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    Invest diversified investment products flexibly online

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    Enjoy coupon at 0.5% to 6.5% p.a. where no new funds required

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    A Fresh Look at the Warrants and CBBCs SuperMart

    Selected charts and capital flow insights significantly enhance screening efficiency.

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    New Upgrades on Investment Funds Service

    Search funds by stock/ bond/ ETF name or code to view related holdings / exposures and weightings.

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    Simply Series

    SimplyStock

    Designed for securities investors aged 18 to 30
    • Only HKD30 monthly fee, you can enjoy fee waiver for HKD300,000 securities trading amount each month
    • No monthly fee will be charged on your holdings if there are no securities transactions during the month, no hidden charges
    • Available via online channels – Hang Seng Invest Express, Hang Seng Mobile App, and Personal e-Banking
    Invest online
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    SimplyFund

    Product risk level
    Product risk level
    1
    2
    3
    4
    5
    • Online invest from HKD1
    • Explore various funds from world-class, renowned fund houses
    • As low as $0 monthly fee[2]
    • Subscription channels: Hang Seng Mobile App, Personal e-Banking
    • Online subscription hours: 24 hours[3]
    Invest online
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    FX2 - FX & Precious Metal Trading Services

    Product risk level
    Product risk level
    3
    • Online invest from 1 lot size
    • Currency: HKD, CNY, USD, AUD, CAD, CHF, EUR, GBP, JPY, NZD and Gold (XAU)
    • Subscription channels: Hang Seng Mobile App, Personal e-Banking
    • Online subscription hours: Mon 6:00 a.m. to Sat 3:30 a.m.
    Invest online
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    Monthly Investment Plan for Funds

    Product risk level
    Product risk level
    1
    2
    3
    4
    5
    • Online invest from HKD500
    • Explore various funds from world-class, renowned fund houses
    • Monthly fee: subject to Offering Document[2]
    • Subscription channels: Personal e-Banking, branches
    • Online subscription hours: 24 hours[3]
    Invest online
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    Monthly Investment Plan for Stocks

    Monthly investment plan smooth out the effects of short-term market fluctuations
    • Monthly-contribution as low as HKD1,000
    • Over 100 listed local stocks and ETFs for your choice
    • Dollar cost averaging
    Invest online
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    Capital Protected Investment (CPI) Deposit

    Product risk level
    Product risk level
    1
    • Online invest from HKD5,000
    • Potential return (p.a.): 0.4% to 4.0%
    • Investment tenor: 1 month up
    • Currency: HKD, USD, CNY, AUD, CAD, EUR, GBP, NZD
    • Subscription channels: Hang Seng Mobile App, Personal e-Banking, branches
    • Online subscription hours: 10:00 a.m. to 6:00 a.m. the next day
    Invest online
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    Structured Notes (Capital Protected)

    Product risk level
    Product risk level
    1
    2
    • Online invest from HKD100,000
    • Potential return (p.a.): 2.89% to 5.54%
    • Investment tenor: 1 year up
    • Currency: HKD, CNY, USD, AUD, CAD, EUR, GBP, NZD
    • Subscription channels: Hang Seng Mobile App, branches
    • Online subscription hours: 9:30 a.m. to 5:30 p.m. from Mon to Fri
    Invest online
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    Local Securities

    Wide choice of trading channels & various order types
    • Hang Seng Invest Express mobile app: Trade stocks across 3 markets with 1 App and access personalised investment insights and analysis
    • Share margin services
    • Instant order confirmation
    • Warrants & CBBCs SuperMart
    Invest online
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    US Securities

    Trade US securities online anytime anywhere
    • Unlimited free real-time US stocks quotes
    • Submit Substitute Form W-8BEN via Hang Seng Invest Express
    • Comprehensive US stocks market data
    • One-click to provide US market news translation
    Invest online
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    Monthly Investment Plan for Stocks

    Monthly investment plan smooth out the effects of short-term market fluctuations
    • Monthly-contribution as low as HKD1,000
    • Over 100 listed local stocks and ETFs for your choice
    • Dollar cost averaging
    Invest online
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    SimplyStock

