Hang Seng PayDay+ and Preferred Banking Promotion (30 April – 30 June 2025) - Terms & Conditions

General Terms and Conditions

  1. Unless otherwise specified, the promotion period of Hang Seng PayDay+ and Preferred Banking Promotion (“Promotion”) is from 30 April 2025 to 30 June 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. 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.
  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 shall prevail.
  5. In case of any discrepancy between the English and the Chinese versions of these terms and conditions, the English version shall prevail.
  6. 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.
  7. These terms and conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
  8. These terms and conditions are subject to prevailing regulatory requirements (where applicable).

Payroll Customer Eligibility and Promotion Details

  1. Unless otherwise specified, the Promotion is applicable to personal customers who fulfil the following requirements:
    1. Set up / maintain PayDay+ payroll service with the Bank via HKD Savings / HKD Current Accounts during the Promotion Period and hold the “Eligible Payroll Record” until the end of the offer period (“Eligible Payroll Customer”). Eligible Payroll Record refers to the HKD salary credited to the customer’s HKD Savings / HKD Current Account maintained with the Bank from the employer’s company account via Autopay (“Payroll Account”). 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 promotion, 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 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 customer fails to maintain an Eligible Payroll Record with the Bank in each calendar month until the end of the offer 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 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.

Preferred Banking Customer Eligibility and Promotion Details

  1. Unless otherwise specified, this offer 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)” mentioned herein refers to the Eligible 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)” mentioned herein refers to the Existing Customers, who are not:
    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 mentioned above have been terminated in any period.
  4. If an Eligible 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.

The Offers and Respective Terms and Conditions:


Offer Summary
PayDay+ Offers
  • Eligible Payroll Customers can enjoy Offers 1- 17, subject to the respective terms and conditions.
Offer 1 Up to 5% p.a. preferential HKD savings rate
Offer 2 Up to 5% p.a. preferential Foreign Currency savings rate
Offer 3 Handling Fee Waiver for Foreign Currency Notes Exchange and Bulk Cash Deposit
Offer 4 $0 Brokerage fee offer on buy trades for Hong Kong Exchange Traded Funds (“ETFs”)
Offer 5 $0 Brokerage fee offer on buy trades for US Stocks
Offer 6 5 extra lucky draw chances for Everyday Air Ticket Lucky Draw
Offer 7 Up to full brokerage fee waiver on the next trade via “Scratch Reward”
Offer 8 Bonus unit rebate up to HKD4,700 upon Tax Deductible Voluntary Contributions (‘tvc’) subscription from Hang Seng MPF
Offer 9 Up to 5X +FUN Dollars rebate upon eIncomePro Deferred Annuity Plan subscription
Offer 10 Up to 4.55% annualised guaranteed rate of return upon CouponPower Guaranteed Life Insurance Plan subscription
Offer 11 20% discount for 1st year premium and HKD400 e-Gift voucher upon Home Care Plus Home Insurance Plan subscription
Offer 12 30% discount for 1st year premium and HKD200 e-Gift voucher upon Travelsure Protection Plan (Annual Global Cover) (“Annual Global Cover”)
Offer 13 20% discount for 1st year premium and HKD150 e-Gift voucher upon Travelsure Protection Plan (Annual China Cover) (“Annual China Cover”) subscription
Offer 14 Up to HKD2,400 shopping coupon upon Designated Life Insurance Plans subscription
Offer 15 Extra $100 +FUN Dollars welcome offer (up to $800 +FUN Dollars) upon Hang Seng Travel+ Visa Signature Card / Hang Seng MMPOWER World Mastercard® / Hang Seng Prestige World Mastercard Application
Offer 16 Up to HKD 8,800 extra cash rebate upon Personal Instalment Loan application and drawdown
Offer 17 Extra cash rebate upon Mortgage application and drawdown
Preferred Banking Welcome Offers
  • New Preferred Banking customers can enjoy up to HKD2,700 rewards (including +FUN Dollars and cash rebate) by completing designated banking services and requirements of offer 18, 19 and 20 during the promotion period.
  • Upgrade Preferred Banking customers can enjoy up to HKD2,500 rewards (including +FUN Dollars and cash rebate) by completing designated banking services and requirements of offer 19 and 20 during the promotion period.
Offer 18 HKD200 cash rebate upon account opening via mobile app with an initial fund-in of HKD1,000
Offer 19 Up to HKD1,700 cash rebate upon total relationship balance growth reward with designated banking services fulfilment
Offer 20 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 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
*For new payroll customers only and equivalent to PayDay+ offer 15, please refer to its full terms & conditions

PayDay+Offer 1

The promotion period is from 30 April 2025 – 30 June 2025, for new Eligible Payroll Customers who register for the offer via Hang Seng Mobile App. The above interest rate is quoted with reference to the interest rates offered by the Bank on 30 April 2025, for reference only and not guaranteed. Terms and conditions apply, please visit hangseng.com/payrolloffer1 for details.


