Hang Seng Preferred Banking Promotion (1 October – 31 December 2025) - Terms & Conditions

General Terms and Conditions

  1. Unless otherwise specified, the promotion period of Hang Seng Preferred Banking Promotion (“Promotion”) is from 1 October 2025 to 31 December 2025, both dates inclusive (“Promotion Period”).
  2. Unless otherwise specified, each eligible customer can only enjoy the offers under the Promotion (the “Offers”) once, and the Offers cannot be used in conjunction with other promotional offers of the same product offered by Hang Seng Bank Limited (the “Bank”) outside of this Promotion.
  3. From 1 October 2025 onwards, the Promotion cannot be enjoyed in conjunction with Preferred Banking and PayDay+ Offers Promotion (30 April – 3 August 2025) and PayDay+ and Preferred Banking Promotion (4 August – 30 September 2025). For the detailed Terms and Conditions of Preferred Banking and PayDay+ Offers Promotion (30 April – 3 August 2025), please click here. For the detailed Terms and Conditions of Preferred Banking and PayDay+ Offers Promotion (4 August – 30 September 2025), please click here.
  4. The Bank reserves the right to suspend, vary or terminate this Promotion and the related Offers and to amend these terms and conditions at any time without prior notice. The decision of the Bank on all matters relating to this Promotion and the related offers shall be final and binding on all the parties concerned.
  5. The relevant Offers are subject to the terms and conditions of the relevant products/services. If there is any inconsistency between the terms and conditions of the relevant products/services and these terms and conditions, these terms and conditions shall prevail.
  6. In case of any discrepancy between the English and the Chinese versions of these terms and conditions, the English version shall prevail.
  7. No person other than the 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.
  8. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
  9. These terms and conditions are subject to prevailing regulatory requirements (where applicable).

Preferred Banking Customer Eligibility and Promotion Details

  1. Unless otherwise specified, this Promotion is only applicable to personal customers who meet the account opening requirements and have newly opened/ upgraded to Integrated Account of Preferred Banking (“Preferred Banking”) at the Bank branches or through digital channels (including Hang Seng Personal Banking mobile app and Hang Seng Personal e-Banking) or phone banking hotline during the Promotion Period (the “Eligible Preferred Banking Customers”).
    The Eligible Preferred Banking Customers exclude:
    1. existing customers who are holding sole-named or joint-named Preferred Banking; or
    2. customers who have ever held any sole-named or joint-named Preferred Banking with the Bank in the previous 12 months prior to the account opening month; or
    3. customers whose accounts have been terminated in any period.
  2. “New Preferred Banking Customer(s)” refers to the Eligible Preferred Banking Customers who are not:
    1. existing customers who are holding any Hong Kong Dollars/Foreign Currency savings, current, time deposit accounts or any Integrated Accounts at the Bank (including Prestige Banking, Preferred Banking and any other Integrated Account) (the “Existing Customer(s)”), or
    2. customers who have ever held any of the above accounts with the Bank in the previous 12 months prior to the account opening month, or
    3. customers whose accounts mentioned above have been terminated in any period.
  3. “Upgrade Preferred Banking Customer(s)” refers to the Existing Customers, who are not:
    1. existing customers who are holding sole-named or joint-named Prestige Banking or Preferred Banking; or
    2. customers who have ever held any sole-named or joint-named Prestige Banking or Preferred Banking with the Bank in the previous 12 months prior to the account opening month; or
    3. customers whose accounts mentioned above have been terminated in any period.
  4. If a customer opens/ upgrades to more than one Preferred Banking during the Promotion Period (including the sole-named or joint-named Preferred Banking), entitlement to the offer will be based on the earliest account opening/ upgrading date and the corresponding Preferred Banking accordingly.
  5. In case the relevant Preferred Banking is a joint-named account, only the primary account holder can enjoy the Offers.
  6. The Offers are not applicable to commercial customers.
  7. In case of any disputes, the Bank’s records shall be final and conclusive.

Payroll Customer Eligibility and Promotion Details

  1. Unless otherwise specified, the Promotion for Offer 2, Offer 3, Offer 9, Offer 10, Offer 12, Offer 13 is applicable to personal customers who fulfil the following requirements:
    1. Set up / use PayDay+ payroll service via HKD Savings / HKD Current Accounts with the Bank (“Payroll Account”) during the Promotion Period and hold the “Eligible Payroll Record” every month until the end of the Promotion Period (“Eligible Payroll Customer”).
    2. “Eligible Payroll Record” refers to the employer crediting of HKD salary directly from the company account into the customer’s Payroll Account via autopay (which autopay must be specified to be for payroll purposes and must be recognized by the Bank’s system as such).
    3. The customer’s identity as an Eligible Payroll Customer will be updated in the Bank’s record on the 7th working day of the subsequent month after the Eligible Payroll Record is made. For the purposes of this Promotion, working day refers to Monday to Saturday (excluding public holidays).Any salary transferred on public holiday / after the cut-off time of the Bank will be processed on the next working day. If the next working day falls in the following month (M), the customer’s identity as an Eligible Payroll Customer will be updated in the Bank’s record on the 7th working day in the subsequent month (M+1). The Bank reserves the right of final decision should there be any dispute in the definition of “Eligible Payroll Record” or in the recognition of the customer’s identity as an “Eligible Payroll Customer”.
  2. Unless otherwise specified, if the Eligible Payroll Customer fails to maintain an Eligible Payroll Record with the Bank in each calendar month until the end of the Promotion Period, the Offers will be revoked. The Offers will not be reinstated in any circumstances once revoked.
  3. At the time the Offers are rewarded, the Eligible Payroll Customer must still maintain a valid Payroll Account or he/she shall be deemed to have forfeited the right to receive the relevant Offers absolutely at the Bank’s sole discretion and shall not be rewarded through any other channel.
  4. The Bank recommends Eligible Payroll Customers to maintain a valid mobile number and email address with the Bank for receiving subsequent notification related to the Promotion.
  5. Unless otherwise specified, the Promotion is not applicable to (i) the Bank’s Commercial Customers; and (ii) personal customers aged under 18.

