Join Preferred Banking to enjoy welcome rewards up to $2,000

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 1.2%
    - Bond Funds: net 1.5%
    - Other Funds: net 2.5%
  • Monthly Investment Plan for Funds:Successfully subscribe Monthly Investment Plan for Fund and enjoy 50% subscription fee offer
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
  • Hang Seng Invest Express Mobile App1
    With the new services of eIPO and IPO financing, you can now trade stocks and subscribe for IPOs with your mobile phone anytime and grasping every stock trading opportunity with one tap.
HKD and Foreign Currency Time Deposit2
  • Foreign currency exchange rate discount
  • Preferential time deposit annual interest rate for HKD and foreign currency
Hang Seng MPOWER Card3
  • Both Principal Card and Supplementary Card (if applicable) customers can enjoy perpetual Annual Fee Waiver
  • Enjoy up to 9% Cash Dollars rebate on Online, Mobile Payment and Overseas transactions#
# Promotion valid till 31 November 2020.
Secured Overdraft Facility4
  • Interest Rate P+1% p.a.
Unsecured Overdraft Facility5
  • Preferential interest rate
  • First year annual fee waiver and 50% discount of annual fee from the second year onwards
Personal Instalment Loan
  • Preferential interest rate
  • Handling fee waiver

Join Now

 

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:

Product Holdings Required Total Relationship Balance6 Requirement
Life Insurance plan7 / Investment account with holding8 / Auto-payroll service through Preferred Banking Account9 HKD20,000
Mortgage-Link Loan Scheme10 HKD50,000
Scan QR code to visit Hang Seng Personal Banking mobile app
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View details*


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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.

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