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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

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Starting from 1 August 2019, there is no below balance fee for Preferred Banking. 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:

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*Customer must not hold any accounts or products with Hang Seng Bank and must be a permanent resident aged over 18 and under 65 residing and locating in Hong Kong.
^It is only applicable to customers who access it from within Hong Kong. If you have needs in managing wealth across the border, please make an appointment with us.

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.

 

Foreign Exchange involves Exchange Rate Risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts HKD to foreign currency or vice versa.

 

Renminbi ("RMB") is subject to exchange rate risk. Fluctuation in the exchange rate of RMB may result in losses in the event that the customer subsequently converts RMB into another currency (including Hong Kong Dollars). Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. RMB is currently not freely convertible and conversion of RMB may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.

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