Offers and Respective Terms and Conditions:


Preferred Banking Welcome Offers
  • New Preferred Banking Customers can enjoy up to HKD2,700 rewards (including +FUN Dollars and cash rebate in Hong Kong Dollars) by completing designated banking services and requirements of offer 1-7 during the promotion period.
  • Upgrade Preferred Banking customers can enjoy up to HKD2,700 rewards (including +FUN Dollars and cash rebate in Hong Kong Dollars) by completing designated banking services and requirements of offer 2-8 during the promotion period.
Offer Summary
Offer 1 HKD200 cash rebate upon account opening via mobile app with an initial fund-in of HKD1,000 through FPS or Payment Connect
Offer 2 Up to HKD1,700 cash rebate upon total relationship balance growth reward with designated banking services fulfilment
Offer 3 Up to $800 +FUN Dollars upon designated credit card application and fulfilled designated spending requirement
Designated credit card New Customers successfully apply designated credit card and fulfil spending requirement New Eligible Payroll Customer Total Rewards
Hang Seng Travel+ Visa Signature Card / Hang Seng MMPOWER World Mastercard® Up to $700 +FUN Dollars $100 +FUN Dollars Up to $800 +FUN Dollars
Hang Seng University / College Affinity Credit Card Up to $700 +FUN Dollars Not Applicable Up to $700 +FUN Dollars
Offer 4 Preferential interest rate for time deposit(s) in designated tenor and amount of Eligible New Fund Balance
Offer 5 Up to JPY6,000 cash reward for Eligible Preferred Banking Customers who newly opened/upgraded to Preferred Banking, set up designated foreign currency time deposit(s) and reach the designated cumulative amount
Offer 6 Free fund units reward with value of HKD 20 for Eligible Preferred Banking Customers who newly opened/upgraded to Preferred Banking and meet designated requirements
Offer 7 8 units of TraHK (stock code: 2800) for Eligible Preferred Banking Customers who newly open securities accounts and meet designated requirements
Offer 8 Up to HKD200 e-Voucher for Eligible Designated Customers who register for e-Banking and e-Statement, and complete designated missions.
Other Offers
Offer 9 Up to 5% p.a. on HKD Savings Rate
Offer 10 Up to 5% p.a. on Foreign Currency Savings Rate
Offer 11 Up to 12.0% p.a. 1-week time deposit rate by exchanging JPY, EUR and CNY in Hang Seng Mobile App / Hang Seng Personal e-Banking and setting up 1-week foreign currency deposit at the same time
Offer 12 $0 Brokerage fee offer on buy trades for Hong Kong Exchange Traded Funds (“ETFs”)
Offer 13 $0 Brokerage fee offer on buy trades for US Stocks
Offer 14 Up to $1,000 +FUN Dollars upon successful online application for eIncomePro Deferred Annuity Plan (100% Guaranteed)
Offer 15 Enjoy $0 handling fees on foreign currency transaction and cash withdrawal with Preferred Multi-Currency Debit Mastercard®
Offer 16 Enjoy Bank’s Cost Price and up to HK$6,900 cash rebate for the foreign exchange on JPY/EUR spending with Preferred Multi-Currency Debit Mastercard®
Offer 17 Up to 30% discount for 1st year premium and up to HKD400 e-Gift voucher upon Travelsure Protection Plan (Annual Cover) online subscription
Offer 18 20% discount for 1st year premium and HKD300 e-Gift voucher upon Home Care Plus Home Insurance Plan online subscription
Offer 19 Enjoy 50% spread discount by exchanging JPY

Offer 1

  1. The promotion period is from 1 October 2025 to 31 December 2025.
  2. New Preferred Banking Customers who successfully open Preferred Banking account via Hang Seng Mobile App (excluding branch assisted mode) with initial fund-in of HKD1,000 through FPS or Payment Connect within 7 calendar days of account opening date and maintain the designated amount for 10 calendar days thereafter (“Eligible Customer of Offer 1”) are entitled to HKD200 cash rebate.
    1. The Bank will determine the eligibility for Offer 1 of the Eligible Customer of Offer 1 based on the record of their deposit balance in the Hong Kong Dollar Savings Account / Hong Kong Dollar Current Account held with the Bank. The Bank’s records shall be final and conclusive.
    2. If a customer opens Preferred Banking Account between 1 October 2025 to 31 December 2025, the cash reward will be credited into the Hong Kong Dollar Savings/Current Account of each Eligible Customer of Offer 1 on or before 30 June 2026. Eligible Customer of Offer 1 must continue to maintain a valid Preferred Banking Account and a Hong Kong Dollar Savings/Current Account. Otherwise, he/ she will be deemed to have forfeited the right to receive the relevant cash reward.
    3. Each New Preferred Banking Customer can enjoy only once during the Promotion Period.

Offer 2

Total relationship balance growth reward
Deposit new funds and maintain the designated “Total Relationship Balance” Growth Amount in designated months, switch to Hang Seng PayDay+ for payroll service and enjoy respective cash rebate (as shown in the table below).

Designated “Total Relationship Balance” Growth Amount Total Relationship Balance Growth Reward Payroll Reward^ Total cash rebate
HKD100,000 or above – Below HKD200,000 HKD200 HKD500 Up to HKD700
HKD200,000 or above – Below HKD500,000 HKD600 HKD500 Up to HKD1,100
HKD500,000 or above HKD1,200 HKD500 Up to HKD1,700
^Switch to Hang Seng PayDay+ for payroll service


The designated month of opening/upgrading to Preferred Banking:

Month of opening/upgrading to Preferred Banking Month for comparing designated “Total Relationship Balance” Growth Amount  Designated months for which designated “Total Relationship Balance” Growth Amount and “Total Relationship Balance” requirement must be maintained/fulfilled  Cut-off date for switching to PayDay+ payroll service
October 2025 September 2025 December 2025 to February 2026 28 February 2026
November 2025 October 2025 January 2026 to March 2026 31 March 2026
December 2025 November 2025 February 2026 to April 2026 30 April 2026

  1. The promotion period is from 1 October – 31 December 2025. Eligible Preferred Banking Customers, New Preferred Banking Customers, Upgrade Preferred Banking Customers and new Eligible Payroll Customers (collectively, the “Eligible Customers of Offer 2”) can enjoy the respective cash reward (as set out in the table below) if he / she brings in “Designated Total Relationship Balance Growth Amount” shown in the below table on/ before the last day of the month subsequent to the account opening/upgrade month, and maintains such designated amount for three months. (the second, the third and the fourth months after the month of account opening /upgrade)
  2. The Total Relationship Balance is the monthly aggregate balance of the daily average of all deposits, gold accounts, securities, investment funds, utilized overdraft facilities, credit card cash advances, outstanding balance of personal loans and the accumulated premiums paid for the designated life insurance plans distributed by the Bank as an agent (excluding insurance plans which are certified under the Voluntary Health Insurance Scheme) as well as Hang Seng MPF balance. For sole-named Integrated Account holders, their other joint-named account(s) will also be included.
  3. “Designated Total Relationship Balance Growth Amount” means the “Total Relationship Balance” in the second, the third and the fourth month after the month of account opening/ upgrade month maintained by Eligible Customers of Offer 2 in excess of his/her “Total Relationship Balance” in the month prior to the account opening/ upgrade month. In case the “Total Relationship Balance” Growth amount recorded for the second, the third and the fourth months after the month of account opening/ upgrade month is different, the cash reward entitled will be determined based on the lowest “Total Relationship Balance” Growth amount accordingly. For customers who did not hold any Preferred Banking account with the Bank in the month prior to the account opening/ upgrade month, his/her “Total Relationship Balance” amount maintained in the month prior to the account opening/upgrade month will be treated as Zero.
  4. Eligible Customers of Offer 2 must have completed below items at the time the cash reward is credited in order to enjoy the respective cash reward:
    1. Registered for Hang Seng Personal e-Banking and maintain valid e-Banking account; and
    2. Activated / maintained one of the Investment Account(s) and the Investment Account(s) remains valid. “Investment Account” means Securities Account (Account suffix 085), Investment Fund Account (Account suffix 382) or SimplyFund Account (Account suffix 384) only under the Integrated Account.
  5. According to the below Cash Reward Table and “Total Relationship Balance Growth Reward” Time Table, the  eligible Preferred Banking Customers are entitled up to HKD1,200 cash reward for meeting the Designated Total Relationship Balance Growth Amount during the designated month and the requirements under point d (“Eligible Total Relationship Balance Incremental Reward Customers”).

