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    Prestige Private: banking products and privileges

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    Banking products and privileges

    An array of exclusive privileges are offered to Prestige Private customers, acting in concert with the comprehensive suite of wealth management solutions and banking services, to fit every of your needs.

    Apply now

    Want to know more about Prestige Private?

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    Wealth management solutions

    Bonds

    We have a wide variety of bonds available for selection. Bonds are issued by governments, local quasi governmental bodies, supranational entities and corporations. They are available in all major currencies, including Renminbi.

    Investment funds

    We offer a wide range of products managed by professional fund managers from various fund houses. They cover different asset classes, market segments and risk tolerance levels.

    Forex

    We support any pairs among 10 currencies: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, RMB and USD. We also provide real time market news and commentary.

    Securities Service

    You can conduct online trading of HK stocks, A-shares and US stocks in one Hang Seng securities account. Embrace a trading experience that is more convenient than ever.

    Comprehensive Medical Protection

    To give you peace of mind, Hang Seng Bank Limited (‘Hang Seng Bank’) and Bupa (Asia) Limited (‘Bupa’) jointly offer Global Infinite Health Insurance Scheme (‘Global Infinite’). Global Infinite is an insurance plan suitable for someone requiring exceptional international health cover and guidance on health and wellbeing. Learn more about our Insurance & MPF services

    Retirement Planning

    Hang Seng Insurance Company offers a range of insurance products to help you plan for a carefree retirement life. With flexible payment terms and various policy currencies options, you can enjoy a fruitful life in retirement. Learn more about our Insurance & MPF services

    Legacy Planning

    Having worked hard to accumulate the fruits of your success, no doubt you wish to maintain this quality of life for your heirs. We offer you a customised legacy plan that provides comprehensive protection to your loved ones and future generations.

    We offer different financing solutions to bring you extra liquidity with a variety of products and flexible repayment method, including mortgage, secured overdraft and personal loan.

    Time Deposit

    We offer HKD and other 11 other foreign currencies. You can enjoy preferential time deposit rates designed to help grow your wealth.

    Transfer and Payment Services

    Settle your bill and payment by Faster Payment System (FPS), Personal e-Banking or Direct Debit Authorisation to suit your specific daily needs.

    Banking product privileges

    HK Stocks Offer

    • A 0.2% brokerage fee offer for trading HK stocks via any of our automated securities trading channels[1]
       

    New securities customers[2]

    • 3-month unlimited $0 brokerage for trading HK stocks / A-shares / US stocks and up to HKD12,000 cash reward for deposit HK stocks
       

    Other securities offers[2]

    • Please click here to learn more details on new and existing securities customers’ offer details. 
    • Existing Investment Fund customers can enjoy[3] the below subscription fee.
    Bond Funds Other Funds Index Funds
    Net 1.5% Subscription Fee via any channels Net 1.8% Subscription Fee via any channels Net 1% Subscription Fee via online channels
    Insurance Plan Offer
    “eCancerPro Insurance Plan” or “eFamilyPro Life Insurance Plan” Successfully apply for the dedicated life insurance plan with promotion code during promotional period to enjoy premium waiver[4]
    • Please call our hotline at 2998 8038 for the plan details and obtaining dedicated promotion code
    • This plan is underwritten by Hang Seng Insurance Company Limited
    Other Designed Life Insurance Products Successfully apply designated life insurance product to enjoy first-year premium discount
    • Please visit hangseng.com/lifeinsurance for details
    Insurance Plan Offer
    Travelsure Protection Plan (Annual Global Cover)

    Successfully apply for the Travelsure Protection Plan (Annual Global Cover) with designated promotion code during promotional period[5] to enjoy:

    • 30% first-year premium discount
    • HKD150 e-Gift voucher
    Travelsure Protection Plan (Annual China Cover)

    Successfully apply for the Travelsure Protection Plan (Annual China Cover) with designated promotion code during promotional period[5] to enjoy:

    • 20% first-year premium discount
    • HKD100 e-Gift voucher
    Home Care Plus Home Insurance Plan

    Successfully apply for the Home Care Plus Home Insurance Plan with designated promotion code during promotional period[5] to enjoy:

    • 20% first-year premium discount
    • HKD400 e-Gift voucher
    • Please call our hotline at (852) 2998 9888 for the details and obtaining dedicated promotion code. The above general insurance plan is underwritten by Chubb Insurance Hong Kong Limited.

