Hang Seng Preferred Banking Promotion (1 July – 30 September 2026) - Terms & Conditions

General Terms and Conditions

  1. Unless otherwise specified, the promotion period of Preferred Banking Promotion (“Promotion”) is from 1 July 2026 to 30 September 2026, both dates inclusive (“Promotion Period”).
  2. Unless otherwise specified, each eligible customer can only enjoy the offers under the Promotion (“Offers”) once, and the Offers cannot be used in conjunction with other promotional offers of the same product offered by Hang Seng Bank Limited (“Bank”) outside of this Promotion.
  3. 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 and from time to time without prior notice. The decision of the Bank on all matters relating to this Promotion and the related offers is final and binding on all the parties concerned.
  4. 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 prevail in matters relating to the Promotion.
  5. In case of any discrepancy between the English and the Chinese versions of these terms and conditions, the English version prevails.
  6. No person other than the customer and the Bank (which includes its successors and assigns) 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.
  7. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region (“Hong Kong”).
  8. 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 Accounts 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) during the Promotion Period (“Eligible Preferred Banking Customers”). “Eligible Preferred Banking Customers” excludes:
    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 account(s) has/have been terminated in any period.
  2. “New Preferred Banking Customers” 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 Private, Prestige Banking, Preferred Banking and any other Integrated Account) (“Existing Customers”); 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 account(s) mentioned above has/have been terminated in any period.
  3. “Upgrade Preferred Banking Customers” refers to the Eligible Preferred Banking Customers who are Existing Customers, and who are not:
    1. existing customers who are holding sole-named or joint-named Prestige Private, 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 account(s) mentioned above has/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 is 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. “Total Relationship Balance” and “TRB” both mean the monthly aggregate balance of the daily average of all deposits, gold accounts, securities, investment funds, utilised 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 agency (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. 
  7. The Offers are not applicable to commercial customers.
  8. In case of any disputes, the Bank’s records are final and conclusive.

Offers and Respective Terms and Conditions:


Offer Summary
Offer 1 Register and switch to Hang Seng PayDay+ payroll service to earn up to HKD2,000 cash reward
Offer 2 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 Customers 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
University / College Credit Card Up to $700 +FUN Dollars Not Applicable Up to $700 +FUN Dollars
Offer 3 $0 brokerage fee offer on buy trades for Hong Kong Exchange Traded Funds (“ETFs”)
Offer 4 $0 Brokerage fee offer on buy trades for US Stocks
Offer 5 Enjoy additional cash rebate upon successful application of a private residential mortgage
Offer 6 Up to 30% discount for 1st year premium and up to HKD400 e-Gift voucher upon Travelsure Protection Plan (Annual Cover) successful online subscription
Offer 7 New Securities Customers can enjoy:
3-month $0 brokerage fee offer on buy and sell trades of HK stocks / US stocks / A shares; and extra up to 8% p.a. preferential savings rate by buying HK stocks/US Stocks and depositing new funds
Offer 8 Enter lucky draw with a chance to win designated US stock with approx. value up to HKD38,000
Offer 9 Join “Scratch Reward” for chances to win brokerage fee coupons
Preferred Banking Welcome Offers
  • New Preferred Banking Customers can enjoy up to $9,100 rewards (including +FUN Dollars and cash rebate in Hong Kong Dollars) by completing designated banking services and requirements of Offers 1,2,6,10-14 during the Promotion Period.
  • Upgrade Preferred Banking customers can enjoy up to $9,000 rewards (including +FUN Dollars and cash rebate in Hong Kong Dollars) by completing designated banking services and requirements of Offers 1,2,6,11-15 during the Promotion Period.
Offer 10 HKD200 cash rebate upon account opening via mobile app with an initial fund-in of HKD20,000 or above and successfully registered e-Banking
Offer 11 Up to HKD3,500 cash rebate upon total relationship balance growth reward with designated banking services fulfilment
Offer 12 Up to $2,000 +FUN Dollars upon successful online application for eIncomePro Deferred Annuity Plan (100% Guaranteed)
Offer 13 8 shares of designated stock for New Securities Customers who newly open securities accounts and meet designated requirements
Offer 14 10% p.a. HKD New Fund Time Deposit Lucky Draw
Offer 15 Up to HKD100 e-Voucher for Eligible Designated Customers who register for e-Banking and e-Statement, and complete designated missions
Other Offers
Offer 16 Up to 3.3% guaranteed return for QuickReward Endowment Life Insurance Plan (1-Year)
Offer 17 8-months premium waiver in the first policy year for eFamilyPro Life Insurance Plan
Offer 18 Up to 17% p.a. 1-week time deposit rate by exchanging designated currencies in Hang Seng Mobile App / Hang Seng Personal e-Banking and setting up 1-week foreign currency deposit at the same time
Offer 19 Enjoy the bank’s cost price by conducting designated foreign currency exchange with FX coupon via Hang Seng Mobile App.
Offer 20 New Fund Time Deposit Offer
Offer 21
  1. Free fund units reward with value of HKD20 for Eligible Preferred Banking Customers who newly opened SimplyFund Account and satisfied designated requirements
  2. Successfully opened an Investment Fund Account and subscribed for funds via digital channel can enjoy a 0% Fund Subscription Fee Offer for up to the designated accumulated subscription amount on the first transaction day within the first 30 days upon account opening
  3. Successfully completed the first online subscription for designated investment products via digital channel can enjoy up to 8% p.a. bonus interest rate for the first month/week and receive a total cash reward of up to HKD3,400
  4. Successfully subscribed to designated investment products or completed designated investment services will receive one lucky draw chance each with a maximum of 20 entries in total, to win fabulous rewards such as a HKD10,000 Klook gift card
Offer 22 Enjoy $0 handling fee on foreign currency transaction and cash withdrawal with Preferred Multi-Currency Debit Mastercard®
Offer 23 Enjoy up to HKD5,410 cash rebate when spending at designated merchants with Preferred Multi-Currency Debit Mastercard®
Offer 24 Earn a HKD400 cash reward when you successfully refer friends and family to switch to PayDay+ payroll service​​
Offer 25 Earn a HKD200 cash reward when you successfully refer friends and family to open a Preferred Banking account​​