    Designated Total Relationship Balance Growth Reward Time Table

    Month of opening/ upgrading to Preferred Banking Month of comparing designated “Total Relationship Balance” Growth Amount Fund-in/ deposit designated “Total Relationship Balance” Growth Amount Months for which designated “Total Relationship Balance” Growth Amount and “Total Relationship Balance” requirement must be maintained/fulfilled Date of Cash Reward rebate
    October 2025 September 2025 On or before 30 November 2025 December 2025 to February 2026 On or before 30 June 2026
    November 2025 October 2025 On or before 31 December 2025 January 2026 to March 2026
    December 2025 November 2025 On or before 31 January 2026 February 2025 to April 2026
  6. If the Eligible Total Relationship Balance Incremental Reward Customers opens/ upgrades to Preferred Banking on 1 October – 31 December 2025, the cash reward will be credited into the Hong Kong Dollar Savings/Current Account of each Eligible Total Relationship Balance Incremental Reward Customer on or before 30 June 2026. At the time the cash reward is credited, the Eligible Total Relationship Balance Incremental Reward Customer must continue to maintain a valid Preferred Banking Account, a Hong Kong Dollar Savings/Current Account and meet the requirements under point d above; otherwise, or he/ she will be deemed to have forfeited the right to receive the relevant cash reward.
  7. If any Total Relationship Balance Incremental Reward Customer opens more than one Preferred Banking Account during the Promotion Period, his/ her entitlement to the Total Relationship Balance Reward will be based on the Preferred Banking Account with the earliest account opening date.
  8. Each Total Relationship Balance Incremental Reward Customer can enjoy this offer only once during the Promotion Period. This offer cannot be used in conjunction with other Total Relationship Balance Reward of the same currency.

    Example 1: Assuming a New Preferred Banking Customer has opened Preferred Banking and activated an Investment Account in October 2025, the “Total Relationship Balance” (TRB) is HKD0 in September 2025 (the month prior to the account opening month):

    TRB in December 2025 (HKD) TRB in January 2026 (HKD) TRB in February 2026 (HKD) Lowest TRB Growth Amount (HKD) Cash Reward Entitlement (HKD)
    Scenario 1 200,000 300,000 250,000 200,000 600
    Scenario 2 110,000 90,000 85,000 85,000 Not Applicable (Failure to fulfil the requirement of Total Relationship Balance Growth Amount at HKD100,000 or above and failure to fulfill the requirement of maintaining Total Relationship Balance of HKD100,000 or above in the second, the third and the fourth month after account opening month.)

    Example 2: Assuming an Existing Customer has upgraded to Preferred Banking and activated an Investment Account in October 2025, the “Total Relationship Balance” (TRB) is HKD90,000 in September 2025 (the month prior to the account upgrading month):

    TRB in December 2025 (HKD) TRB in January 2026 (HKD) TRB in February 2026 (HKD) Lowest TRB Growth Amount (HKD) Cash Reward Entitlement (HKD)
    Scenario 1 190,000 200,000 210,000 100,000 200
    Scenario 2 200,000 230,000 120,000 30,000 Not Applicable (Failure to fulfil the requirement of Total Relationship Balance Growth Amount at HKD100,000 or above and failure to fulfill the requirement of maintaining Total Relationship Balance of HKD100,000 or above in the second, the third and the fourth month after account opening month.)
    Total Relationship Balance Growth Reward – Payroll Reward
    1. The Promotion is only applicable to Eligible Total Relationship Balance Incremental Reward Customers who fulfil the following requirements (“Eligible Payroll Customers”):
      1. Have no payroll record under any single/joint-named account (including joint-named accounts held in the name of a secondary account holder) of the Bank in designated periods based on the date customer opens/upgrades to Preferred Banking as stipulated in the table below and
      2. Successfully set up PayDay+ payroll service with the first monthly HKD salary directly credited to the Integrated Account of Preferred Banking (“Eligible Payroll Account”) from the employer’s company account via Autopay (“Eligible Payroll Record”) by the designated cut-off date based on the date customers open/upgrade to Preferred Banking as stipulated in the table below, and maintain the Eligible Payroll Record in each calendar month in the Eligible Payroll Account until the cash reward is credited after the first eligible payroll credit. For details, please refer to the table below. The customer’s identity as an Eligible Payroll Customer will be updated in the Bank’s record on the 7th working day in the month following the Eligible Payroll Record is made. For the purposes of the reward, working day refers to Monday to Saturday (excluding public holiday).

        Only salary transfer instructions indicated for payroll purpose and recognized by the Bank’s system as such may be considered as an Eligible Payroll Record. Any salary transferred on public holiday / after the cut-off time of the Bank will be processed on the next working day. If the next working day falls in the following month (M), the customer’s identity as an Eligible Payroll Customer will be updated in the Bank’s record on the 7th working day in the subsequent month (M+1). The Bank reserves the right of final decision should there be any dispute in the definition of “Eligible Payroll Record” or in the recognition of the customer’s identity as an “Eligible Payroll Customer”.
        Date of opening/ upgrading to Preferred Banking  Period without payroll record Cut-off date for switching to Hang Seng PayDay+ Payroll Service: Date of Cash Reward rebate
        October 2025 July 2025 – September 2025 28 February 2026 On or before 30 June 2026
        November 2025 August 2025 – October 2025 31 March 2026
        December 2025 September 2025 – November 2025 30 April 2026
    2. The reward is applicable to Eligible Payroll Customers with Eligible Payroll Record in Hong Kong Dollars only.
    3. The reward is not applicable to the Bank’s staff.
    4. The Cash Reward will be credited into the Hong Kong Dollar Savings/Current Account of the Eligible Payroll Customers by 30 June 2026 based on the date the customer opens/upgrades to Preferred Banking as stipulated in the table above. At the time the cash reward is credited, the Eligible Payroll Customers must continue to maintain a valid Preferred Banking Account and a Hong Kong Dollar Savings/Current Account. Otherwise, he/ she will be deemed to have forfeited the right to receive the relevant cash reward.
    5. If any Eligible Payroll Customer opens more than one Preferred Banking Account during the Promotion Period, his/her entitlement to the reward will be based on the Preferred Banking Account with the earliest account opening date. Each Eligible Payroll Customer can enjoy this Offer only once during the Promotion Period.

