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

(or its equivalent in other currencies)

Premium waiver
in the first policy year
(in percentage / no. of months)

 PrimeLife Deferred Annuity Life Insurance Plan

HK$120,000 or above


Treasure Life ll Insurance Plan

MediCash Lifetime Insurance Plan

 PreciousLife Critical Illness Life Insurance Plan

EmbraceLife Insurance Plan

HK$40,000 or above



MaxiAnnuity Life Insurance Plan

FutureEnrich Life Insurance Plan

SavourLife ll (RMB) Annuity Life Insurance Plan


HarvestLife (RMB) Life Insurance Plan


PreciousWay Education Life Insurance Plan

HK$120,000 or above


Time Deposit

  • Preferential time deposit interest rate for HKD and other currencies

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 HKD3,000,000 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


Learn More

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.

Welcome to make the prestigious advantages yours!


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