Offer 1

The promotion period is from 2 July 2026 – 30 September 2026. This Offer is for new eligible payroll customers who register for the offer via the Hang Seng Mobile App. Terms and conditions apply. Please visit hangseng.com/usage18 for details.


Offer 2

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

Designated credit card Eligible Customers of Offer 2 successfully apply designated credit card and fulfil spending requirement New Eligible Payroll Customers 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
University / College Credit Card Up to $700 +FUN Dollars Not Applicable Up to $700 +FUN Dollars
  1. For Offer 2 Hang Seng Travel+ Visa Signature Card Welcome Offer, the promotion period is from now to 31 December 2026.  Customers who have successfully applied for Hang Seng Travel+ Visa Signature Card during the Promotion Period and fulfilled the designated spending requirements of welcome offer are entitled to up to $700 +FUN Dollars. For details, please visit hangseng.com/travelplus. To borrow or not to borrow? Borrow only if you can repay!
  2. For Offer 2 Hang Seng MMPOWER World Mastercard Welcome Offer, the promotion period is from now to 31 December 2026. Customers who have successfully applied for Hang Seng MMPOWER World Mastercard during the Promotion Period and fulfilled the designated spending requirements of welcome offer are entitled to up to $700 +FUN Dollars. For details, please visit hangseng.com/mmpower. To borrow or not to borrow? Borrow only if you can repay!
  3. For Offer 2 University / College Credit Card Welcome Offer, the promotion period is from now to 31 December 2026. Customers who have successfully applied for University/College Affinity Credit Card during the Promotion Period and fulfilled the designated spending requirements of welcome offer are entitled to up to $700 +FUN Dollars. For details, please visit hangseng.com/ucardspromo. To borrow or not to borrow? Borrow only if you can repay!
  4. The extra $100 +FUN Dollars welcome offer for Hang Seng Travel+ Visa Signature Card / Hang Seng MMPOWER World Mastercard is for new eligible payroll customers who have their first payroll recorded between 1 July 2026 and 30 September 2026. Eligible payroll customers must successfully apply for a Hang Seng Travel+ Visa Signature Card or Hang Seng MMPOWER World Mastercard and obtain approval between the date of the first payroll record and the end of the subsequent calendar month. Upon meeting the spending requirements for the welcome offer, eligible customers will receive an extra $100 +FUN dollars on top of the welcome offer of up to $700 +FUN dollars. Terms and conditions apply, please visit hangseng.com/cardc1 for details. To borrow or not to borrow? Borrow only if you can repay!

Offer 3

From 1 July 2026 to 30 September 2026, eligible payroll customers with securities account can enjoy a $0 brokerage fee for buy HK ETFs which are conducted through our online trading channels. Online trading channels include Hang Seng Personal e-Banking, Hang Seng Personal Banking mobile app and Hang Seng Invest Express mobile app. HK ETFs refer to all ETFs listed and traded on The Stock Exchange of Hong Kong Limited (“SEHK”). Investment involves risks. Services and offers are subject to terms and conditions. For details, please refer to hangseng.com/stockoffer.