Offer 3

Apply for designated credit card and fulfil designated spending requirement to enjoy below rewards

Designated credit card Eligible Customers of Offer 3 (as defined below) successfully apply designated credit card and fulfil spending requirement New Eligible Payroll Customer Total Rewards  
Hang Seng Travel+ Visa Signature Card / Hang Seng MMPOWER World Mastercard® Up to $700 +FUN Dollars  $100 +FUN Dollars Up to $800+FUN Dollars 
Hang Seng University / College Affinity Credit Card Up to $700 +FUN Dollars  Not Applicable Up to $700 +FUN Dollars 
  1. For  Hang Seng Travel+ Visa Signature Card Welcome Offer, the promotion period is from now to 31 December 2025. Eligible Preferred Banking Customers, New Preferred Banking Customers, Upgrade Prefrred Banking Customers (collectively, the “Eligible Customers of Offer 3”) who have successfully applied for Principal Card of Hang Seng Travel+ Visa Signature Card on or before 31 December 2025 and whose applications are successfully approved on or before 31 January 2026 and fulfilled the designated spending requirements of welcome offer are entitled to up to $700 +FUN Dollars. For details, please visit hangseng.com/travelplus.
  2. For  Hang Seng MMPOWER World Mastercard Welcome Offer, the promotion period is from now to 31 December 2025. Eligible Customers of Offer 3 who have successfully applied for Principal Card of Hang Seng MMPOWER World Mastercard on or before 31 December 2025 and whose applications are successfully approved on or before 31 January 2026 and fulfilled the designated spending requirements of welcome offer are entitled to up to $700 +FUN Dollars. For details, please visit hangseng.com/mpower.
  3. New Eligible Payroll Customers who successfully apply Hang Seng Travel+ Visa Signature Card or Hang Seng MMPOWER World Mastercard can enjoy extra $100 +FUN Dollars welcome offer on top of the aforementioned welcome offers of such cards.  Please visit hangseng.com/cardc1 for the definition of new Eligible Payroll Customers and offer details.
  4. When the Eligible Preferred Banking Customer achieves the designated spending requirement of welcome offer, the Bank will credit the relevant +FUN Dollars to the relevant principal card account of the Eligible Preferred Banking Customers within 3 months. The Bank will credit the relevant extra $100 +FUN Dollars to the relevant principal card account of the new Eligible Payroll Customer according to the dates listed in the table below. The Preferred Banking account of the new Eligible Payroll Customers must remain valid, and the relevant credit card account must be still valid and in good standing when the +FUN Dollars are granted.
    Card application date Card approval date Fulfilment date
    From 30 April to 30 September 2025 On or before 31 August 2025 On or before 31 December 2025
     From 1 September to 31 October 2025 On or before 31 March 2026
    From 1 October to 31 December 2025 From 1 October 2025 to 31 January 2026 On or before 30 June 2026

Offer 4

Please refer to promotion page for the calculation of Eligible New Fund Balance. Terms and Conditions apply. Foreign exchange involves exchange rate risk. For details, please visit hangseng.com/depositspromo5.


Offer 5

  1. The promotion period for the Offer is from 1 October 2025 to 31 December 2025, both dates inclusive (“Promotion Period”).
  2. During the first 2 calendar months upon account opening or upgrade (“Designated Set Up Period”), the Eligible Preferred Banking Customers who successfully set up “Eligible Time Deposit(s)” with “Eligible New Fund Balance” and reach the specified cumulative deposit amount will be entitled to corresponding JPY Cash reward as specified in the table below.
    Accumulated Eligible Time Deposit Amount (HKD or equivalent) Cash Reward (JPY)
    20,000 300
    50,000 750
    100,000 1,500
    200,000 3,000
    300,000 4,500
    400,000 6,000
  3. "Eligible New Fund Balance" refers to the incremental balance when comparing the latest deposit balance with the balance of the same currency as of 15 calendar days ago, after deduction of the sum of principal amount which has been entitled to the new fund offer of Time Deposit within the last 15 calendar days (including today). The balance of all accounts, including Savings Accounts, Current Accounts and Time Deposits of Hong Kong Dollar and foreign currencies (whether accounts in sole name or joint name), will be counted towards the calculation of "Eligible New Fund Balance". The Bank reserves the right of final decision should there be any dispute in the definition of "Eligible New Fund Balance".
  4. “Eligible Time Deposit(s)” refers to the Time Deposit(s) fulfilling all of the following requirements, excluding any the time deposits withdrawn prior to maturity:
    Specified Time Deposit Tenor 3 months
    Designated Foreign Currency USD/AUD/CAD/GBP/NZD/CNY
    Designated Set Up Channels and Transaction Time Hang Seng Online Banking (including Hang Seng Personal e-Banking and Hang Seng Mobile App)
    Transaction Time: 8am to 7:55pm, Mondays to Fridays, excluding any Sunday, Hong Kong public holiday, holidays of the country or region where the currency is issued, or non-clearing day due to adverse weather condition such as typhoon signal or rainstorm warning.
    Designated Set Up Period During the first 2 calendar months upon account opening or upgrade
    The Month of Account Opening or Upgrade Designated Set Up Period
    October 2025 October to November 2025
    November 2025 November to December 2025
    December 2025 December 2025 to January 2026
  5. The Accumulated Eligible Time Deposit Amount will be converted into the Hong Kong Dollar equivalent amount based on the exchange rate of each foreign currency solely determined by the Bank on 31 January 2026.
  6. This offer will be calculated on a per-eligible customer basis. Each eligible customer can enjoy a maximum of JPY6,000 cash reward during the promotion period. In case the eligible account is a joint-named account, only the primary account holder can enjoy the offer.
  7. The cash reward will be credited into the Japanese Yen (JPY) Savings Account(s) and/or Current Account(s) of each Eligible Customer on or before 31 March 2026. At the time the cash reward is credited, each Eligible Customer must continue to maintain valid integrated account with the Bank in his/ her sole name or in the capacity as the primary account holder in the case of a joint account or he/she will be deemed to have forfeited the right to receive the cash reward.
  8. Except for the New Fund Time Deposit Offer, the Offer cannot be used in conjunction with other interest or exchange rate offers for the same currency.
  9. Unless otherwise specified, the Offer is not applicable to corporate accounts customers.

Offer 6

The promotion period is from 1 October 2025 to 31 December 2025. The Promotion is applicable to first 3,500 New Preferred Banking Customers and the first 1,500 Upgrade Preferred Banking and Integrated Account personal customers who did not have a SimplyFund Account (Account Suffix 384) on or before 30 September 2025, but successfully opened a SimplyFund Account whilst holding a valid Risk Profiling Questionnaire record with risk tolerance level between 1 and 5.Investment involves risk. Terms and conditions apply, visit hangseng.com/simplyfundoffer for more details.