    Designed for securities investors aged 18 to 30
    • Only HKD30 monthly fee, you can enjoy fee waiver for HKD300,000 securities trading amount each month
    • No monthly fee will be charged on your holdings if there are no securities transactions during the month, no hidden charges
    • Available via online channels – Hang Seng Invest Express, Hang Seng Mobile App, and Personal e-Banking
    Invest online
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    Stock Connect

    Northbound Trading Service for Stock Connect Securities Trading
    • Through Shanghai Stock Connect and Shenzhen Stock Connect
    • Trade eligible securities listed in SSE / SZSE
    Invest online
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    IPO Stocks Subscription

    Subscription through Hang Seng at ease
    • IPO financing services available
    • IPO subscription allotment result notification service
    • Check the IPO subscription status and cancel IPO subscription online
    Subscribe IPO
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    Investment Funds

    Product risk level
    Product risk level
    1
    2
    3
    4
    5
    • Online invest from HKD5,000
    • Explore over 200 funds from 20+ world-class, renowned fund houses​
    • Monthly fee: subject to Offering Document[2]
    • Subscription channels: Hang Seng Mobile App, Personal e-Banking, branches
    • Online subscription hours: 24 hours[3]
    Invest online
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    SimplyFund

    Product risk level
    Product risk level
    1
    2
    3
    4
    5
    • Online invest from HKD1
    • Explore various funds from world-class, renowned fund houses
    • As low as $0 monthly fee[2]
    • Subscription channels: Hang Seng Mobile App, Personal e-Banking
    • Online subscription hours: 24 hours[3]
    Invest online
    Learn more

    Monthly Investment Plan for Funds

    Product risk level
    Product risk level
    1
    2
    3
    4
    5
    • Online invest from HKD500
    • Explore various funds from world-class, renowned fund houses
    • Monthly fee: subject to Offering Document[2]
    • Subscription channels: Personal e-Banking, branches
    • Online subscription hours: 24 hours[3]
    Invest online
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    Investment Financing

    Product risk level
    Product risk level
    4
    5
    • Required account status: Prestige or Prestige Private​
    • Loan currency: HKD​
    • Interest rate: as low as P-1.75% p.a.[4]
    • Over hundreds of eligible HKD investment funds for selection, with subscription, redemption and normal switching available​
    • Account opening channels: Hang Seng Mobile App, branches​
    • Trading channels: branches​
    Learn more

    Capital Protected Investment (CPI) Deposit

    Product risk level
    Product risk level
    1
    • Online invest from HKD5,000
    • Potential return (p.a.): 0.4% to 4.0%
    • Investment tenor: 1 month up
    • Currency: HKD, USD, CNY, AUD, CAD, EUR, GBP, NZD
    • Subscription channels: Hang Seng Mobile App, Personal e-Banking, branches
    • Online subscription hours: 10:00 a.m. to 6:00 a.m. the next day
    Invest online
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    MaxiInterest Investment Deposit

    Product risk level
    Product risk level
    2
    • Online invest from HKD5,000
    • Potential return (p.a.): 3.0% to 16.0%
    • Investment tenor: 1 week up
    • Currency: HKD, USD, CNY, AUD, CAD, CHF, EUR, GBP, JPY, NZD
    • Subscription channels: Hang Seng Mobile App, Personal e-Banking, branches
    • Online subscription hours: 9:00 a.m. to 3:30 a.m. the next day from Mon to Fri
    Invest online
    Learn more

    FX2 - FX & Precious Metal Trading Services

    Product risk level
    Product risk level
    3
    • Online invest from 1 lot size
    • Currency: HKD, CNY, USD, AUD, CAD, CHF, EUR, GBP, JPY, NZD and Gold (XAU)
    • Subscription channels: Hang Seng Mobile App, Personal e-Banking
    • Online subscription hours: Mon 6:00 a.m. to Sat 3:30 a.m.
    Invest online
    Learn more

    FX & Precious Metal Margin Trading Services

    Product risk level
    Product risk level
    5
    • Online invest from 1 lot size, long & short positions with leverage ratio up to 15X
    • Currency: HKD, CNY, USD, AUD, CAD, CHF, EUR, GBP, JPY, NZD and Gold (XAU)
    • Subscription channels: Hang Seng Mobile App, Personal e-Banking
    • Online subscription hours: Mon 6:00 a.m. to Sat 3:30 a.m.
    Invest online
    Learn more