Offer 4

From 1 July 2026 to 30 September 2026, eligible payroll customers with securities account can enjoy a $0 brokerage fee for buy US stocks which are conducted through the Hang Seng Invest Express mobile app. Investment involves risks. Services and offers are subject to terms and conditions. For details, please refer to hangseng.com/stockoffer.


Offer 5

Eligible payroll customers who successfully apply for a private residential mortgage loan during 1 July 2026 to 30 September 2026 and draw down the mortgage loan (loan amount must be HKD 3,000,000 or above) on or before 31 March 2027 and also maintain a valid payroll record on 30 June 2027 will be entitled to additional cash rebate. Terms and conditions apply, please visit hangseng.com/usage9 for details. To borrow or not to borrow? Borrow only if you can repay!


Offer 6

The promotion period is from 1 July 2026 to 30 September 2026. This Offer is only applicable to eligible payroll customers and selected customers. Terms and conditions apply to the promotion offer and insurance plan. Please note the relevant product risks. The general insurance plan is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”). Please call our hotline at (852) 2998 9888 for the details and obtaining dedicated promotion code. For the terms and conditions of the promotion offer, please visit hangseng.com/gi2. For payroll customer eligibility details, please refer to hangseng.com/payrolloffer > FAQ section.


Offer 7

The promotion period of $0 brokerage for new securities customers is from 1 July 2026 to 30 September 2026. All 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. Enjoy $0 brokerage fee for buy and sell trades of HK stocks / US stocks / A shares which are conducted through our online trading channels in the first 3 months starting from the account opening date.
The promotion period for the “up to 8% preferential savings rate” is from 1 May 2026 to 31 July 2026. Enjoy up to extra 8% p.a. preferential savings rate for 1 month by buying HK stocks or US stocks and depositing new funds in corresponding currency. The offer is for eligible incremental balance of designated amount in the corresponding currency during designated period.
Investment and foreign exchange involve risks. Terms and conditions apply for the offers. For details, please visit hangseng.com/stockoffer.


Offer 8

The promotion period is from 1 July 2026 to 30 September 2026. Preferred Banking customers who submit HKIDR Consent Form and W-8BEN Substitute Form within 1 month of securities account opening will be automatically entered into the US stock lucky draw to win Vanguard S&P 500 ETF (NYSE: VOO) (approx. value up to HKD38,000). The stock prices are calculated based on its market closing price per share on 1 June 2026. Investment involves risks. Terms and conditions apply. For details, please refer to hangseng.com/stockoffer.


Offer 9

The promotion period is from 1 May 2026 to 31 August 2026. Customers trading HK stocks / US stocks / A shares through any securities trading channel of the Bank can get a scratch card for each transaction. Log onto Hang Seng Invest Express mobile app to scratch your card for a chance to win and use a brokerage fee coupon, get up to full brokerage fee waiver on your next trade. There is no limit on the number of coupons to be received. Investment involves risks. Terms and conditions apply. For details, please refer to hangseng.com/secoffer.


Offer 10

  1. Each New Preferred Banking Customer who successfully opens Preferred Banking account via Hang Seng Mobile App (excluding branch assisted mode), registers e-Banking and with initial fund-in of HKD20,000 or above into the corresponding Hong Kong Dollar Savings/Current Account (“Eligible Deposit Account”) within the month of account opening and maintains the designated deposit balance in Eligible Deposit Account until the second month of after account opening month (“Eligible Customer of Offer 10”) is entitled to HKD200 cash rebate.
  2. Schedule
    Account opening month Deposit fund-in period Deposit Maintenance Period Date of Cash Reward Rebate
    July 2026 On or before 31 July 2026 1 August to 30 September 2026 On or before 31 March 2027
    August 2026 On or before 31 August 2026 1 September to 31 October 2026
    September 2026 On or before 30 September 2026 1 October to 30 November 2026
  3. The Bank will determine the eligibility for Offer 10 of the Eligible Customer of Offer 10 based on the record of the deposit balance in the Eligible Deposit Account held with the Bank. The Bank’s records are final and conclusive. 
  4. Subject to these terms and conditions, the cash reward will be credited into the Eligible Deposit Account of each Eligible Customer of Offer 10 on or before 31 March 2027. Eligible Customer of Offer 10 must continue to maintain a valid Preferred Banking Account and an Eligible Deposit Account. Otherwise, the customer is deemed to have forfeited the right to receive the relevant cash reward. 
  5. If any Eligible Customer of Offer 10 opens more than one Preferred Banking Account during the Promotion Period, his/her entitlement to Offer 10 will be based on the Preferred Banking Account with the earliest account opening date. Each Eligible Customer of Offer 10 can enjoy this Offer only once during the Promotion Period.

