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    Prestige Banking

    Prestige Financial Products

    We have a broad selection of products for you to harness opportunities and enhance wealth in a financial universe with more possibilities.

     
      • 1.Risk Disclosure of Investment Fund:
        • Investors should note that 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 information presented is not indicative of future performance. Investors should read the relevant fund’s offering documents (including the full text of the risk factors stated therein (in particular those associated with investments in emerging markets for funds investing in emerging markets)) in detail before making any investment decision.
        • If you have any doubt on this material or any offering documentation, you should seek independent professional advice.
        2.The Service is provided by Hang Seng Bank Limited (the “Bank”) and enables customers to use the advance made by the Bank to apply for subscription of units in another fund (the “New Fund”) before redemption proceeds from the original fund (the “Original Fund”) are deposited into their accounts, regardless of whether the New Fund and the Original Fund are managed by the same fund house, and to allow customers to repay the advanced amount with the redemption proceeds thereafter. Customers should be aware that they may have to provide separate moneys to repay all/part of the advanced amount made by the Bank to the customers for subscription for the New Fund, to bear the redemption fee (if applicable) for the redemption of the Original Fund, and to pay interest and other charge(s) charged by the Bank in certain circumstances. The Service is available to the Investment Fund Account (under the account number suffix of 382) under the Prestige Banking, Preferred Banking and Integrated Account. Customers have to apply for redemption of a fund with redemption proceeds (estimated by the Bank based on the latest available unit price of that fund) of not less than HKD100,000 (or any other amount as specified by the Bank from time to time) in one single transaction. And for any single fund subscription application via the Advanced Switching Service subscribed through Hang Seng Personal e-Banking, the maximum subscription amount is HKD4,000,000 (or any other amount as specified by the Bank from time to time). The Service does not apply to capital guaranteed funds, fund units with no subscription fees (e.g. Class B Units), funds with a dealing frequency that is not daily, hedge funds or other fund transactions as specified by the Bank from time to time. Funds in respect of which the Service is available may be changed from time to time without prior notice. Customers must read the full version of the Terms and Conditions stated in the application form for the Service before applying therefor. By using the Service, customers are deemed to have accepted the full version of the Terms and Conditions for the Service and will be bound by them. Copies of the Terms and Conditions for the Service are available at branches of the Bank and can be downloaded from the website of the Bank.
        3.Risk Disclosure of Structured Products:
        • This is structured product involving derivatives. The investment decision is yours but you should not invest in the structure product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investors should read the relevant Important Facts Statement, Terms and Conditions and risk disclosure statement before making any investment decision.
        4.Risk Disclosure of MaxiInterest Investment Deposit:
        • This is a structured product involving derivatives. The investment decision is yours but you should not invest in the MaxiInterest Investment Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investors should read the relevant Important Facts Statement, Terms and Conditions and risk disclosure statement before making any investment decision.
        • Investors should note that this product is not capital protected and is not normal time deposit, and thus should not be considered as normal time deposit or its alternative.
        • Earnings on this product are limited to the nominal interest payable. As the principal and the earning will be paid in the Deposit Currency or the Linked Currency, whichever has depreciated against the other, investors will have to bear the potential losses due to currency depreciation, which may be substantial. If the product is withdrawn before maturity, investors will also have to bear the costs involved. Such losses and costs may reduce the earnings and the principal amount of this product. Investors should seek professional advice when necessary. The relevant Terms and Conditions of this product are available upon request to the staff of Hang Seng Bank Limited (the "Bank").
        • This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
        • Investment in this product is subject to the credit risk of the Bank.
        5.Risk Disclosure of Capital Protected Investment Deposit:
        • This is a structured product involving derivatives. The investment decision is yours but you should not invest in the Capital Protected Investment Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investor should read the Important Facts Statement of the relevant investment type, the relevant term sheet, Terms and Conditions and risk disclosure statement before making any investment decision.
        • Investor should note that this product is not normal time deposit and thus should not be considered as normal time deposit or its alternative.
        • Earnings on this product are limited to the nominal interest payable. As the principal and the earning will be paid in the Deposit Currency or the Linked Currency, whichever has depreciated against the other, investors will have to bear the potential losses due to currency depreciation, which may be substantial. If the product is withdrawn before maturity, investors will also have to bear the costs involved. Such losses and costs may reduce the earnings and the principal amount of this product. Investors should seek professional advice when necessary. The relevant Terms and Conditions of this product are available upon request to the staff of Hang Seng Bank Limited (the "Bank").
        • This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
        • Investment in this product is subject to the credit risk of the Bank.
        6.Risk Disclosure for Equity Linked Structured Products:
        • Equity Linked Structured Products involve derivatives. The investment decision is yours but you should not invest in an Equity Linked Structured Product unless the intermediary who sells it to you has explained to you that the Equity Linked Structured Product is suitable for you having regard to your financial situation, investment experience and investment objectives. Equity Linked Structured Product is a Complex Product and you should exercise caution in relation to this product.
        • The market value of the Equity Linked Structured Products may fluctuate and investors may sustain a total loss of their investment. Prospective investors should therefore ensure that they understand the nature of the Equity Linked Structured Products and carefully study the risk factors set out in the offering documents for the Equity Linked Structured Products and, where necessary, seek independent professional advice, before they decide whether to invest in equity linked investments. If you purchase the Equity Linked Structured Products, you are relying upon the creditworthiness of the Issuer of Equity Linked Structured Products.
        • Liquidity risk - Equity Linked Structured Products are designed to be held to its maturity. You may not be able to sell your investment in the Equity Linked Structured Products before maturity. If you try to sell the Equity Linked Structured Products before expiry, the amount you receive may be substantially less than the investment amount you paid for the Equity Linked Structured Products.
        • Credit risk of the Equity Linked Structured Products issuer - Equity Linked Structured Products constitute general unsecured and unsubordinated contractual obligations of the issuer. When you buy Equity Linked Structured Products, you will be relying on the creditworthiness of the Equity Linked Structured Products issuer and of no other person. You have no rights under the terms and conditions of Equity Linked Structured Products against any issuer of any linked stock. If the relevant Equity Linked Structured Products issuer becomes insolvent or default on its obligations under the Equity Linked Structured Products, in the worst case scenario, you could lose all of your investment.
        • Not the same as investing in linked stock - Investing in Equity Linked Structured Products is not the same as investing in the linked stock(s). Changes in the market price or level of any linked stock(s) may not lead to a corresponding change in the market value of, or your potential gain or loss under, the Equity Linked Structured Products.
        7.Risk Disclosure of Securities Trading:
        • Securities Service
        - Investment involves risks and the prices of securities may go up or down and may even become valueless. Investors should read the relevant Risk Disclosure Statement and relevant documents before making any investment decision.
        - 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 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 A-shares of Stock Connect Northbound Trading include:
        (i) Transactions under the Northbound or Southbound Trading of Shanghai-Hong Kong Stock Connect/Shenzhen-Hong Kong Stock Connect will not be covered by the Investor Compensation Fund in Hong Kong.
        (ii) Once the respective quota is used up, trading will be affected or will be suspended.
        (iii) 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.
        (iv) When some stocks are recalled from the scope of eligible stocks for trading via Stock Connect Northbound Trading, the stocks can only be sold but NOT bought.
        (v) Investors will be exposed to currency risk if conversion of the local currency into RMB is required.
        8.Share Margin Services
        • The prices of securities fluctuate, sometimes dramatically. Margin trading in securities involves significant risk and losses may exceed the value of your collateral. Contingent orders may not necessarily limit losses as market conditions may make it impossible to execute contingent orders. Additional margin deposits may be required at short notice. Your collateral may be liquidated without your consent and you will remain liable for any resulting deficit in your account. You should therefore carefully consider whether margin trading in securities is suitable for you in light of your own financial position and investment objectives. It is as likely that losses will be incurred rather than profit made as a result of dealing in securities.
        9.Risk Disclosure of FX and Precious Metal Trading:
        • The risk of loss in leveraged foreign exchange and precious metal trading can be substantial. You may sustain losses in excess of your initial margin funds. Placing contingent orders, such as “stop-loss” or “stop-limit” orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position may be liquidated. You will remain liable for any resulting deficit in your Account. You should therefore carefully consider whether FX and precious metal margin trading is suitable for you in light of your own financial position and investment objectives.
        10.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.
        11.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.
        Investment involves risks. The above risk disclosure cannot disclose all the risks involved. You should read and understand all the relevant documents and risk disclosure (in particular, the Risk Disclosure Statement contained in the relevant application form) before making any investment decision. The contents of this document have not been reviewed by any regulatory authority in Hong Kong. You are advised to exercise caution in relation to this document. If you are uncertain of or do not understand the nature of and the risks involved in leveraged foreign exchange and precious metal trading, you should seek independent professional advice.
        Investors should note that investing in different Renminbi 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)).