    Physical Gold

    • Various products available, including 99.99% Gold Bar, Gold Coin, Hang Seng Dragon Logo Gold Bar and Hang Seng God of Wealth Logo Gold Bar[5]
    • Narrow spread with no separate handling fees and charges
    • You can make an appointment online[6] or visit our designated branches to trade
    Book now
    View gold price

    Paper Gold

    • Buy/sell of paper gold units[7] without physical delivery of gold
    • The minimum transaction amount is 1 unit (i.e. 1 MACE)
    • Online trading available now in Mobile App
    • Trade via Hang Seng Mobile App, Personal e-Banking, Phone Banking or our branches
    • Online subscription hours: Mon 6:00 a.m. to Sat 3:29 a.m., Sat 8:00 a.m. to 12:54 p.m.
    Invest online
    Learn more

    IPO Bonds

    Product risk level
    Product risk level
    1
    • Subscribe for IPO bonds online 24/7 during subscription period
    • Check the IPO subscription status anytime
    • Provide IPO subscription allotment result notification service
    • Waive all subscription services/handling fees[8]
    Invest online
    Learn more

    Bonds

    Product risk level
    Product risk level
    1
    2
    3
    4
    5
    • Online invest from HKD500,000
    • Coupon rate: 0.5% to 6.5%
    • Investment tenor: 3 months up
    • Currency: HKD, CNY, USD, AUD, CAD, CHF, EUR, GBP, JPY, NZD
    • Subscription channels: Hang Seng Mobile App, Personal e-Banking, branches
    • Online subscription hours: 9:30 a.m. to 4:30 p.m. from Mon to Fri
    Invest online
    Learn more

    Certificates of Deposit (CDs)

    Product risk level
    Product risk level
    1
    2
    • Online invest from HKD10,000
    • Coupon rate: 1.0% to 3.1%
    • Investment tenor: 2 months up
    • Currency: HKD, CNY, USD, AUD
    • Subscription channels: Hang Seng Mobile App, Personal e-Banking, branches
    • Online subscription hours: 9:30 a.m. to 4:30 p.m. from Mon to Fri
    Invest online
    Learn more

    Structured Notes (Capital Protected)

    Product risk level
    Product risk level
    1
    2
    • Online invest from HKD100,000
    • Potential return (p.a.): 2.89% to 5.54%
    • Investment tenor: 1 year up
    • Currency: HKD, CNY, USD, AUD, CAD, EUR, GBP, NZD
    • Subscription channels: Hang Seng Mobile App, branches
    • Online subscription hours: 9:30 a.m. to 5:30 p.m. from Mon to Fri
    Invest online
    Learn more

    Equity Linked Investments

    Product risk level
    Product risk level
    1
    2
    3
    4
    5
    • Online invest from HKD80,000
    • Potential return (p.a.): 6% to 12.96%
    • Investment tenor: 2 months up
    • Currency: HKD, CNY, USD, AUD, EUR, GBP, JPY, NZD
    • Subscription channels: Hang Seng Mobile App, Personal e-Banking, branches
    • Online subscription hours: 9:00 a.m. to 3:30 p.m. from Mon to Fri (HK stocks linked); 9:00 a.m. to 5:00 p.m. from Mon to Fri (US stocks linked)
    Invest online
    Learn more

    The above annual interest rates are last refreshed on 08-Apr-2026 and for reference only.

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    Market information and insights

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    Warrants & CBBCs SuperMart

    Easily discover different bull/bear contracts and warrants

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    Fund performing sectors

    Check out the top/bottom performed sector for funds

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    Investment insights

    Stay ahead with the latest market trends to shape your strategies

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    Featured strategies: ETF Leveraged Products

    ETF leverage ratio >=2X and Leveraged ETF type

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    Featured strategies ETF Inverse Products

    Inverse ETF type

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    Featured strategies: Tech Giants

    Software and services sector and other screening criteria

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    User guide
    Hang Seng Invest Express: Looking for inspiration to pick stocks for investment?