Offer 11

Total relationship balance growth reward

  1. The promotion period is from 1 July 2026 – 30 September 2026. Subject to these terms and conditions, Eligible Preferred Banking Customer can enjoy the respective cash reward (as set out in the table below) if the customer fulfils all of the following requirements (together with the requirements at point c below) (“Eligible Total Relationship Balance Incremental Reward Customer”):
    1. Brings in Designated Total Relationship Balance Growth Amount shown in the below table on or before the last day of the month subsequent to the account opening/upgrade month; and
    2. Maintains such designated amount for three months (i.e. the second, the third and the fourth months after the month of account opening/upgrade):
      Designated Total Relationship Balance Growth Amount Total Relationship Balance Growth Reward
      HKD50,000 or above – Below HKD100,000 HKD300
      HKD100,000 or above – Below HKD200,000 HKD500
      HKD200,000 or above – Below HKD500,000 HKD1,500
      HKD500,000 or above HKD3,500
  2. “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 a customer in excess of the Total Relationship Balance in the month prior to the account opening/upgrade month (please refer to the timetable below for details). In case the Total Relationship Balance growth amounts recorded for the second, the third and the fourth months after the month of account opening/ upgrade month are different, the cash reward entitled is determined based on the lowest Total Relationship Balance growth amount accordingly. For any customer who did not hold any Preferred Banking account with the Bank in the month prior to the account opening/ upgrade month, the Total Relationship Balance amount maintained in the month prior to the account opening/upgrade month is treated as Zero.
    Timetable
    Date 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 in which Designated Total Relationship Balance Growth Amount and Total Relationship Balance requirement must be maintained/fulfilled
    July 2026 June 2026 By 31 August 2026 September 2026 to November 2026
    August 2026 July 2026 By 30 September 2026 October 2026 to December 2026
    September 2026 August 2026 By 31 October 2026 November 2026 to January 2027
  3. Each Eligible Total Relationship Balance Incremental Reward Customer must also have completed below items at the time the cash reward is credited in order to enjoy the respective cash reward:
    1. Register for Hang Seng Personal e-Banking and maintain valid e-Banking account; and
    2. Activate / maintain 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.
  4. Subject to these terms and conditions, 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 31 March 2027. 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 c above; otherwise, the customer is deemed to have forfeited the right to receive the relevant cash reward, and the Bank reserves the right to debit the amount equivalent to the value of the reward(s) already credited from any of the customer’s accounts without prior notice. 
  5. If any Eligible Total Relationship Balance Incremental Reward Customer opens more than one Preferred Banking Account during the Promotion Period, the entitlement to the Total Relationship Balance Reward is based on the Preferred Banking Account with the earliest account opening date. 
  6. Each Eligible 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 Customer has opened Preferred Banking and activated an Investment Account in July 2026, the Total Relationship Balance is HKD0 in June 2026 (the month prior to the account opening month):

    TRB in September 2026 (HKD) TRB in October 2026 (HKD) TRB in November 2026 (HKD) Lowest TRB Growth Amount (HKD) Cash Reward Entitlement (HKD)
    Scenario 1 200,000 300,000 250,000 200,000 1,500
    Scenario 2 110,000 90,000 45,000 45,000 Not Applicable*
    *Failure to fulfil the requirement of Total Relationship Balance Growth Amount at HKD50,000 or above and failure to fulfil the requirement of maintaining Total Relationship Balance of HKD50,000 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 July 2026, the Total Relationship Balance is HKD90,000 in June 2026 (the month prior to the account upgrading month):

    TRB in September 2026 (HKD) TRB in October 2026 (HKD) TRB in November 2026 (HKD) Lowest TRB Growth Amount (HKD) Cash Reward Entitlement (HKD)
    Scenario 1 190,000 200,000 210,000 100,000 500
    Scenario 2 150,000 180,000 120,000 30,000 Not Applicable*
    *Failure to fulfil the requirement of Total Relationship Balance Growth Amount at HKD50,000 or above and failure to fulfil the requirement of maintaining Total Relationship Balance of HKD50,000 or above in the second, the third and the fourth month after account opening month.