PayDay+Offer 2

The promotion period is from 1 April 2025 to 30 June 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.


PayDay+Offer 3

The promotion period is from 30 April 2025 – 30 September 2025. Please visit hangseng.com/payrolloffer10 for relevant Terms and Conditions of the offer. Foreign Exchange involves exchange rate risk.


PayDay+Offer 4

  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.

PayDay+Offer 5

  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.

PayDay+Offer 6

The promotion period is from 16 May 2025 to 15 January 2026. Terms and conditions apply. Please visit hangseng.com/promotion for more details during the promotion period.


PayDay+Offer 7

This offer is applicable to new securities customers who are Eligible Payroll Customers. Terms and conditions apply. Please visit hangseng.com/secoffer for more details during the promotion period.


PayDay+Offer 8

  1. Subject to these terms and conditions, an Eligible Payroll Customer must fulfil all of the following conditions to enjoy this Offer holder (in this Offer, the “Eligible Customer”):
    1. Successfully opens a Hang Seng MPF Tax Deductible Voluntary Contributions (“TVC”) account (“Eligible Account”) during the Promotion Period; and
    2. Makes designated amount of TVC contribution(s) and/or transfer(s) to the Eligible Account (as set out at clause (c) below) within the Promotion Period.
    Any customer who has held a Hang Seng MPF TVC account in the past 12 months prior to the opening date of the Eligible Account is not eligible for this Offer.
  2. An Eligible Customer shall provide payroll record under any account of the Bank and register through a Hang Seng MPF Specialist of the Bank to enjoy this Offer.
  3. The maximum bonus unit rebate for each Eligible Customer under this Offer is HKD4,700. For the information about the bonus unit rebate amounts at each tier, please refer to the following table:
    Tier Cumulative TVC contributions made and/or transferred to Hang Seng MPF(HKD) Basic TVC Bonus Extra TVC Bonus Cumulative basic and extra bonus unit rebate(HKD) Special TVC Bonus(HKD)
    Basic bonus unit rebate(HKD) Cumulative basic bonus unit rebate(HKD) Extra bonus unit rebate(HKD) Cumulative extra bonus unit rebate(HKD)
    1 3,000 100 100 50 50 150 One-off 200
    2 30,000 200 300 100 150 450
    3 60,000 300 600 150 300 900
    4 120,000 800 1,400 400 700 2,100
    5 180,000 1,600 3,000 800 1,500 4,500
    1. For the Basic TVC Bonus, each Eligible Customer is entitled to receive the bonus unit rebate according to the corresponding tier of the cumulative TVC paid and/or transferred to the Eligible Account during the Promotion Period (up to HKD3,000).
    2. For the Extra TVC Bonus, each Eligible Customer is entitled to receive an extra 50% of the Basic TVC Bonus (up to HKD1,500) if all of the following requirements are met:
      1. The Eligible Customer must be an employee of any of the 2023-24 or 2024-25 Good MPF Employers, an award that is organized annually by the Mandatory Provident Fund Schemes Authority; and
      2. The employment status of the Eligible Customer at the time the Eligible Customer successfully opens the Eligible Account will be used to determine if the Eligible Customer is an employee of the employer.
    3. For the Special TVC Bonus, each Eligible Customer is entitled to receive a bonus unit rebate of HKD200 if, during the Promotion Period:
      1. The Eligible Customer makes TVC contribution(s); and/or
      2. The Eligible Customer transfers to the Eligible Account,
      of a total amount of at least HKD3,000.
  4. Each Eligible Customer is entitled to the relevant bonus unit rebate under the Basic TVC Bonus, Extra TVC Bonus and Special TVC Bonus (if applicable) ONE time only based on the cumulative TVC paid and/or transferred to the Eligible Account.
  5. The Bank shall allocate bonus units to an Eligible Account according to the table set out at clause (c) above if all of the following conditions are met:
    1. Each of the TVC transfers is made from an MPF scheme other than the Hang Seng or HSBC MPF schemes;
    2. Each of the TVC paid or transferred to the Eligible Account is kept in the Eligible Account until the holding period has passed. The holding period for each TVC contribution or transfer threshold is 6 months from the later of:
      1. The day that the TVC contribution or transfer threshold has reached; or
      2. The day the TVC contribution or transfer has been successfully allocated in the Eligible Account;
    3. The Eligible Customer has not transferred out or withdrawn any MPF accrued benefit from the Eligible Account before the bonus unit is allocated; and
    4. The Eligible Customer has satisfied the other requirements in these terms and conditions.
  6. The Bank shall allocate bonus unit:
    1. Under the Extra TVC Bonus (if applicable) on the same day as the corresponding bonus units under the Basic TVC Bonus are allocated;
    2. Within 8 months after reaching each of the contribution or transfer thresholds; and
    3. In accordance with the following:
      1. The investment choice(s) of the Eligible Account; and
      2. The unit prices of the relevant Constituent Fund(s) as of the date of allocation.
  7. The Bank shall not allocate any bonus unit to an Eligible Account to the extent that:
    1. The bonus unit to be allocated in respect of a constituent fund is less than 0.001 unit; or
    2. The Eligible Account has been cancelled or terminated as of the date the Bank allocates the bonus unit.
  8. Each bonus unit allocated to the Eligible Account is part of the account balance and is subject to the relevant fees and charges applicable to Hang Seng MPF. The bonus unit will be reflected as “Special Bonus” in the Mandatory Provident Fund Member Benefit Statement for the relevant scheme’s financial period. For details of the fees and charges, please refer to the MPF Scheme Brochure (including any supplements) and Key Scheme Information Document.
  9. Each Eligible Customer cannot transfer any bonus unit to other MPF members or convert the bonus unit into cash or cash equivalent, except where the Eligible Customer submits a valid withdrawal request for accrued benefits under the Mandatory Provident Fund Schemes Ordinance, applicable regulatory requirements, and/or the scheme rules of Hang Seng MPF.
  10. In the event of any disputes related to the bonus unit rebate, the Bank’s decision shall be final and conclusive.
  11. The Bank reserves the right to change these terms and conditions at any time and from time to time at its sole and absolute discretion. The Bank may also withdraw and/or terminate the bonus unit rebate at its sole and absolute discretion without prior notice.
  12. No person other than the Eligible Customer and the Bank (which include its successors and assigns) shall have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these terms and conditions.