    Hang Seng Invest Express: Looking for inspiration to pick stocks for investment?

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    SimplyFund Investment Fund Platform - Beginners Guide (Cantonese version)

    SimplyFund Investment Fund Platform -  Beginners Guide (Cantonese version)

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    Subscribe CPI via Hang Seng Mobile App (Cantonese version)

    Subscribe CPI via Hang Seng Mobile App (Cantonese version)

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    Easy ways to invest in Bonds and CDs (Cantonese version)

    Easy ways to invest in Bonds and CDs (Cantonese version)

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    Subscribe Structured Notes via Hang Seng Mobile App (Cantonese version)

    Subscribe Structured Notes via Hang Seng Mobile App (Cantonese version)

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    Leverage to magnify your investment power

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    Get insights on how to allocate your assets and diversify your investments

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    Invest in products with dividends to earn income in a volatile market

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    Want to know the strategies of other like-minded investors?

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    3 reasons why index investing makes it easy for you to allocate assets (Cantonese version)

    3 reasons why index investing makes it easy for you to allocate assets (Cantonese version)

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    "Passive" vs. "Active" Analysing ETF Investment Advantages! (Cantonese version)

    "Passive" vs. "Active" Analysing ETF Investment Advantages! (Cantonese version)

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    Start learning core investment knowledge with ease

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    3 key features of MaxiIntererst Investment Deposit (Cantonese version)

    3 key features of MaxiIntererst Investment Deposit (Cantonese version)

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    3 key features of CPI (Cantonese version)

    3 key features of CPI (Cantonese version)

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    Bonds and CDs – features and mechanism (Cantonese version)

    Bonds and CDs – features and mechanism (Cantonese version)

     

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    Learn more about structured notes (Cantonese version)

    Learn more about structured notes (Cantonese version)

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    US Stocks & US ETF Beginner Guide

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    Footnote

    Other point(s) to note

    1. The above is a list of the types of investment products and services provided by the Bank for your information, and does not constitute nor is it intended to be construed as any offer, solicitation, or recommendation to deal in any investments. You should note that all investments involve risks (including the possibility of loss of the capital invested), prices or values of investments may go up as well as down and past performance is not indicative of future performance. The risk of loss in leveraged foreign exchange and precious metal trading can be substantial. You should read the relevant investment product or service’s offering documents and terms and conditions (including the risk disclosures therein) in detail before making any investment decision.
    2. The 'Latest Investment Products and Services' section shows a list of new investment products and services launched during the period of 6 January 2026 to 31 March 2026.
    3. You should note that all investment involves risks. Prices of securities may go up as well as down and may even become valueless. You shouldn't only base on this website alone to make any investment decisions, but should read in detail the relevant risk disclosure statements.
    4. Investment involves risks. The risk of loss in leveraged foreign exchange and precious metal trading can be substantial. Terms and Conditions apply to the services and offers.
    5. Investment involves risks. Prices of investment products may go up or down. Terms and Conditions apply to the service and offers.
    6. Investment involves risks. Terms and Conditions apply.
    7. Investment involves risks. Related funds are filtered by criteria in Hang Seng Fund SuperMart.
    8. Investment involves risks. Prices of foreign exchange and precious metal may go up or down.
    9. Investment involves risks. 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. You should read the relevant investment product or service’s offering documents and terms and conditions (including the risk disclosures therein) in detail before making any investment decision.
    10. Investments involve risks. This information is for general information and reference only, and doesn't constitute any professional advices, or investment recommendations.
    11. Investment involves risks. Gold price may go up or down and its past performance is not indicative of future performance. The risk of loss in gold trading can be substantial. The relevant product and related documents including risk disclosures should be read in detail before making any investment decision.
    12. Investment involves risks. The price of gold is volatile and the value of investment in paper gold schemes may go down as well as up. Paper gold schemes aren't principal protected and have the possible loss of principal invested. Paper gold schemes aren't equivalent to bank deposits and provides no yield nor interest. Investment in paper gold schemes isn't the same as investment in physical gold. Please refer to the relevant offering documents for further details including risk factors.
    13. Capital Protected Investment Deposit (CPI) / Certificates of Deposit (CDs) / MaxiInterest Investment Deposit are not equivalent to, nor should it be treated as a substitute for, time deposit. They are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong.
    14. Equity Linked Investments (ELI) / Structured notes involving derivatives are defined as complex products under the Guideline on Online Distribution and Advisory Platforms from the Securities and Futures Commission ("SFC"), you should exercise caution in relation to these products and seek independent professional advice when necessary before making investment decisions.
    15. 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.
    16. Investment involves risks. To borrow or not to borrow? Borrow only if you can repay! Financing transactions in investment products by collateral using leverage involves significant risk, and losses may exceed the value of your collateral and may affect your ability to repay the Facility. The higher your leverage is, the bigger your losses can be in adverse market conditions.