Offer 12

  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 the customer’s 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 premium option selected for the Eligible Application (“Premium Option”):
    Premium Option Reward
    HKD38,000 / USD4,760 Extra 1,000 +FUN Dollars or 200,000 yuu Points
    HKD60,000 / USD7,500 or above Extra 2,000 +FUN Dollars or 400,000 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”). Use of +FUN Dollars is subject to the terms and conditions of Hang Seng Credit Card Membership Rewards Programme. Please call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899 for details. To borrow or not to borrow? Borrow only if you can repay! 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. Subject to these terms and conditions, the extra +FUN Dollars / yuu Points will be credited into the Eligible Credit Card accounts on or before 31 January 2027. 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 October 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 transaction which is eventually cancelled, returned or found to be fraudulent is considered as an ineligible transaction which does not qualify for this Offer, and any 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 any Bank staff privilege or other +FUN Dollars promotion or yuu Points promotion.
  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 is 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 13

Free Shares Reward for TRB Growth and Opening of New Securities Accounts

“New Securities Customers” (including all the account holders of the New Securities Account) means customers who must not hold any securities account (personal / joint) with the Bank within a period of 6 months preceding the account opening date. Investment involves risks. Terms and Conditions apply to the services and offers. For details, please visit hangseng.com/stockoffer.


Offer 14

    Eligibility
  1. This offer is only applicable to the Eligible Preferred Banking Customers who meet the following requirements (“Eligible Lucky Draw Customers”):
    1. Successfully places HKD 2-month time deposit(s) with Eligible New Fund Balance of HKD10,000 or above via Hang Seng Online Banking (including Hang Seng Personal e-Banking and the Hang Seng Mobile App) during the Designated Item Period; and
      1.  “Designated Item Period” refers to the period from the account opening or upgrade date to 31 October 2026, both dates inclusive.
      2. "Eligible New Fund Balance" in this offer 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 time deposit placement date). The balance of all accounts of the same currency, including Savings Accounts, Current Accounts and Time Deposits of Hong Kong Dollar and foreign currencies (whether accounts in sole name or joint name), is counted towards the calculation of Eligible New Fund Balance. The Eligible New Fund Balance for each eligible time deposit must meet the minimum amount requirement of HKD10,000.
      3. The time deposit transaction time for Online Banking is as follows (“Designated Time Deposit Transaction Time”):
        • For Online Banking, the transaction time is from 8am to 7:55pm, Mondays to Fridays , and 8am to 4:55pm, Saturdays. If the time deposit is placed outside the transaction time, or on any Sunday, Hong Kong public holiday or non-clearing day due to adverse weather condition such as typhoon signal or rainstorm warning, the relevant time deposit is not applicable to this Offer.
    2. Being aged 18 or above on 1 July 2026; and
    3. Has Marketing Push Notification enabled in the Hang Seng Mobile App until 31 January 2027; and
    4. Maintains a valid mobile phone number with country code “+852”, email address and correspondence address in Hang Seng’s record.
    Reward and Winners
  2. The reward of this offer is HKD new fund 2-month time deposit interest rate of 10% p.a.. The interest rate of winner’s HKD new fund 2-month time deposit(s) placed during the Designated Item Period (refer to clause a(i)) will be increased to a Total Interest Rate of 10% p.a..
    1. The total time deposit amount eligible for the Total Interest Rate of 10% p.a. is capped at HKD100,000. This Offer does not apply to any time deposits uplifted before maturity.
    2. “Total Interest Rate” refers to the sum of the Prevailing Interest Rate and the Bonus Interest Rate.
      1. “Prevailing Interest Rate” refers to the prevailing time deposit interest rate when the customer placed the HKD new fund 2-month time deposit.
      2. “Bonus Interest Rate” refers to the additional interest rate over and above the Prevailing Interest Rate which together with the Prevailing Interest Rate amount to the Total Interest Rate. If the total time deposit amount exceeds HKD100,000, the amount in excess is eligible for the Prevailing Interest Rate only. The bonus interest derived from the Bonus Interest Rate ("Cash Reward") is calculated as simple interest on a 365-day basis per year.
    3. The Cash Reward will be credited into the HKD Savings Account of the winner on or before 31 January 2027. At the time the Cash Reward is credited, the winner must continue to maintain a valid Preferred Banking account. Otherwise, the winner is deemed to have forfeited the right to receive the relevant Cash Reward. This reward is calculated on a per-winner basis. In case the account is a joint-named account, only the primary account holder can enjoy the reward.
  3. A total of 300 winners are drawn on a random basis on or before 31 January 2027. Each Eligible Lucky Draw Customer can enjoy the reward at most once only. Details are as follows:
    Month of account opening or upgrade Quota of winners
    July 2026 100
    August 2026 100
    September 2026 100
    4. Lucky Draw Details
  4. Subject to these terms and conditions, each Eligible Lucky Draw Customer who completes the designated Item(s) listed in the table below during the Designated Item Period is entitled to receive the corresponding number of lucky draw entries:
    Item Number of lucky draw entry upon completion Maximum number of lucky draw entry obtainable
    1 Become a New PayDay+ Payroll Customer 5 5
    2 Successfully complete a single foreign currency exchange transaction of HKD5,000 equivalent or above via the Hang Seng Mobile App or Hang Seng Personal e-Banking 1 5
    3 Total Relationship Balance in November reaches HKD50,000 or above 1 1

    Note: Each Eligible Lucky Draw Customer can receive up to 11 lucky draw entries.

