Terms & Conditions for subscription fee offer of Monthly Investment Plan for Fund (the Offer”):

  1. The promotion period is from 1 January 2024 to 31 December 2024, both dates inclusive (the "Promotion Period").
  2. The Offer is only applicable to Prestige Private, Prestige Banking, Preferred Banking and Integrated Account customers of Hang Seng Bank Limited (the “Bank") (“Eligible Customers”).
  3. Eligible Customers who successfully set up Hang Seng Monthly Investment Plans for Funds of any open-ended funds distributed by the Bank (the “Eligible Fund Plan”) via e-Banking during the promotion period, through the subsidiary funds account (under the account number suffix of 382) under Integrated Account (the “Eligible Account”), can enjoy the funds subscription fee offer.
  4. The subscription fee under the subscription fee offer of Monthly Investment Plan for Fund will be automatically applied in the system for Eligible Customers when they set up for Eligible Fund Plan. Please refer to the below table of specific subscription fees.
      Single Eligible Monthly Investment Plan for Fund
    Fund Type Regular Subscription Fee on monthly investment amount Subscription Fee Offer on the first HK$10,000 or equivalent monthly investment amount of the Eligible Fund Plan
    Index Funds 2% 1.5%
    Bond Funds 2% 1.5%
    Other Fund Types 3% 2%
  5. Each single Eligible Fund Plan can enjoy above funds subscription fee offer on the first HK$10,000 or equivalent monthly investment amount, any amount in excess of HK$10,000 or equivalent will be charged at the subscription fee under "Regular Subscription Fee".
  6. Each Eligible Account can set up unlimited number of Eligible Fund Plans to enjoy the Offer.
  7. Funds subscription fee offer will be applied to the monthly investment amount payments for the Eligible Fund Plan from February 2024 to January 2025 (if applicable).
  8. The Offer is only applicable to open-ended funds. For details, please visit fundlistHang Seng Bank website > Investments > Fund SuperMart > Monthly Investment Plan-Fund List
  9. The Offer is not applicable to Commercial Banking, Private Banking Account customers and staff account. The Offer cannot be used in conjunction with other offers for the same product(s) or service(s) of the Bank.
  10. No person other than the Eligible Customers 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 provisions of these terms and conditions.
  11. These terms and conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
  12. These terms and conditions are subject to prevailing regulatory requirements.
  13. For more details of the Offer, please contact the Bank’s staff. The Offer is provided by the Bank, which reserves the right to suspend, vary or terminate the Offer 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 Offer, which shall be binding on all the parties concerned.
  14. In case of any discrepancy between the English and the Chinese versions of these terms and conditions, the English version shall prevail.

About Earning Hang Seng Credit Card +Fun Dollars:

  1. Eligible Customers holding the relevant Monthly Investment Plan for Funds and the relevant credit card should be valid with good standing when the +Fun Dollars / yuu Reward Points are credited.
  2. Payment by Credit Card is only available to Eligible Customers who invest in subscription fee class (class A units) under the Monthly Investment Plan for Funds. Except Hang Seng Corporate Cards, Hang Seng Commercial Cards, Hang Seng UnionPay Renminbi Diamond Commercial Card, Renminbi Credit Cards, USD Visa Gold Cards, Hang Seng Spending Cards, e-shopping MasterCard and Private Label Cards, all Hang Seng Credit Cards are eligible for payment of the monthly investment amount.
  3. Hang Seng enJoy Visa Platinum Card and Hang Seng enJoy Spending Card are rewarded with yuu Reward Points. Please refer to enjoycard_tncHang Seng Bank website > Cards > Card Products > enJoy Card for Reward Points Programme detail.
  4. Use of +Fun Dollars / yuu Reward Points is subject to the terms and conditions of Hang Seng Credit Card Membership Rewards Programme. Use of yuu Reward Points is subject to the terms and conditions for Hang Seng enJoy Card Reward Point Programme. For details, please call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899.

Risk Disclosure of 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.

The risks for funds which are index funds include but not limited to:

  • Tracking error risk: There can be no assurance that the performance of the relevant fund will be identical to the performance of the relevant index. Factors such as the fees and expenses borne by the relevant fund, the time differences associated with portfolio re-balancing, the prices at which the constituent stocks of the relevant index are acquired or disposed by the relevant fund, the market condition at the relevant time of acquisition or disposal, the index-tracking strategies or financial derivative instruments used will affect the performance of such fund relative to the relevant index.
  • Passive investment risk: Fund manager does not have any discretion to select stocks individually or to take defensive positions in declining markets or changes in the composition of the index. Hence, any fall in the relevant index will result in corresponding fall in the value of the relevant fund. The composition of the relevant index may change and stocks currently comprising the relevant index may subsequently be delisted. Other stocks may also be added subsequently to become constituent stocks of the relevant index.
  • Concentration risk: The relevant fund may be concentrated in a single or particular sector(s)or single country/ region. The performance of the relevant fund could depend substantially on the performance of the relevant single or particular sector(s)/market(s) and the relevant fund is likely to be more volatile than a broad-based fund as it is more susceptible to adverse conditions in the relevant single or particular sector(s) / market (s). In seeking to reflect the weightings of constituent stocks of the relevant index, investments of the relevant fund may be concentrated in a single constituent stock or several constituent stocks. The performance of the relevant index and the fund may be significantly affected by the price fluctuation of one or several of the constituent stocks of the relevant index.

Risks associated with Distribution out of the Cash Dividend Fund’s Capital:

Payment of dividends out of capital amounts to a return or withdrawal of part of an investor’s original investment or from any capital gains attributable to that original investments. Any such distributions may result in an immediate reduction of the Net Asset Value per Unit.


Risks associated with Equity Market Fund:

The Fund's investment in equity securities is subject to general market risks, whose value may fluctuate due to various factors, such as changes in investment sentiment, political and economic conditions and issuer-specific factors.


The contents of this page have not been reviewed by the Securities and Futures Commission.