    Join Now

    Upon joining Prestige Banking, you will receive a wealth of welcome privileges and enjoy designated grace period for fund-in without below balance monthly fee1.

    Welcome to make the prestigious advantages yours!

    New to Hang Seng?

    Open via mobile now i

    Apply at branch?

    Book now iii

    Not an Integrated Account holder?

    Open via mobile now ii

    Got an Integrated Account?

    Upgrade now

    i. 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.
    ii. Customer must hold at least one Hang Seng Bank account (including passbook and statement savings accounts) and must be aged over 18 and under 65 residing and locating in Hong Kong.
    iii. 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.

      • Monthly Fee
        Customers can enjoy monthly fee waiver for Prestige Banking if the Total Relationship Balance2 of previous month is at HKD1,000,000 or above. If the Total Relationship Balance of previous month is below HKD1,000,000 or HKD500,000, monthly fee for Prestige Banking of HKD40 or HKD340 will be applied respectively. If an auto-payroll service is set up through Prestige account, a monthly fee waiver will also be entitled with Total Relationship Balance of HKD500,000 or its equivalent3.
        (1)Details please refer to the latest welcome offers.
        (2)The Total Relationship Balance is the monthly aggregate balance of the daily average of all deposits, gold accounts, securities, investment funds, utilised overdraft facilities, credit cards cash advances, outstanding balance of personal loans and accumulated premiums paid for the designated life insurance plans distributed by Hang Seng Bank as an agent as well as Hang Seng MPF balance. For sole name integrated account holders, their other joint name account(s) will also be included.
        (3)Please inform your employer to use your Prestige Banking account as your auto-payroll account. As a valid auto-payroll account, integrated account must have auto-payroll transactions for at least two months within the three months period prior to the monthly fee collection date. The monthly fee waiver is applicable to customers who have payroll transactions in HKD only. Please contact our branch staff for offer details and relevant terms and conditions. This offer is subject to change without further notice.
        Hang Seng Bank Limited (the “Bank”) reserves the right to suspend, vary or discontinue any offers and services at anytime without further notice. The Bank also reserves the right to revise any interest rates, fees and charges from time to time subject to the Bank’s notice for any such variation. In case of dispute, the decision of the Bank shall be final.
    To borrow or not to borrow? Borrow only if you can repay!