    Item 1: Become a New PayDay+ Payroll Customer

    1. Eligible Lucky Draw Customer must meet the following requirements in order to be regarded as a “New PayDay+ Payroll Customer”:
      1. Had 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 during the period from 1 April 2026 to 30 June 2026; and
      2. Successfully sets up payroll service with the first monthly salary (“Eligible Payroll Record”) directly credited to the customer’s HKD Savings/HKD Current Account (“Payroll Account”) from the employer’s company account via Autopay during the period from 1 July 2026 to 31 October 2026. The monthly salary has to be in Hong Kong Dollars. An Eligible Payroll Record should be made in each calendar month following the first Eligible Payroll Record until the Cash Reward is distributed.
      3. Only salary transfer instructions indicated for payroll purpose and recognized by the Bank’s system as such may be considered as 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. For the purposes of this offer, working day refers to Monday to Saturday (excluding public holiday). 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 a New PayDay+ Payroll Customer.
      4.  For the purpose of this offer, PayDay+ Payroll Customers do not include the Bank’s staff.

    Item 2: Successfully complete a single foreign currency exchange transaction of HKD5,000 equivalent or above via the Hang Seng Mobile App or Hang Seng Personal e-Banking

    1. Each Eligible Lucky Draw Customer who successfully completes a single foreign currency exchange transaction of HKD5,000 equivalent or above via the Hang Seng Mobile App or Hang Seng Personal e-Banking is entitled to receive 1 lucky draw entry. Each Eligible Lucky Draw Customer can receive up to 5 lucky draw entries.
    2. This item is not applicable to foreign exchange transaction(s) involving notes exchange, cash deposit, notes withdrawal, inward/outward remittance, Overseas Transfer Service, FX Order Watch Service, foreign exchange transaction(s) via Passbook Savings Account and foreign exchange transaction(s) made on pre-defined dates by way of forward dated instruction(s).
    3. For any cross-currency exchange, the relevant transaction amount will be determined and calculated in HKD equivalent with the exchange rate solely determined by the Bank on the transaction day.

    Item 3: Total Relationship Balance in November reaches HKD50,000 or above

    1. Each Eligible Lucky Draw Customer who maintains the Total Relationship Balance of HKD50,000 or above in November 2026 is entitled to receive 1 lucky draw entry.

    5. Other terms and conditions

  5. If an Eligible Lucky Draw Customer newly opens or upgrades to more than one account (including any sole-named or joint-named account) during the Promotion Period, the Bank will determine the customer eligibility based on the earliest account opening/upgrade date.
  6. The processing date and time for the transactions and the amount of Eligible New Fund Balance are subject to the records of the Bank.
  7. This offer cannot be used in conjunction with other promotional offers for similar products/services and other deposit offers in the same currency of the Bank.

Offer 15

For eligible designated customers only. Terms and conditions apply. Please visit hangseng.com/ebankingoffer2 for more details.


Offer 16

This guaranteed return is calculated based on the USD plan. The reward is subject to a quota. Please note the relevant product risks, credit risks and early surrender loss. This plan is underwritten by Hang Seng Insurance Company Limited. For offer details, please visit hangseng.com/ins-discount.


Offer 17

Terms and conditions apply to the offer, please note the relevant product risks, credit risks and early surrender loss. This plan is underwritten by Hang Seng Insurance Company Limited. For offer details, please visit hangseng.com/efamilypro.

Terms and Conditions for the Premium Waiver Offer for the First Year ("Premium Waiver Offer"):