    Enjoy preferential interest rates for Time Deposit in designated tenor and amount of new fund balance[6]

    Exchange designated currency and set up a time deposit at the same time to enjoy:

    • 1-month time deposit rate up to 6.9%[7]
    • 1-week time deposit rate up to 13.9%[7]
    • Enjoy Mortgage priority approval
    • Enjoy mortgage handling fee waivers during loan life, including Prepayment Handling Fee after the designated prepayment period, Change of Loan Terms Handling Fee and Change of Loan Scheme Fee

    Please click here to learn more details. 

    Perpetual fee waiver

    Handling fee waiver

    • Auto Sweeping Service[8]
    • Foreign currency notes exchange
    • Purchase of Gift Cheques
    • Outward Remittance[9]
    • Setting up & amendment of Standing Instruction
    • Setting up Direct Debit Authorisation
    • Cheque book(s) delivery by courier services

    Please refer to Fees Waived for Hang Seng Prestige Private customers for details.

    Handling fee offers

    • Issuance of Cashier’s Orders
    • Coins changing

    Benefits at a glance

    Contact us

    Call us

    Prestige Private 24-hour Manned Hotline

    (852) 2998 8022

    Visit our branches

    Find your nearest branch

    Footnote

    Risk disclosure and other point(s) to note

    1. Important Risk Warning of Bond and Certificate of Deposit Product
      • Bonds and Certificates of Deposit (CDs) are investment products. The investment decision is yours but you should not invest in a bond/CD unless the intermediary who sells it to you has explained to you that the bond/CD is suitable to you having regard to your financial situation, investment experience and investment objectives. Your intermediary is under a duty to assure that you understand the nature and risks of this product, and that you have sufficient net worth to be able to assume the risks and bear the potential losses of trading in this product.
      • Bonds are not deposits and should not be treated as substitute for conventional time deposits.
      • Certificate of Deposit is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
      • Investors who purchase bonds/CDs are exposed to the credit risk of the issuer and guarantor (if any) of the bonds/CDs. There is no assurance of protection against a default by the issuer/guarantor in respect of the repayment obligations. In the worst case scenario, any failure by the issuer and the guarantor (if any) to perform their respective obligations under the bonds/CDs when due may result in a total loss of all of your investment.
      • Renminbi (RMB) is not a freely convertible currency. As such, investors trading bonds and/or CDs denominated in RMB are subject to additional risks (such as currency risk).
      • The above is not an exhaustive list of risk factors. Please refer to the section on “Risk Factors” in the relevant “Bond / Certificate of Deposit Trading Services” Factsheet to understand other risk factors applicable to bonds and CDs.
      • The information displayed does not constitute nor is it intended to be construed as any professional advice, offer, solicitation or recommendation to deal in Bonds / CDs. Investors should be aware that all investments involve risks (including the possibility of loss of the capital invested). The prices of Bonds and CDs may go up as well as down and past performance is not indicative of future performance. Investors should not only base on this information alone to make investment decisions, and should carefully consider whether an investment is suitable for them in view of their own investment objectives, investment experience, investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should read the relevant product offering documents and terms and conditions (including the full text of the risk factors therein) in detail before making any investment decisions. Investors should obtain independent professional advice if they have concerns about their investment.
      • No guarantee, representation, warranty or undertaking, express or implied, is made as to the fairness, accuracy, timeliness, completeness or correctness of any general financial and market information, news services and market analysis, projections and/or opinions (“Market Information”) provided above and the basis upon which any such Market Information have been made, and no liability or responsibility is accepted by the Bank in relation to the use of or reliance on any such Market Information whatsoever provided in the webinar.
      • Investors must make their own assessment of the relevance, accuracy and adequacy of the information provided and make such independent research/investigations as they may consider necessary or appropriate for the purpose of such assessment. The Bank does not make any representation or recommendation or assessment as to whether or not any of the investment(s) mentioned are suitable or applicable to any persons and thus shall not be held responsible in this regard.
    2. Investment funds
      • Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment.
    3. Forex risk
      • Foreign currency risk
        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, and/or in the event that the customer converts a foreign currency time deposit to HKD upon maturity.
      • RMB currency risk
      • 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.
    4. Securities Trading Risk Disclosure
      • Investors should note that investment involves risks. The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.
      • Investors should note that investing in different Renminbi-denominated securities and products involves different risks (including but are not limited to currency risk, exchange rate risk, credit risk of issuer / counterparty, interest rate risk, liquidity risk (where appropriate)). The key risks of investing in securities via the Stock Connect Northbound Trading include:
