Investment Deposit is not secured by any collateral. When you invest in Currency-Linked Capital Protected Investment Deposit, you will be relying on the Bank’s creditworthiness. If the Bank becomes insolvent or defaults on its obligations under a Currency-Linked Capital Protected Investment Deposit, you can only claim as an unsecured creditor of the Bank. In the worst case, you could suffer a total loss of your investment amount.
Currency risk: Exchange rate fluctuates and sometimes drastically. If the Deposit Currency used for investment is not the home currency customarily used by you and thus conversion is required, you should note that you may make a gain or suffer a loss due to exchange rate fluctuations. When the deposit currency depreciates, the loss from depreciation may set-off or even exceed the Return/Coupon (if any) that you may receive from investing in the Currency-Linked Capital Protected Investment Deposit.
Risk of adjustments or early termination by the Bank: Certain terms and conditions (including some of the key dates) of Currency-Linked Capital Protected Investment Deposit can be adjusted by the Bank, this might have a negative impact on the Return/Coupon (if any) of the Currency-Linked Capital Protected Investment Deposit.
Concentration Risks: You should avoid excessive investment (in terms of its proportion of the overall portfolio) in any single type of investment, so as to avoid the investment portfolio being over-exposed to any particular investment risk.
Return/Coupon of Currency-Linked Capital Protected Investment Deposit: In order to provide capital protection, the investment strategy adopted for Currency-Linked Capital Protected Investment Deposit may lead to a dilution of performance when compared to non-capital protected products investing in similar markets. You should be prepared to take the risks of earning a lower Return/Coupon (if any) on the capital invested and losing the interest that might otherwise earned on money invested by way of deposits. For Currency-Linked Capital Protected Investment Deposit (with potential multi-coupon), periodic Coupon may be payable to you. For other types of Currency-Linked Capital Protected Investment Deposit, no periodic Return/Coupon will be payable to you prior to maturity.
Principal protection at maturity only: You should understand that the Principal of the Currency-Linked Capital Protected Investment Deposit is capital-protected only when it is held to maturity. If the Bank allows you to early withdraw/terminate the Currency-Linked Capital Protected Investment Deposit with written consent, the amount received by you upon early withdrawal/termination may be less than the amount initially invested by you.
Market Risks associated with Potential Return/Coupon: Apart from the Return/Coupon calculated at the Minimum Return/Coupon Rate (which may be set at zero), there is no guarantee of any Return/Coupon calculated at the Potential Return/Coupon Rate. For Currency-Linked Capital Protected Investment Deposit (with potential multi-coupon), Coupon (if any) is payable only if the Currency-Linked Capital Protected Investment Deposit is held till the relevant Coupon Distribution Dates. Return/Coupon (if any) of Currency-Linked Capital Protected Investment Deposit depends on the market conditions at the time of the relevant determination. Investment return on foreign exchange-linked products are dependent on the prices of inter-banks’ transactions on the linked exchange rate in the foreign exchange markets. You should be fully aware of the risks relating to fluctuations in the linked exchange rates. Factors affecting the performance of foreign exchange markets are numerous, including but are not limited to changes in global and local investment sentiments, interest rate policies, fund flows, political environment, economic environment, business and social conditions in the local marketplace. If the market trend is different from the view taken by you, there is an inherent risk that the total investment return that you may receive from Currency-Linked Capital Protected Investment Deposit will be less than the interest that would have been payable on a time deposit for the same tenor. There is also an inherent risk that no Return/Coupon calculated at the Potential Return/Coupon Rate will be payable to you in respect of the Currency-Linked Capital Protected Investment Deposit.
Early Withdrawal/Termination Risks: Early withdrawal/termination by you is not allowed for Currency-Linked Capital Protected Investment Deposit and the capital of you will be invested in the Currency-Linked Capital Protected Investment Deposit for the entire investment period. The Bank may at its absolute discretion refuse to give consent to any early withdrawal/termination request. If the Bank allows you to early withdraw/terminate the Currency-Linked Capital Protected Investment Deposit with written consent, the Bank shall be entitled to deduct from the Principal of the relevant Currency-Linked Capital Protected Investment Deposit and/or any other amount which may have accrued to you any expenses, costs or damages to the Bank. Damages may include any costs, expenses, liability or losses to the Bank as a result of the early withdrawal/termination by you. Therefore, there is no guarantee that you will be able to receive the Principal and the amount payable to you at early withdrawal/termination may be less than the Principal initially invested. Besides, if the Currency-Linked Capital Protected Investment Deposit is early withdrawn/terminated, you will no longer be entitled to any Return/Coupon of the Currency-Linked Capital Protected Investment Deposit.
Risks associated with unsuccessful subscriptions of Currency-Linked Capital Protected Investment Deposit: The Bank reserves the absolute right to approve any application and to decline any application received (whether in whole or any part thereof) before the Deposit Start Date. In the event of non-acceptance, a notification will be sent by the Bank and any subscription funds received will be returned to you after the Deposit Start Date or as soon as practicable.
Risks relating to Renminbi: If Currency-Linked Capital Protected Investment Deposit involves CNY, the relevant exchange rate(s) or level(s) of the relevant currency pair will be quoted in offshore Renminbi against alternate currency. While both onshore Renminbi and offshore Renminbi are the same currency, they are traded in different and separate markets operating under different regulations and independent liquidity pool. Onshore Renminbi and offshore Renminbi are currently quoted in different markets with different exchange rates, whereby their exchange rate movements may not be in the same direction or magnitude. The offshore Renminbi exchange rate may deviate significantly from the onshore Renminbi exchange rate. You should also note that Renminbi is currently not freely convertible, the value of Renminbi against other foreign currencies fluctuates and will be affected by, amongst other things, the PRC government’s control (for example, the PRC government regulates conversion between Renminbi and foreign currencies), which may adversely affect your investment return under the Currency-Linked Capital Protected Investment Deposit when you convert CNY into your home currency. Renminbi is subject to foreign exchange control by the PRC government and thus investors investing in Currency-Linked Investment Deposit involving Renminbi are subject to the currency risk of Renminbi.
Declaration and Remarks
These pages are not intended to provide or regard as legal or taxation advice, or investment recommendations.
Investors should consult their own tax advisers on relevant tax arrangements.
The liabilities of the Bank in respect of the Currency-Linked Capital Protected Investment Deposit are limited exclusively to an office of the Bank in Hong Kong and instructions in respect of the Currency-Linked Capital Protected Investment Deposit may only be made to, and acted upon by, such office. Any amount relating to the Currency-Linked Capital Protected Investment Deposit is payable exclusively by an office of the Bank in Hong Kong and in its stated currency. The Terms and Conditions of the Currency-Linked Capital Protected Investment Deposit are governed by, and shall be construed in accordance with, the laws of Hong Kong.
Investors may contact our staff if investors have any feedback or complaint in relation to our services or call our hotline at 2998 9898. We will respond to investors within a reasonable period of time normally not exceeding 30 days in general circumstances. Investors may contact the Hong Kong Monetary Authority at 55th Floor Two International Finance Centre, 8 Finance Street, Central, Hong Kong if investors are not satisfied with our handling of their complaint.
Hang Seng Bank Limited is a Registered Licensed Bank under the Banking Ordinance.
All Currency-Linked Capital Protected Investment Deposit cannot be cancelled after subscription.