  1. The promotional period is from 1 July 2026 to 30 September 2026 ("Promotional Period").
  2. This promotion is applicable to Hang Seng Bank Limited (“Hang Seng Bank”) personal customers who successfully apply for eFamilyPro Insurance Plan of Hang Seng Insurance Company Limited (“Hang Seng Insurance”) via Hang Seng Bank website hangseng.com or e-banking within the Promotional Period (both dates inclusive) and providing a valid promotion code during the application process to enjoy the Premium Waiver Offer upon successful policy issuance (“Qualified Applicant”) but not applicable to corporate customers of Hang Seng Bank.
  3. Qualified Applicant can enjoy 8-months premium waiver on the second, fourth, sixth, eighth, nineth, tenth, eleventh, twelfth month’s premium of the eFamilyPro Insurance Plan (total 8-months premium waiver) within the first policy year (subject to successful policy issuance). If applicants cannot provide the respective promotion code, no premium waiver will be offered.
  4. eFamilyPro Insurance Plan is underwritten by Hang Seng Insurance. Hang Seng Bank is the authorized insurance agency of Hang Seng Insurance.
  5. Any applications towards the eFamilyPro Insurance Plan with unposted / cancelled / refunded premium will not be entitled to this Premium Waiver Offer.
  6. For details of the eFamilyPro Insurance Plan features and the relevant product risks, please refer to the relevant product brochure. For terms and conditions of eFamilyPro Insurance Plan, please refer to the relevant policy provisions.
  7. If the policy issued is cancelled during the cooling-off period, Hang Seng Insurance will only refund the actual premium paid by the Policyholder.
  8. In the event of partial withdrawal(s), policy surrender or lapse within the first policy year, the first-year premium discount amount may be clawed back by setting off such amount against any sums that may be payable by Hang Seng Insurance to the customer at Hang Seng Insurance’s sole and absolute discretion.
  9. This promotion is jointly offered by Hang Seng Bank and Hang Seng Insurance. In case of discrepancy arising out of the promotion, the decision of Hang Seng Bank and Hang Seng Insurance is final and conclusive.
  10. Hang Seng Insurance has the right to decide whether or not to accept the insurance application based on information provided by the Policyholders and/ or the Life Insured upon application.
  11. The Premium Waiver Offer is only applicable to selected personal customers of Hang Seng Bank but not applicable to corporate customers and any parties who enjoy Hang Seng Bank staff privileges.
  12. Hang Seng Bank and Hang Seng Insurance reserve the right to suspend, vary or terminate the Premium Waiver Offer and to amend the terms and conditions of the Premium Waiver Offer at any time and from time to time without prior notice. Hang Seng Bank and Hang Seng Insurance reserve the right of final decision on all matters relating to the Premium Waiver Offer, which is binding on all parties concerned.
  13. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region (“Hong Kong”).
  14. These terms and conditions are subject to prevailing regulatory requirements.
  15. No person other than the Qualified Applicant, Hang Seng Bank (including its successors and assigns) and Hang Seng Insurance (including its successors and assigns) 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.
  16. This material is for distribution in Hong Kong only and shall not be considered as an offer to sell or solicitation to buy or providing any insurance product outside Hong Kong. If you are not physically in Hong Kong currently, we cannot provide you the products or offers mentioned in this material. Please browse the relevant content only when you are back in Hong Kong.
  17. In case of any discrepancy between the English and Chinese versions of the terms and conditions, the English version prevails.

    18. Hang Seng Insurance is authorised and regulated by the Insurance Authority in Hong Kong. Hang Seng Bank is authorised by Hang Seng Insurance for distribution of this plan. This plan is a product of Hang Seng Insurance but not Hang Seng Bank. 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 Hang Seng Bank and the customer out of the selling process or processing of the related insurance product transaction, Hang Seng Bank will enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the insurance product should be resolved between Hang Seng Insurance and the customer directly.

Offer 18

The promotion period is from 1 June 2026 to 30 September 2026. For exchange of designated currencies and set-up of 1-week time deposit at the same time with designated transaction amount. The interest rate offers are quoted with reference to the interest rates offered by the Bank on 1 June 2026 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions. Foreign exchange involves exchange rate risk. Terms and conditions apply. For details, please visit hangseng.com/forexoffer.


Offer 19

From 1 July 2026 to 30 September 2026, customers who have newly opened or upgraded to Preferred Banking are entitled to one FX coupon under this promotion. The FX coupon is applicable to a single foreign currency exchange transaction of HKD1,000 to HKD5,000 (or equivalent) in designated currencies. Bank’s cost price refers to the foreign exchange rate without any sales margin normally charged by the Bank. Any other mark-up applied to the exchange rate for operational reasons will not be waived. Foreign exchange involves exchange rate risk. Terms and conditions apply. For details, please visit hangseng.com/onlinefx.