        • Once the respective quota is used up, trading will be affected or will be suspended.
        • Stock Connect Northbound Trading will only operate on days when both markets are open for trading and when banks in both markets are open on the corresponding settlement days. Investors should take note of the days the Stock Connect Northbound Trading is open for business and decide according to their own risk tolerance whether or not to take on the risk of price fluctuations in securities during the time when Stock Connect Northbound Trading is not trading.
        • When a security is recalled from the scope of eligible securities for trading via Stock Connect Northbound Trading, that security can only be sold but NOT bought.
        • Investors will be exposed to currency risk if conversion of the local currency into RMB is required.
      • Foreign securities carry additional risks not generally associated with securities in the domestic market. The value or income (if any) of foreign securities may be more volatile and could be adversely affected by changes in many factors. Client assets received or held by the licensed or registered person outside Hong Kong are subject to the applicable laws and regulations of the relevant overseas jurisdiction which may be different from the Securities and Futures Ordinance (Cap.571) and the rules made thereunder. Consequently, such client assets may not enjoy the same protection as that conferred on client assets received or held in Hong Kong.
      • Investors should not only base on this material alone to make any investment decision, but should read in detail in the relevant risk disclosure statements.
    5. Foreign Currency Time Deposit risk
      • Foreign Currency Risk: 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, and/or in the event that the customer converts a foreign currency time deposit to HKD upon maturity.
      • RMB currency risk
        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
    6. Insurance products
      • Life Insurance Plans are underwritten by Hang Seng Insurance Company Limited. Hang Seng Insurance Company Limited is authorized and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank Limited ("Hang Seng Bank") is an insurance agent authorized by Hang Seng Insurance Company Limited and the insurance products are products of Hang Seng Insurance Company Limited but not Hang Seng Bank. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and you out of the selling process or processing of the related insurance product transaction, Hang Seng Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance Company Limited and you directly.
      • The health insurance schemes are underwritten by Bupa (Asia) Limited ("Bupa") which is authorized and regulated by the Insurance Authority in Hong Kong. Hang Seng Bank Limited (“Hang Seng Bank”)  is an insurance agent authorised by Bupa for the exclusive distribution of the above schemes. Subscription will be payable to Bupa upon enrolment in the above schemes. Bupa will provide Hang Seng Bank with the relevant commission and performance bonus in accordance with the selling of the above schemes. The existing sales staff remuneration policy offered by Hang Seng Bank would take into account various aspects of the staff performance but not solely the sales amount. HealthPro Concierge Service is provided by Bupa. In respect of an eligible dispute arising between the Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contract terms or performance (claims and service) of the product should be resolved directly between Bupa and the customer.
      • The above general insurance plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited ("Chubb") which is authorised and regulated in Hong Kong SAR by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. Hang Seng Bank Limited ("Hang Seng Bank") is registered as an insurance agency by the Insurance Authority (License No.: FA3168) and authorised by Chubb for distribution of this Plan. This Plan is a product of Chubb and not Hang Seng Bank. Upon application to this Plan, insurance premium will be payable to Chubb, and Chubb will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the insurance product, underwriting, claims and policy service should be resolved directly between Chubb and the customer. The above information is intended to be a general summary for reference only. Please refer to the policy wording for exact terms, conditions, details of the exclusions and relevant product risks.
    7. Mortgage
      • The loan amount and terms of the loan are subject to final approval of Hang Seng Bank Limited (“Hang Seng”).
      • Hang Seng reserves the right to suspend, revise or terminate the above offer and amend the above terms and conditions at any time. In case of any disputes, the decision of Hang Seng shall be final and conclusive. For details of the offer, please contact Hang Seng’s staff.
    8. Secured Overdraft
      • All asset types must be approved by Hang Seng Bank Limited (“the Bank”). The Available Secured Overdraft Limit should be adjusted according to the market value of the assets and the relevant loan ratios from time to time.
      • Hang Seng reserves the right to terminate or vary the offers and the approval of the Secured Overdraft Facility and the related terms and conditions from time to time. For enquiries or full details of the related terms and conditions, please contact us.
    9. Please read Hang Seng Prestige Private Terms and Conditions.
    10. Hang Seng has never authorised any intermediaries for local account openings. While opening your Hang Seng personal account, please don't share your information with third parties, or engage with any intermediaries. Contact our branch in case of any queries.