Offer 7

  1. Eligible Preferred Banking Customers,  New Preferred Banking Customers and Upgrade Preferred Banking Customers (collectively, the “Eligible Customers of Offer 7”) can enjoy 8 units of Tracker Fund of Hong Kong (Stock Code: 2800) (“Free Shares Reward”) by opening / upgrading to Preferred Banking within 1 October 2025 to 31 December 2025 and completing the below items on/ before the last calendar day of the 3rd month subsequent to the Preferred Banking account opening/upgrade month:
    1. Fulfill the “Designated Total Relationship Balance Growth Amount” requirement of HKD 10,000 or above; and
    2. Successfully open securities accounts (personal/ joint) under Integrated Accounts of the Bank ("New Securities Accounts"), and all of the account holders of the New Securities Account must not hold any securities account (personal/ joint) with the Bank within a period of 6 months preceding the account opening date ("New Securities Customers"). If a New Securities Customer opens more than one New Securities Account during the Promotion Period, only New Securities Account with the earliest account opening date will be eligible for Free Shares Reward; and
    3. Complete submission of “Local Securities – Client Consent” by all of the new securities account holders.
  2. Each Eligible Customer of Offer 7 can enjoy Free Shares Reward of 8 units once only (“Free Shares”). In case of a joint named account, only the primary account holder can enjoy this offer.
  3. The Free Shares Reward offer is provided by Hang Seng Bank. However, please note that Tracker Fund (stock code: 2800) (the “ETF”) is managed by Hang Seng Investment Management Limited (which is a wholly-owned subsidiary of the Bank), the ETF’s Trustee, Index Provider, one or more of the Participating Dealers and/or market makers currently also include members of the HSBC Group. Please refer to the prospectus documents of the ETF for details of the conflicts of interest in respect of the ETF that may arise (and the relevant product details including the risk disclosures).
  4. Also, please note the relevant risks related to trading of odd lots, including if the proceeds of the odd lots selling order are less than the related charges, customer must pay the difference and bear the loss that may arise from. The processing time of odd lots trading is related to the stock liquidity and the number of odd lot shares. Due to the manual processing of odd lot orders, there is no definite range of price difference between the odd lots and the board lots; such orders may take longer to process and are not guaranteed to be executed. Normally, the execution price of an odd lot order will have several spreads worse than that of a board lot order. In addition, the Bank may only get quote(s) and execute the odd lot trade(s) for customers through one of the few brokers as may be designated by the Bank from time to time, while the Bank will act in customers’ best interests with relevant best execution factors taken into account in relation to customers’ order(s).
  5. Regarding Eligible Customers of Offer 7 who are entitled to the Free Shares, the Bank will place orders to buy the Free Shares in the secondary market (Hong Kong Stock Exchange) in the names of such customers, and deposit the same into the New Securities Accounts of the such customers on or before the last day of the 5th month subsequent to the account opening/upgrade month. The deposited Free Shares will be shown as a “buy trade” in the Securities Account monthly statement of the relevant month.
  6. The Eligible Customers of Offer 7 do not have to pay for any securities transaction fee involved for this “buy trade” of the Free Shares, including brokerage fees, securities deposit charges, nominee services fee and any third-party transaction charges such as transaction levy, stamp duty and trading fee, handling fee, securities management fee etc. (collectively “Securities Transaction Fees”). If Eligible Customers of Offer7 do not have other stock holdings except the Free Shares in the relevant New Securities Accounts, which with the Free Shares credited, during the period for 12 months since the deposit month, the custody fee for the same period will be waived.
  7. This promotion and the offer of Free Shares Reward do not represent, and should not be construed as, any investment advice from the Bank and the Bank has not taken into consideration the individual circumstances of any customers. Investment involves risks. There can be no guarantee, and no representation is made, on the performance of the Free Shares or as to whether losses would be incurred/profit would be made from the Free Shares. Customers must make their investment decisions in light of their own investment objectives, investment experience, financial situation or other needs etc., and (where necessary) should consult their own professional advisers before making any investment decisions.
  8. Please note that in respect of the Free Shares deposited into the Securities Accounts of the relevant Eligible Customers of Offer 7, customers are still subject to the fees and charges applicable to Securities Account, including custody fee (to be charged on a per account basis after expiry of the 12 months mentioned in paragraph f above) in respect of their securities holding and the relevant Securities Transaction Fee, transfer fee and/or capital gain tax etc. when they sell, transfer or otherwise dispose of the Free Shares in the future. For the details of our Securities Account fees and charges, please refer to Hang Seng Bank website > Investments > Securities> Securities Services Charges.
  9. Completion time of the criteria set out in paragraph a above is subject to the Bank's record. The Bank will determine the eligibility of the customers to join the Promotion based on the record held by the Bank. In case of any disputes, the Bank’s record shall be final and conclusive.
  10. Each Eligible Customer of Offer 7 who is entitled to the Free Shares Reward must maintain valid Preferred Banking account, New Securities Account and “Local Securities – Client Consent” until the Free Shares are deposited into the New Securities Account, otherwise such Free Shares will be forfeited. If an Eligible Customer of Offer 7 who is entitled to the Free Shares Reward has terminated the relevant Preferred Banking account or changed such account to a non-Preferred Banking or otherwise does not maintain a valid Preferred Banking account at the time the Free Shares are to be deposited into the New Securities Account, the Bank reserves the right to deduct from any accounts of the Eligible Preferred Banking Customers maintained with the Bank an amount equivalent to the value of the Free Shares Reward (as determined by the Bank at its sole discretion with reference to the market value of the Free Shares at the relevant date/time) without prior notice.
  11. In case of any reason the Bank is unable to provide the Free Shares as reward under this offer, the Bank reserves the right to substitute the Free Shares with other reward(s) at any time without prior notice. The value or nature of the substitute reward(s) may differ from the Free Shares specified in these Terms and Conditions.

Offer 8

The promotion period is from 1 October 2025 to 31 December 2025. Terms and conditions apply. Please visit hangseng.com/ebankingoffer2 for more details.


Offer 9

The promotion period is from 2 October 2025 to 31 December 2025, for new Eligible Payroll Customers who register for the offer via Hang Seng Mobile App. Terms and conditions apply, please visit hangseng.com/usage7 for details.


Offer 10

The promotion period is from 1 October 2025 to 31 December 2025. For Eligible Payroll Customers with Eligible Incremental Balance of designated currencies. Savings rate is for reference only. Foreign exchange involves exchange rate risk. Terms and conditions apply. Please visit hangseng.com/depositspromo7 for more details.


Offer 11

The promotion period is from 2 October 2025 to 31 December 2025. For Eligible Payroll Customers who exchange designated currencies and set up of 1-week or 1-month time deposit at the same time with designated transaction amount. The above interest rate offers are quoted with reference to the interest rates offered by the Bank on 2 October 2025 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions. Terms and conditions apply. Visit hangseng.com/forexoffer for more details.