Offer 20

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


Offer 21

  1. The promotion period is from 1 July 2026 to 30 September 2026. The promotion is applicable to the first 5,000 Preferred Banking personal customers who did not have a SimplyFund Account (Account Suffix 384) on or before 30 June 2026 and successfully opened a SimplyFund Account and satisfied the following conditions until the fund units are deposited into their relevant account: (1) a Hong Kong Identity Card (HKID) holder; (2)  holding a valid Risk Profiling Questionnaire record with risk tolerance level between 1 and 5 ; (3) successfully registered for Hang Seng Personal e-Banking; (4) maintained their Preferred Banking Account with a minimum Total Relationship Balance ("TRB") of at least HKD 5,000. Investment involves risk. Terms and conditions apply. Please visit hangseng.com/simplyfundoffer for more details.
  2. The promotion period is from 1 July 2026 to 30 September 2026. The promotion is applicable to Preferred Banking personal customers, who have newly opened an Investment Fund Account (under the account number suffix of 382), will be entitled to the 0% fund subscription fee offer for their first accumulated subscription amount made on the first day of fund subscription (within 30 calendar days of opening the Investment Fund Account) via Hang Seng Personal e-Banking or the Hang Seng Mobile App. Investment involves risk. Terms and conditions apply. Please visit hangseng.com/fundoffer for more details.
  3. The promotion period is from 1 July 2026 to 30 September 2026. The promotion is applicable to Preferred Banking personal customers who did not subscribe to Designated Investment Products from 1 January 2026 to 30 June 2026. Eligible Customers successfully completed the first subscription transaction of the “Designated Investment Product(s)” via Hang Seng Personal e-Banking or Hang Seng Mobile App can enjoy up to 8% p.a. bonus interest rate. Investment involves risk. Terms and conditions apply. Please visit hangseng.com/invpromo for more details.
  4. The promotion period is from 1 July 2026 to 30 September 2026. The promotion is applicable to Preferred Banking personal customers who successfully completed a designated product subscription or service using their integrated account via eligible channel can get a lucky draw chance. Only 1 lucky draw chance will be offered in respect of each Designated Item, and each Eligible Customer can get a maximum of 20 Lucky Draw Entries in total. Investment involves risk. Terms and conditions apply. Please visit hangseng.com/invpromo for more details.

Offer 22

  1. $0 fees on foreign currency transaction and cash withdrawal from Hang Seng and HSBC Group ATM networks.
  2. When withdrawing cash overseas from non-HSBC Group ATM networks, there is a charge of HKD40 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 HKD20 each time.
  3. Terms and conditions apply. For details, please visit hangseng.com/mcy_debit.

Offer 23

Promotion period of the offer is from 1 July 2026 to 30 September 2026. Terms and conditions apply. Please visit hangseng.com/mcy_debit for details.


Offer 24

The promotion period is from 2 July 2026 to 30 September 2026. Terms and conditions apply. Each eligible referrer must be the Bank’s payroll customer with an eligible payroll record under the customer's Prestige Private, Prestige Banking, or Preferred Banking account. The relevant account must be held in the customer’s sole name or, in the case of a joint account, by the customer as the primary account holder. Please visit hangseng.com/usage17 for details.​


Offer 25

The promotion period is from 10 July 2026 to 30 September 2026. Terms and Conditions apply. Please visit hangseng.com/mgm1 for 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.

The above information is a product summary of information for reference only. These life insurance plans ("Plans") are intended only for sale in the Hong Kong SAR. 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. Please refer to the relevant leaflet, factsheet or product brochure for exact contents, product risk, credit risk, terms, conditions and exclusions of the relevant Plan, and the policy of the relevant Plan shall be considered as final.

The Plans are underwritten by Hang Seng Insurance. Hang Seng Insurance is authorised and regulated by the Insurance Authority of the Hong Kong SAR. The Bank is an insurance agency authorised by Hang Seng Insurance, and the insurance products are products of Hang Seng Insurance but not the Bank. Upon application for any of these Plans, insurance premium will be payable to Hang Seng Insurance, and Hang Seng Insurance will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of the 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. Policyholders are subject to the credit risk of Hang Seng Insurance and early surrender loss. Terms and conditions apply. Please note the relevant product risks.

If policyholders surrender the policy after the expiry of the cooling-off period, the surrender proceeds to be received may be significantly less than the Total Premiums Paid. Please refer to the illustration summary of these plans for the projected surrender values. All details regarding policy surrender should be referred to the relevant policy provisions.


General Insurance Plan
The general insurance plan in Offer 6 is underwritten by Chubb, which is authorised and regulated in Hong Kong by the IA. Chubb reserves the right of final approval of the policy issuance. The Bank is registered as an insurance agency by the IA (Licence No.: FA3168) and authorised by Chubb for distribution of this plan. This plan is a product of Chubb and not the Bank. Upon application of this plan, insurance premium will be payable to Chubb, and Chubb 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 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.

By choosing eIncomePro Deferred Annuity Plan (100% Guaranteed) denominated in currencies other than local currency, customer is subject to exchange rate risks. Exchange rate fluctuates from time to time. Upon the currency conversion, customer may suffer a loss of the benefit values and the subsequent premium payments (if any) may be higher than your initial premium payment as a result of the exchange rate fluctuations. Customer should consider the aforesaid exchange rate risk factors, conversion arrangement and the potential loss associated before applying for eIncomePro Deferred Annuity Plan (100% Guaranteed).


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 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.


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!