    Remark(s)

    1. Under Gold Master, there's a list of certain banking and investment products/services provided by Hang Seng which are gold related for your information and reference. It does not constitute nor is it intended to be construed as any investment advices, offers, solicitations or recommendations to deal in any investments. The products/services mentioned may not be suitable for all customers. No consideration has been given to the individual circumstances of any customers.
    2. For details please refer to: fee of "Lump Sum Fund Investment"/"Monthly Investment Plan for Funds" and fee of "SimplyFund".​
    3. Individual fund with its respective dealing cut-off and order placed after the cut-off will be processed in the next dealing day.​​
    4. Terms and Conditions of buy back of physical gold products
      • Customers selling back physical gold products must be accountholders of Hang Seng
      • When selling back physical gold products to us, you're required to present the original copy of the trading memo and/or purchase order issued by the Bank.
      • We reserve the right to inspect the physical gold product sold back by you. If the condition of the physical gold product has been changed, such as damaged or deformed, we reserve the right to refuse any buy back requests.
      • We shall have the sole and absolute discretion to make final determination regarding the buy back of physical gold products, including any relevant procedures and buy back price as applicable. The buy back price will be determined with reference to the condition of the relevant physical gold product and market prices, or the existence of any other conditions that need special consideration, such price may be lower than the price quoted by us for physical gold products under normal circumstances.
      • If you can't present the original copy of the trading memo and/or purchase order issued by us, or if the condition of the physical gold product has been changed, or if there are any other conditions that need special consideration, the relevant buy back can only be performed on Mon to Fri (except public holidays)
    5. You can now book an appointment online to buy physical gold products at designated branches. If you're unable to secure a slot, you can still visit our designated branches to enquire and trade the products (subject to availability).
      • Physical gold trading is exclusive to our personal customers only. Each personal account is limited to 1 booking at a time
      • Physical gold products available include 99.99% Gold Bar, Gold Coin, Hang Seng Dragon Logo Gold Bar and Hang Seng God of Wealth Logo Gold Bar. Please refer to the physical gold products we offer for details. We offer various physical gold products, subject to availability. Please visit our designated branches to learn more
      • Once your appointment is made, you'll receive confirmation email or SMS
      • The actual transaction price will be system record at the time of your transaction made at branch
      • A booking will be considered cancelled if you fail to arrive at the scheduled date and time
    6. Investment involves risks. The price of gold is volatile and the value of investment in paper gold schemes may go down as well as up. Paper gold schemes are not principal protected and have the possible loss of principal invested. Paper gold schemes are not equivalent to bank deposits and provides no yield nor interest. Investment in paper gold schemes is not the same as investment in physical gold. Please refer to the relevant offering documents for further details including risk factors.
    7. We'll waive service fees for subscription handling, custody (if the account only holds non-listed bonds (e.g. iBonds, Retail Green Bonds, Silver Bonds, Hong Kong Airport Authority Retail Bonds or Retail Infrastructure Bonds)), interest collection, maturity redemption, sale through over-the-counter (OTC) (refers to buying and selling securities outside of an official stock exchange), transfer-in (not through the Central Clearing and Settlement System) and transfer-out (not through the Central Clearing and Settlement System relating to the IPO bonds. Deposit charge for purchase order of IPO bonds through the Hong Kong Stock Exchange (HKEX) will also be waived by us. We reserve the right to suspend, vary or discontinue the above offers at any time without prior notice. In case of disputes, our decision will be final.