Hang Seng Bank

Terms and Conditions of Secondary Market Bonds Subscription Fee Rebate Offer

The promotion period is from 1 July 2026 to 30 September 2026, both dates inclusive (the "Promotion Period").
The Offer is applicable to Prestige Private and Prestige Banking personal customers of Hang Seng Bank Limited (the "Bank") who, according to the Bank’s record, did not subscribe Secondary Market Bonds from 1 July 2021 to 30 June 2026 ("Eligible Customers").

During the Promotion Period, Eligible Customers who successfully complete the first subscription of secondary market bond through the Bank's branches, Hang Seng Personal e-Banking, or Hang Seng Mobile App will enjoy an additional 6% bonus interest rate in the first month (the "Offer").

Integrated account of Eligible Customer	Designated Investment Product	Bonus Interest Rate (Calculated based on the transaction amount)	Calculation Period of Additional Interest	Maximum Additional Interest Amount
Prestige Private	Secondary market bonds	6%	1 month	HKD3,500
Prestige Banking	Secondary market bonds	6%	1 month	HKD2,500

The offer is calculated on a per-eligible customer basis. Each eligible customer can receive a maximum of HKD3,500/HKD2,500 in additional interest during the promotion period (depending on the eligible customer's investment amount and integrated account type).
The Bank will convert the relevant investment amount into Hong Kong dollars at the exchange rate determined by the Bank on the last dealing day of September 2026 to calculate the offer available to eligible customers.

Example of the calculation of the Bonus Interest offer is illustrated as follows :

Assuming the Eligible Customer is a Prestige Private customer and successfully subscribes to the following secondary market bond during the promotional period:	Bonus Interest Offer
Subscription date: 6 July 2026 Investment product: Secondary Market Bond A Investment period: 6 months Subscription amount: HKD700,000	Calculation period of additional Interest = 1 month (HKD700,000 x 6%) x 1/12 month = HKD3,500
Subscription date: 17 August 2026 Investment product: Secondary Market Bond B Investment period: 6 months Subscription amount: HKD100,000	Not eligible to the Offer due to not having the first bond subscription during the promotion period.
Based on the illustrative example calculation above, eligible customers may enjoy a discount of HKD3,500 under the illustrative example for this promotion. *The above illustrative example is for reference only, and this calculation should not be regarded as the actual discount amount.

The Bank will deposit the additional interest into the HKD settlement account of the Eligible Customer’s relevant Prestige Private/Prestige Banking/Family+ Account in Hong Kong dollars.
When the additional interest is deposited, Eligible Customers must still hold the relevant Prestige Private/Prestige Banking/Family+ Account; otherwise, Eligible Customers will not be able to enjoy this offer.
Unless otherwise specified, the Offer is not applicable to Commercial Banking, Private Banking customers of the Bank and cannot be used in conjunction with "Online Investment up to 8% p.a. Bonus Interest Rate Offer" and other offer(s) of the Bank. The higher reward will be offered to Eligible Customers.
No person other than the Eligible Customer and the Bank (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these Terms and Conditions.
These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
These Terms and Conditions are subject to prevailing regulatory requirements.
For more details of the Promotion, please contact the Bank's staff. The Promotion is provided by the Bank. The Bank reserves the right to suspend, vary or terminate the Promotion and to amend these Terms and Conditions at any time without prior notice. The Bank also reserves the right of final decision on all matters relating to the Promotion, which shall be binding on all parties concerned.
In case of any discrepancy between the English and the Chinese versions of these Terms and Conditions, the English version shall prevail.

Risk Disclosure of Bonds

Bonds are investment products. The investment decision is yours but you should not invest in a bond unless the intermediary who sells it to you has explained to you that the bond 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.
Bonds are not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
Bonds and CDs are not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
Investors who purchase bonds are exposed to the credit risk of the issuer and guarantor (if any) of the bonds. 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 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 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 Trading Services" Factsheet to understand other risk factors applicable to bonds.
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. Investors should be aware that all investments involve risks (including the possibility of loss of the capital invested). The prices of Bonds 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.