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Apply Now! Open a Preferred Banking account with relevant transactions to enjoy fabulous welcome offer. Please note that investment involves risks. Terms and conditions apply. You can refer to our branch staff or call our 24-hour Preferred Banking Manned hotline 2822 8228 for details.
My Privileges

Gain access to a range of exclusive benefits such as Wealth Management products and other services that are designed to suit your needs.

Banking Product Privileges

Investment Fund
  • Fund subscription fee for existing customers who have Investment Funds Account:
    - Index Funds: net 1%
    - Bond Funds: net 1.5%
    - Other Funds: net 2.5%
Securities Services
  • 500 free real-time quotes of HK Stocks and A shares respectively per month
  • Additional 500 free real-time quotes of HK Stocks / A shares per month for customer with respective HK Stocks / Stock Connect Northbound Securities holdings
Time Deposit and Foreign Currency Exchange
  • Preferential time deposit interest rate
  • Foreign currency exchange premium
Life Insurance
Life Insurance Plans Premium waiver in the first policy year ( in percentage / no. of months)
  • FutureEnrich Life Insurance Plan
  • PreciousWay Education Life Insurance Plan
  • SavourLife II Annuity Life Insurance Plan
  • SavourLife II (RMB) Annuity Life Insurance Plan
  • HarvestLife (RMB) Life Insurance Plan
  • For annualized premium of HKD55,000 or above (or its equivalent in other currencies): 0.5%
  • Treasure Life II Insurance Plan
  • MediCash Lifetime Insurance Plan
  • PreciousLife Critical Illness Life Insurance Plan
  • EmbraceLife Insurance Plan
  • For annualized premium of HKD25,000 or above (or its equivalent in other currencies): 4%


For details of other latest promotion offers, please contact our branch staff.

Hang Seng MPOWER Card
  • Successfully apply to enjoy up to 8 MCL Cinemas Movie Tickets (5 2D Movie Tickets and 1-year MCL CLUB PLUS Membership with 3 2D Movie Tickets)1
  • Extra $100 Cash Dollars2 for online application
Secured Overdraft Facility3
  • Interest Rate P+1% p.a.
Unsecured Overdraft Facility4
  • First year annual fee waiver and 50% discount of annual fee from the second year onwards
Personal Instalment Loan
  • Exclusive preferential interest rate offers and handing fee waiver
Join Now


Enjoy all the privileges and services offered by Preferred Banking for free by simply maintaining a Total Relationship Balance of HKD200,000 or hold the below products:<br><br>text text text text text text

Product Holdings Required Total Relationship Balance7 Requirement
Life Insurance plan8 / Investment account with holding9 / Auto-payroll service10 HKD20,000
Mortgage-Link Loan Scheme11 HKD50,000

Starting from 1 August 2019, we will review your account from time to time and in case your Total Relationship Balance is below HKD200,000 and do not hold the above products, you will not be charged below balance fee, however we may notify you in advance to convert your Preferred account to Integrated Account.


For new customers, you can visit our branches for opening a Preferred Banking account.
New Customer

Visit our branches

For existing customers, you can upgrade your account to Preferred Banking easily via Hang Seng Personal e-Banking.
Existing Customer

Upgrade Now


Important Notes

All investments involve risks (including the possibility of loss of the capital invested), prices of fund units may go up as well as down and past performance is not indicative of future performance.


The risks for funds which are index funds, including but not limited to, tracking error risk, concentration risk and risks associated with passive investments, etc.


The risks for funds which are bond funds, including but not limited to, the credit/ default risks of the issuers of the bonds in which the bond funds invest, interest rate risk and liquidity risk, etc. Investors should read the relevant fund’s offering documents (including the full text of the risk factors stated therein) in detail before making any investment decision.

To borrow or not to borrow? Borrow only if you can repay!