Please select
Exclusive Privileges in Recognition of Your Superior Status

In every facet of life, including banking , lifestyle pursuits and beyond, enjoy an array of fabulous rewards and benefits especially selected for you.

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%


  • 40% discount on securities custody fee
  • 50% discount on deposit charge for buy orders of local securities
  • 1,000 free real-time quotes of HK stocks and A shares per month respectively

Life Insurance

  • Enjoy premium waiver offer in the first policy year (in percentage) upon successful enrollment of the following life insurance plans and reaching designated annualized premium:

Life Insurance Plans Annualized Premium Premium waiver
in the first policy year
(in percentage / no. of months)

Life Insurance Plan

SavourLife II Annuity
Life Insurance Plan

SavourLife II (RMB)
Life Insurance Plan

HarvestLife (RMB)
Life Insurance Plan

Life Insurance Plan

Annualized Premium

HK$120,000 or above

(or its equivalent in other currencies)



Treasure Life II Insurance Plan

MediCash Lifetime Insurance Plan

PreciousLife Critical Illness Life
Insurance Plan


EmbraceLife Insurance Plan

Annualized Premium

HK$40,000 or above

(or its equivalent in other currencies)


Time Deposit and Foreign Currency Exchange

  • Preferential time deposit interest rate for HKD and other currencies and enjoy foreign exchange rate discount of up to 180bps for designated currencies and up to 400bps for JPY.

Secured Overdraft Facility1

  • Interest rate P-1.5% p.a.

Unsecured Overdraft Facility

  • Perpetual annual fee waiver
  • Preferential interest rate

Personal Instalment Loan

  • Higher loan amount of up to HKD2,500,000 or 15 times of monthly salary (whichever is lower) and preferential interest rate

Mortgage Service

  • Enjoy Prepayment Handling Fee waiver (HK$800) for the first partial repayment after the designated prepayment period


Join Now

Upon joining Prestige Banking, you will receive a wealth of welcome privileges and enjoy a 12-month monthly fee waiver1 with an opening Total Relationship Balance2 of as low as HKD500,000.

Apply now to make the prestigious advantages yours!

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