Managing My Wealth Anytime Across All Digital Platforms Suits My Style
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: 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
    Provides you with real time stock quotes, together with tailored investment analysis. Embrace a trading experience that is more personalized and convenient than ever.
HKD and Foreign Currency Time Deposit
  • Foreign currency exchange rate discount
  • Preferential time deposit annual interest rate for HKD and foreign currency
Hang Seng MPOWER Card2
  • Both Principal Card and Supplementary Card (if applicable) customers can enjoy perpetual Annual Fee Waiver
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
  • Handling fee waiver
  • Loan amount up to HK$3,000,000 or 15 times of customers’ monthly salary(whichever is lower)
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 Balance5 Requirement
Life Insurance plan6 / Investment account with holding7 / Auto-payroll service through Preferred Banking Account8 HKD20,000
Mortgage-Link Loan Scheme9 HKD50,000


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

Apply Now

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!