Offer 12

  1. This offer is applicable to Eligible Payroll Customers with securities accounts (personal/ joint) under the Integrated Accounts (excluding Share Margin Accounts) maintained with the Bank (“Securities Customers with Payroll”). Securities Customers with Payroll who successfully execute BUY transactions of Hong Kong Exchange Traded Fund(s) (“ETF(s)”) (as defined in clause c below) via any of the Bank’s online trading channels (including Hang Seng Invest Express mobile app, Hang Seng Personal e-Banking and Hang Seng Personal Banking mobile app) and using the said securities accounts during the trading period (“Trading Period”) from 30 April 2025 to 31 December 2025 (“Eligible Securities Transaction(s)”) can enjoy $0 brokerage fee offer. There is no limit on the number of Eligible Securities Transaction(s) which can enjoy this offer and no minimum amount for each Eligible Securities Transaction.
  2. This offer can be enjoyed by Securities Customers with Payroll who are eligible for SimplyStock in respect of Eligible Securities Transaction(s) in a calendar month during the Trading Period after the first HKD300,000 (or its HKD equivalent for transactions in USD or Renminbi) transaction amount in that calendar month which is covered by the SimplyStock monthly fee (currently HKD30) is exceeded.
  3. “Hong Kong ETF(s)” refers to ETFs which are listed on The Stock Exchange of Hong Kong Limited during the Trading Period and with trading currency being HKD, USD or Renminbi, excluding all leverage & inverse products (i.e. those with relevant stock codes for Leverage and Inverse Products allocated for listing on the SEHK), and ETFs not settled by the customers with the Bank in HKD, USD or Renminbi. “Eligible Securities Transactions” exclude purchase transactions of Hang Seng Monthly Investment Plans for Stocks and share subscriptions of Initial Public Offering (IPO).
  4. The offer is calculated on a per account basis. Customers are required to first pay all the standard brokerage fees of online trading channels (i.e. Hong Kong ETFs settled in HKD or Renminbi: 0.25% of the transaction amount, minimum HKD100 / RMB85 per transaction; Hong Kong ETFs settled in USD: 0.5% of the transaction amount, minimum USD20 per transaction) (“Standard Brokerage Fee”) in respect of all Eligible Securities Transactions. The brokerage fee reduction amount for Eligible Securities Transactions that a customer is entitled to (“Reduction Amount”) will be deposited by the Bank to the HKD settlement account of the relevant securities account on or before 28 February 2026.
    In respect of Eligible Securities Transaction(s) settled in HKD, the calculation of the Reduction Amount will be based on the actual brokerage fee paid for such Eligible Securities Transaction (i.e. Standard Brokerage Fee minus any brokerage fee reduction amount entitled for other securities offers during the Trading Period (if any)). In respect of Eligible Securities Transaction(s) settled in USD or Renminbi, the calculation of the Reduction Amount will be based on the actual brokerage fee paid for such Eligible Securities Transaction (i.e. Standard Brokerage Fee minus any brokerage fee reduction amount entitled for other securities offers during the Trading Period (if any)), with the amount of the actual brokerage fee paid converted to HKD at the exchange rate solely determined by the Bank as prevailing on 31 December 2025 (thus the Reduction Amount may be more or less than the actual brokerage fee paid for all Eligible Securities Transactions settled in USD or Renminbi due to this conversion).
    The actual brokerage fee paid for each Eligible Securities Transaction excludes any custody fee, securities deposit charges, nominee services fee and any third-party transaction charges such as transaction levy, stamp duty and trading fee, handling fee, securities management fee, transfer fee and capital gain tax, etc.
    Customers should still maintain the relevant securities accounts and the HKD settlement accounts when the Reduction Amount is credited.
  5. This brokerage fee offer is a reduction of brokerage fee for securities transactions.

Offer 13

  1. This offer is applicable to Eligible Payroll Customers with securities account under sole-named integrated accounts (excluding Share Margin Accounts) maintained with the Bank (“Securities Customers with Payroll”). Securities Customers with Payroll who successfully execute BUY transactions of US stocks (as defined in clause c below) via Hang Seng Invest Express mobile app and using the said securities accounts during the trading period (“Trading Period”) from 30 April 2025 to 31 December 2025 (“Eligible Securities Transaction(s)”) can enjoy $0 brokerage fee offer.
  2. This offer can be enjoyed by Securities Customers with Payroll who are eligible for SimplyStock in respect of Eligible Securities Transaction(s) in a calendar month during the Trading Period after the first HKD300,000 (or its HKD equivalent for transactions in USD or Renminbi) transaction amount in that calendar month which is covered by the SimplyStock monthly fee (currently HKD30) is exceeded.
  3. “US stocks” refer to Common Stocks (excluding warrants), Exchange Traded Funds (ETFs) and American Depository Receipts (ADRs) traded on New York Stock Exchange (NYSE), Nasdaq Global Market (NASDAQ), NYSE Amex Equities Market (AMEX) and NYSE ARCA.
  4. Customers are required to first pay all the standard brokerage fees (i.e. USD0.015 per share with minimum USD15 per transaction) (“Standard Brokerage Fee”) in respect of all Eligible Securities Transactions. The brokerage fee reduction amount for Eligible Securities Transactions that a customer is entitled to (“Reduction Amount”) will be deposited by the Bank into the USD settlement account of the relevant securities account on or before 28 February 2026. The calculation of Reduction Amount will be based on the actual brokerage fee paid for each Eligible Securities Transaction (i.e. Standard Brokerage Fee minus any brokerage fee reduction amount entitled for other securities offers during the Trading Period (if any)), subject to maximum total Reduction Amount of USD100 per customer. The actual brokerage fee paid for Eligible Securities Transaction excludes any custody fee, securities deposit charges, nominee services fee and any third-party transaction charges such as transaction levy, stamp duty and trading fee, handling fee, securities management fee, transfer fee, capital gain tax, SEC fee and financial transaction tax etc. Customers should still maintain the relevant securities accounts and the USD settlement accounts when the Reduction Amount is credited.
  5. This brokerage fee offer is a reduction of brokerage fee for securities transactions.