    Remark(s)

    Unless otherwise specified, the promotion period of the offers mentioned in this marketing material is valid until 30 June 2024. This document by itself is not and should not be considered as an offer, recommendation or solicitation to deal in any of the investment products or services mentioned herein. Hang Seng Bank Limited (the “Bank”) reserves the right to suspend, vary or terminate the offers and to amend their terms and conditions at any time without prior notice. The life insurance plans mentioned above are underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”) which is authorized and regulated by the Insurance Authority of the HKSAR. The Bank is an insurance agent authorized by Hang Seng Insurance.

    1. The offer will be effective from the 7th trading day in the next calendar month after customers joining / upgrading to Prestige Private successfully or the 7th trading day in the next calendar month of securities account opening day (whichever is Later). Terms and conditions apply.
    2. Terms and Conditions apply. For details, please visit hangseng.com/stockoffer.
    3. The promotion period of Designated Investment Fund Subscription Fee Offer is from 1 January 2024 to 31 December 2024. Investment involves risk. Terms and conditions apply. For details, please contact our branch staff or visit hangseng.com/invfund.
    4. Terms and conditions apply, please note the relevant product and credit risks.
    5. The promotion period is from 1 January 2024 to 31 March 2024. Terms and conditions apply to promotion offer and insurance plan. Please note the relevant product risks. The above general insurance plan is underwritten by Chubb Insurance Hong Kong Limited. Please call our hotline at (852) 2998 9888 for the details and obtaining dedicated promotion code. For the Terms and Conditions of the promotion offer, please visit hangseng.com/gi1.
    6. Please refer to promotion page for the calculation of new fund balance. Terms and Conditions apply. For details, please visit hangseng.com/depositspromo5.
    7. The promotion period of this offer is from 2 April 2024 to 29 June 2024. For exchange of designated currencies and set up of 1-week / 1-month time deposit at the same time with designated transaction amount. The above interest rate offers are quoted with reference to the interest rates offered by the Bank on 2 April 2024 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions. Terms and conditions apply. Visit hangseng.com/forexoffer for more details.
    8. If the customer's HKD Current Account is overdrawn or the line of credit is exceeded (subject to a daily total overdraft / excess amount of HKD20,000 or below), the required funds will be transferred automatically on the next business day from his / her HKD Savings Account under his / her Prestige Account to his / her HKD Current Account. This service is free of charge. If the customer does not wish to enjoy this service, he/she should call (852)2998 8022 or visit any of our branches to request for cancellation of the service.
    9. Prestige Private / Prestige Banking customer enjoys fee waiver for a remittance via Integrated Account of Prestige Private / Prestige Banking by Personal e-Banking to mainland China or Macau SAR. Prestige Private / Prestige Banking customer enjoys a privileged charge HKD230 for the non-domicile currency remittance conducted via Integrated Account of Prestige Private / Prestige Banking through Hang Seng branch to an account with a bank in any location apart from Hong Kong SAR / mainland China / Taiwan / Macau SAR.

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