Illustrative Examples: Eligibility for the offer and the Cap eligible for this Offer (for reference only)

Scenario 1: Assuming that the customer has successfully executed an Eligible Investment Transaction in January 2026

Date Transaction Transaction Amount (HKD equivalent) Total Deposit Balance (HKD equivalent)
31 Dec 2025 N/A N/A $200,000
13 Jan 2026 Fund out to settle an HKD Eligible Investment Transaction -$100,000 $100,000
5 Feb 2026 Fund in HKD by cheque deposit +$100,000 $200,000
12 Feb 2026 Set up HKD Eligible Time Deposit by Eligible New Fund Balance
(Entire amount is Eligible New Fund Balance) 		$100,000 $200,000
13-28 Feb 2026 No transaction N/A $200,000

Is customer eligible for this offer?

Yes, the Eligible Customer has successfully set up the Eligible TMD with Eligible New Fund Balance during TMD Placement Period and the Eligible Customer’s closing Total Deposit Balance on Deposits Comparison Date is equal to the closing Total Deposit Balance on 31 Dec 2025.

Eligible Investment Transaction Month Total Deposit Balance on 31 Dec 2025 (A) Total Deposit Balance on Deposits Comparison Date (B) Incremental Amount (B) – (A)
Jan 2026 $200,000 $200,000
(Deposits Comparison Date is 28 Feb 2026) 		$0

What is the Cap to be eligible for the time deposits offer?

Eligible Investment Transaction Month TMD Placement Period
Jan 2026 Feb 2026
Jan 2026 The Cap for this Offer from 13 Jan to 28 Feb is $100,000 (Cap on Total Eligible Investment Transaction Amount of Jan 2026). Both the Total Eligible Investment Transaction Amount and the total Eligible Time Deposit amount during the TMD Placement Period are $100,000, so the entire amount is eligible for this Offer.

Scenario 2: Assuming that the customer has successfully executed an Eligible Investment Transaction in January and February 2026

Date Transaction Transaction Amount (HKD equivalent) Total Deposit Balance (HKD equivalent)
31 Dec 2025 N/A N/A $200,000
13 Jan 2026 Fund out to settle an USD Eligible Investment Transaction -$100,000 $100,000
13 Feb 2026 Fund out to settle an USD Eligible Investment Transaction -$90,000 $10,000
16 Feb 2026 Fund in HKD by FPS and set up HKD Eligible Time Deposit by Eligible New Fund Balance on the same day
(Entire amount is Eligible New Fund Balance) 		$150,000 $160,000
26 Feb 2026 Fund in HKD by FPS and set up HKD Eligible Time Deposit by Eligible New Fund Balance on the same day
(Entire amount is Eligible New Fund Balance) 		$50,000 $210,000
13 Mar 2026 Fund in from settlement of an Investment Funds transaction +$40,000 $250,000
14-31 Mar 2026 No transaction N/A $250,000

Is customer eligible for this offer?

Yes, the Eligible Customer has successfully set up the Eligible TMD with Eligible New Fund Balance during TMD Placement Period and the Eligible Customer’s closing Total Deposit Balance on Deposits Comparison Date is greater than the closing Total Deposit Balance on 31 Dec 2025.

Eligible Investment Transaction Month Total Deposit Balance on 31 Dec 2025 (A) Total Deposit Balance on Deposits Comparison Date (B) Incremental Amount (B) – (A)
Jan 2026 $200,000 $210,000
(Deposits Comparison Date is 28 Feb 2026) 		$10,000
Feb 2026 $200,000 $250,000
(Deposits Comparison Date is 31 Mar 2026) 		$50,000

What is the Cap to be eligible for the time deposits offer?

Eligible Investment Transaction Month TMD Placement Period
Jan 2026 Feb 2026 Mar 2026
Jan 2026 The Cap for this Offer from 13 Jan to 28 Feb is $100,000 (Cap on Total Eligible Investment Transaction Amount of Jan 2026) N/A
Feb 2026 N/A The Cap for this Offer from 13 Feb to 31 Mar is $90,000 (Cap on Total Eligible Investment Transaction Amount of Feb 2026)
Total Eligible Time Deposit amount during the TMD Placement Period are $200,000 ($150,000 + $50,000), of which the amount eligible for this offer is $190,000 (Cap on Total Eligible Investment Transaction Amount $100,000 + $90,000).

Remarks：

  1. The above illustration is taking HKD as example, and the same method is also applicable to USD when calculating the Cap for this Offer.
  2. FPS (Faster Payment System) is a real-time payment platform provided by Hong Kong Interbank Clearing Limited.