Offer 14

  1. To enjoy this Offer, each Eligible Preferred Banking Customer and existing Preferred banking customer is required to settle the premium of an Eligible Application by using his/her own Hang Seng Credit Card, Affinity Card, Commercial Card, Business Card or Spending Card, but excluding Hang Seng UnionPay Renminbi Diamond Commercial Card and Private Label Cards ("Eligible Credit Card"). 
  2. “Eligible Application” refers to any successful application within the Promotion Period for a policy (“Designated Policy”) of eIncomePro Deferred Annuity Plan (100% Guaranteed) ("Designated Life Insurance Plan") with Annual Payment Mode and designated promotion code provided during application. Any application towards the Designated Life Insurance Plan with unposted, cancelled or refunded premium does not qualify as an Eligible Application for the purpose of this Offer.
  3. Subject to these terms and conditions, the customer is entitled to a reward of +FUN Dollars/yuu Points based on the total premium payment required in 1st policy year of the Designated Policy (excluding premium levy and any premium discount or premium waiver) (“Total Premium Payment”):
    Total Premium Payment (based on the policy’s currency)  Reward
    HKD38,000 or USD4,760  Extra 500 +FUN Dollars or 100,000 yuu Points 
    Above HKD38,000 or USD4,760  Extra 1,000 +FUN Dollars or 200,000 yuu Points 
    The reward of +FUN Dollars / yuu Points is subject to the Eligible Credit Card type. Please note that the amount of net premium due, paid and qualified for tax deduction purpose does not include levy and is after deducting any marketing offers (e.g. premium discount, premium waiver, and extra credit card reward points (including +FUN Dollars, yuu Points, and other gift and reward with similar nature) under tactical programs), and the actual tax benefits of this policy would depend on personal tax position (e.g. salaries income and assessable profits). For +FUN Dollars/yuu Points received from applying for the Qualifying Deferred Annuity Plan (“QDAP”), the conversion rates of “each $1 +FUN Dollar represents HK$1 and each yuu Point represents HK$0.005” will be applied for the calculation of deduction, and will be reflected in the annual summary of QDAP. Customers should always consult with a professional tax advisor if they have any doubts. Nothing in these terms and conditions shall be construed as tax or legal advice given by the Bank or Hang Seng Insurance Company Limited (“Hang Seng Insurance”). Hang Seng enJoy Visa Platinum Card and Hang Seng enJoy Spending Card are rewarded with yuu Points. Please refer to http://hangseng.com/enjoycard for Reward Points Programme details.
  4. The extra +FUN Dollars / yuu Points will be credited into the Eligible Credit Card accounts on or before 30 April 2026. Such credit card accounts must remain valid and in good standing when the relevant +FUN Dollars / yuu Points are credited. The customer can log on to Hang Seng Personal e-Banking (if applicable) or call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899 to check the reward details.
  5. USD1:HKD7.75 will be used as USD exchange rate for calculation. Extra +FUN Dollars reward / yuu Points will be calculated based on the amount of each individual Eligible Application. The +FUN Dollars reward / yuu Points rewarded will be rounded down to the nearest unit. The +FUN Dollars reward less than $1 +FUN Dollars / yuu Point less than 1 point will not be rewarded.
  6. All rewarded +FUN Dollars rebate / yuu Points cannot be transferred or converted into cash under any circumstances.
  7. Only policyholders whose respective Designated Policies are still effective on or before 31 January 2026 and before the +FUN Dollars / yuu Points fulfillment are eligible for the extra +FUN Dollars/yuu Points, subject to all the terms herein.
  8. Any transactions which are eventually cancelled, returned or found to be fraudulent will be considered as ineligible transactions which are not applicable to this Offer and extra reward will not be rewarded.
  9. The Bank and Hang Seng Insurance reserve the right to vary or convert +FUN Dollars reward / yuu Points to other forms of rewards (including but not limited to points or cash reward) equivalent to the same values / amounts / earnings ratio of the +FUN Dollars or yuu Points to eligible customers from time to time without prior notice.
  10. Unless otherwise specified, this Offer cannot be used in conjunction with the Bank staff privileges and other +FUN Dollars promotions or yuu Points promotions.
  11. No person other than the customer, the Bank (which includes its successor and assign) and Hang Seng Insurance (which includes its successor and assign) has 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.
  12. This promotion is jointly offered by the Bank and Hang Seng Insurance. The Bank and Hang Seng Insurance reserve the right of final decision on all matters relating to the above offers, which shall be binding on all parties concerned. In case of any dispute, the decision of the Bank and Hang Seng Insurance is final.
  13. These terms and conditions forms part of the relevant insurance contract upon successful application of the Designated Life Insurance Plan and will be sent together with the policy pack to policyholder upon successful application.

Offer 15

$0 fees on foreign currency transaction and cash withdrawal from Hang Seng and HSBC Group ATM networks. Apply to Eligible? Preferred Banking customers only: When withdrawing cash overseas from non-HSBC ATM networks, there is a charge of HK$40 each time and local banks may charge an additional fee. When withdrawing cash locally from non-HSBC Group ATM networks, there is a charge of HK$20 each time.


Offer 16

  1. The promotion period of “Bank’s Cost Price for exchanging JPY or EUR via Hang Seng Multi-Currency Debit Mastercard®” is from 2 July till 31 December 2025. Exclusive for Eligble Payroll Customers. Foreign exchange involves exchange rate risk. Terms and Conditions apply, please visit hangseng.com/forexreward for more details.
  2. The promotion period of “Up to a HK$6,900 accumulated cash rebate offer” is now till 31 Dec 2025. Terms and conditions apply, please visit hangseng.com/mcy_debit for details.  

Offer 17

Terms and conditions apply to the promotion offer and insurance plan. Please note the relevant product risks. Please visit hangseng.com/gi5 for the terms and conditions of the promotion offer. Please call our hotline at (852) 2998 9888 for details and obtaining the dedicated promotion code. The above general insurance plan is underwritten by Chubb Insurance Hong Kong Limited.


Offer 18

Terms and conditions apply to the promotion offer and insurance plan. Please note the relevant product risks. Please visit hangseng.com/gi5 for the terms and conditions of the promotion offer. Please call our hotline at (852) 2998 9888 for details and obtaining the dedicated promotion code. The above general insurance plan is underwritten by Chubb Insurance Hong Kong Limited.


Offer 19

The promotion period is from 6 October 2025 to 31 March 2026. Eligible customers can enjoy a 50% FX spread discount on successful real-time HKD to JPY currency exchanges reaching HKD30 per single transaction, conducted via Hang Seng Mobile App and Hang Seng Personal e-banking every Wednesday . Foreign exchange involves exchange rate risk. Terms and conditions apply. Visit hangseng.com/forexoffer for more details.



Important notes and disclaimer

Investors should not only base on this material alone to make any investment decision, but should read in detail in the relevant risk disclosure statements. The information contained herein is for general information and reference purposes only and is not intended to provide professional investment or other advice. It is not intended to form the basis of any investment decision. You should not make any investment decision based solely on the information and services provided herein. Before making any investment decision, you should take into account your own circumstances including but not limited to your financial situation, investment experience and investment objectives, and should understand the nature, terms and risks of the relevant investment product. You should obtain appropriate professional advice where necessary.


