General Terms and Conditions of Investment Funds Account Opening Reward (the “Promotion”):

  1. The promotion period is from 1 July 2025 to 30 September 2025, both days inclusive (the "Promotion Period").
  2. The Promotion is applicable to the first 3,000 New Investment Funds Account (Account suffix 382) of Prestige Private and/or Prestige Banking customers of Hang Seng Bank Limited (the “Bank”) who did not have a Investment Funds Account on or before 30 June 2025, but successfully open Investment Funds Account (Account suffix 382) during the Promotion Period whilst holding a valid Risk Profiling Questionnaire record with risk tolerance level between 1 and 5 (“Eligible Customers”).
  3. During the Promotion Period, each Eligible Customer, who successfully opens Investment Funds Account, is entitled to free fund units with value of up to HKD100 (the “Reward”).
  4. The following are the free funds and the respective product risk levels. The Bank will randomly draw one of the following funds as the Reward.
    Fund Code Fund Name Product Risk Level
    U45194 HSBC GLOBAL MONEY FUNDS - HONG KONG DOLLAR (CLASS C-ACC) 1
    U45242 HSBC GIF -ULTRA SHORT DURATION BOND CLASS PM2 (HKD MONTHLY DISTRIBUTION-CASH) 1
    U45302 HSBC GIF - GLOBAL SHORT DURATION BOND CLASS AM2 (HKD MONTHLY DISTRIBUTION-CASH) 1
    U45543 HANG SENG CMS BLOOMBERG US TREASURY 1-3 YEAR INDEX ETF UNLISTED CLASS A (HKD MONTHLY INC-CASH) 1
    U45605 FRANKLIN GLOBAL LOW VOLATILITY BOND FUND CLASS A SHARES (HKD MDIS-CASH) 1

    Note: The above fund list and the respective product risk level above is as of 1 July 2025. In case the product risk level of any fund listed above is revised as of 30 September 2025, such fund will not be used for drawing as the Reward.

  5. The unit price of the fund units to be rewarded will be based on the unit price on one of the dealing dates on or before 31 December 2025 (the “Pricing Date”) as solely determined by the Bank. The Bank will subscribe for the fund units for the Eligible Customer on the Pricing Date. Eligible Customer can check the exact number of fund units rewarded at his/her Investment Funds Account afterwards. The exact number of fund units rewarded will also be shown in the Investment Funds Account’s relevant monthly statement.
  6. Please refer to Hang Seng Personal Mobile App > Investments > Investment Funds > Assisted search for the Factsheet and Offering Documents of individual fund.
  7. The Bank will deposit the fund units rewarded via a subscription transaction to the Investment Funds Account of the Eligible Customer on or before 31 December 2025.
  8. The fund units received by the Eligible Customer do not represent any investment advice, or recommendation from the Bank to deal in any of the securities or investments. Investment involves risks. There can be no guarantee, and no representation is made, on the performance of the fund units or as to whether losses would be incurred/profit would be made from the fund units. Eligible Customer must make investment decisions in light of his/her own investment objectives, investment experience, financial situation or other needs, and where necessary consult his/her own professional advisers before making any investment decisions.
  9. Completion time of the Investment Funds Account opening is subject to the Bank's record. The Bank will determine the eligibility of the Reward based on the record held by the Bank. In case of any disputes, the Bank’s record shall be final and conclusive.
  10. On or before 31 December 2025, a MMS notifying Eligible Customers of the fund units details will be sent by the Bank. All relevant accounts and the Risk Profiling Questionnaire record of the Eligible Customer must remain valid and Eligible Customers must maintain a minimum Total Relationship Balance ("TRB") of at least HKD 1, until the fund units are deposited into their relevant account. (TRB 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.)
  11. The Bank reserves the right to substitute the fund units with other reward at any time without prior notice. The value or nature of the substitute reward may differ from the fund units provided in the Promotion.
  12. The Promotion is considered on a "per-Eligible Customer basis". In case the relevant account is a joint-named account, only the primary account holder can enjoy the Promotion.
  13. Unless otherwise specified, the Promotion is not applicable to Business Banking and Private Banking customers of the Bank, and cannot be used in conjunction with other offer(s) of the Bank.
  14. 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.
  15. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
  16. These Terms and Conditions are subject to prevailing regulatory requirements.
  17. For more details of the Promotion, please contact the Bank’s staff. The Promotion is offered 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.
  18. 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 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.