Life Insurance Plan
eIncomePro Deferred Annuity Plan (100% Guaranteed) is certified by the Insurance Authority (“IA”) as QDAP. However, the IA certification is not a recommendation or endorsement of the policy, nor does it guarantee the commercial merits of the policy or its performance. It does not mean the policy is suitable for all policyholders, nor is it an endorsement of its suitability for any particular policyholder or class of policyholders. The policy has been certified by the IA, but such certification does not imply official recommendation. The QDAP status of the plan does not necessarily mean you are eligible for tax deduction available for QDAP premiums paid. Any general tax information provided is for your reference only, and you should not make any tax-related decisions based on such information alone. Please note that the amount of net premium due, paid and qualified for tax deduction purpose does not include levy and is after deducting any marketing offers (e.g. premium discount, premium waiver, and extra credit card reward points (including +FUN Dollars, yuu Points, and other gift and reward with similar nature) under tactical programs) and the actual tax benefits of this plan depend on personal tax position (e.g. salaries income and assessable profits), and you should always consult with a professional tax advisor if you have any doubts. Nothing in this document shall be construed as tax or legal advice given by the Bank or Hang Seng Insurance. Please note that the tax law, regulations or interpretations are subject to change and may affect related tax benefits including the eligibility criteria for tax deduction. The Bank and Hang Seng Insurance do not take any responsibility to inform you about any changes in the laws and regulations or interpretations, and how they may affect you. Further information on tax concessions applicable to QDAP may be found at www.ia.org.hk.

eIncomePro Deferred Annuity Plan (100% Guaranteed) is underwritten by Hang Seng Insurance. Hang Seng Insurance is authorised and regulated by the IA in Hong Kong. The Bank is registered as an insurance agency by the IA and authorised by Hang Seng Insurance for distribution of this plan. This plan is a product of Hang Seng Insurance but not the Bank. Upon application for this plan, insurance premium will be payable to Hang Seng Insurance, and Hang Seng Insurance will provide the Bank with commission and performance bonus as remuneration for distribution of this plan. The existing staff remuneration policy on sales offered by the Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and you out of the selling process or processing of the related insurance product transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance and you directly.

The above information is intended as a general summary of information for reference only. It shall not be construed as an offer to sell or solicitation of an offer or recommendation to purchase or sale or provision of any products of Hang Seng Insurance outside Hong Kong. For details of the plan, please refer to the actual policy for the exact terms, conditions and exclusions of the plan. For product risk, please refer to the product brochure.


General Insurance Plan
The general insurance plans in Offers 14 and 15 are underwritten by Chubb Insurance Hong Kong Limited (“Chubb”), which is authorised and regulated in Hong Kong by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. The Bank is registered as an insurance agency by the Insurance Authority (Licence No.: FA3168) and authorised by Chubb for distribution of these plans. These plans are products of Chubb and not the Bank. Upon application of these plans, insurance premium will be payable to Chubb, and Chubb will provide the Bank with commission and performance bonus as remuneration for distribution of these plans. The existing staff remuneration policy on sales offered by the Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the insurance product, underwriting, claims and policy service should be resolved directly between Chubb and the customer.
Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable.



Important Risk Warnings

RMB Currency Risk
Renminbi ("RMB") is subject to exchange rate risk. Fluctuation in the exchange rate of RMB may result in losses in the event that the customer subsequently converts RMB into another currency (including Hong Kong Dollars). Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. RMB is currently not freely convertible and conversion of RMB may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.


Foreign Currency Risk
Foreign Exchange involves Exchange Rate Risk. Fluctuations in the exchange rate of a foreign currency may result in gains or loss of principal in the event that the customer converts the deposits from HKD or foreign currency to another currency, and/or in the event that the customer converts a foreign currency time deposit to HKD upon maturity.


Risk Disclosure of Investing in Securities
Investors should note that investment involves risks. The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.

Investors should note that investing in different Renminbi-denominated securities and products involves different risks (including but are not limited to currency risk, exchange rate risk, credit risk of issuer / counterparty, interest rate risk, liquidity risk (where appropriate)). The key risks of investing in securities via the Stock Connect Northbound Trading include:

  • Once the respective quota is used up, trading will be affected or will be suspended.
  • Stock Connect Northbound Trading will only operate on days when both markets are open for trading. Investors should take note of the days the Stock Connect Northbound Trading is open for business and decide according to their own risk tolerance whether or not to take on the risk of price fluctuations in securities during the time when Stock Connect Northbound Trading is not trading.
  • When a security is recalled from the scope of eligible securities for trading via Stock Connect Northbound Trading, that security can only be sold but NOT bought.
  • Investors will be exposed to currency risk if conversion of the local currency into RMB is required.

Foreign securities carry additional risks not generally associated with securities in the domestic market. The value or income (if any) of foreign securities may be more volatile and could be adversely affected by changes in many factors. Client assets received or held by the licensed or registered person outside Hong Kong are subject to the applicable laws and regulations of the relevant overseas jurisdiction which may be different from the Securities and Futures Ordinance (Cap.571) and the rules made thereunder. Consequently, such client assets may not enjoy the same protection as that conferred on client assets received or held in Hong Kong.
Investors should note that ETF is different from a typical unit trust and many factors will affect its performance. In general, the market price per ETF unit may be significantly higher or lower than its net asset value per unit due to market demand and supply, liquidity, and scale of trading spread in the secondary market and will fluctuate during the trading day. ETF is different from stocks, investors should read the offering documents of the relevant ETF and understand the features and risks of ETF etc.


Risk Disclosure for TraHK

  • The Tracker Fund of Hong Kong ("TraHK") is an exchange-traded fund designed to provide investment results that closely correspond to the performance of the Hang Seng Index ("Index") but its return may deviate from that of the Index.
  • Investment involves risk, including risks of concentration of investments in shares in constituent companies of the Index, performance of the Index, economic, political and social developments, risks relating to investment in Hong Kong-listed stocks, and dual counter risks. Investors may lose part or all of their investments.
  • Due to fees and expenses of TraHK, liquidity of the market and tracking strategy adopted by the Manager, TraHK's return may deviate from that of the Index.
  • The trading price of TraHK may differ from the underlying net asset value ("NAV") per unit.
  • TraHK may not be suitable for all investors. Investors should not invest based on this website only. Investors should read TraHK's prospectus including all risk factors, consider the product features, their own investment objectives, risk tolerance level and other factors, and seek independent financial and professional advice as appropriate prior to making any investment.
  • The performance of TraHK, the NAV per unit and the performance by the manager and the trustee of their respective obligations are not guaranteed by the HKSAR Government. The HKSAR Government has given no guarantee or assurance that the investment objective of TraHK will be met.


Investors should not only base on this material alone to make any investment decision, but should read in detail the relevant risk disclosure statements.


Risk Disclosure of SimplyFund Account

  • 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.
  • Not all of the investment funds that are distributed by Hang Seng Bank Limited (the “Bank”) are available here. Only specific funds are available for subscription with this account. If you are looking for other investment funds or investment products, please visit our branches or our websites for more information.
  • In respect of the investment funds available for subscription with this account at the moment, they are provided either by the Bank's wholly owned subsidiary, Hang Seng Investment Management Limited, or by the Bank's affiliates HSBC Global Asset Management (Hong Kong) Limited.


To borrow or not to borrow? Borrow only if you can repay!