Additional voluntary contributions, Flexi-Contributions and Tax Deductible Voluntary Contributions are accepted at the discretion of the trustee. The trustee reserves the absolute right not to accept any additional voluntary contributions, Flexi-Contributions and Tax Deductible Voluntary Contributions at any time.
This Offer is subject to the above terms and conditions and those of the MPF Scheme Brochure.
Investment involves risks. Past performance is not indicative of future performance. The value of financial instruments, in particular stocks and shares, and any income derived from such financial instruments, may go down as well as up. For further details including the product features and risks involved, please refer to the MPF Scheme Brochure.


PayDay+Offer 9

  1. This Offer is applicable to personal customers of the Bank but not applicable to corporate customers of the Bank.
  2. Subject to these terms and conditions, an Eligible Payroll Customer who settles the premium of an Eligible Application by using the Eligible Payroll 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") shall enjoy the Reward.
  3. “Eligible Applications” in this Offer refer to any successful application for a policy of eIncomePro Deferred Annuity Plan (100% Guaranteed) (in this Offer, the "Designated Life Insurance Plan") with Annual Payment Mode and designated promotion code provided during application during the Promotion Period. Any application towards the Designated Life Insurance Plans with unposted / cancelled / refunded premium will not qualify as an Eligible Application for the purpose of this Offer.
  4. 5x +FUN Dollars/yuu Points shall be awarded to the Eligible Customer based on the total premium payment required in 1st policy year of each Eligible Application (excluding premium levy and any premium discount or premium waiver), subject to a maximum of $960 +FUN Dollars or 240,000 yuu Points (depending on the Eligible Credit Card type) (in this Offer, the “Reward”). Please note that the amount of net premium due and paid qualified for tax deduction purpose does not include levy and is after deducting any marketing offers (e.g. premium discount, premium waiver, credit card reward points, other gift and rewards under tactical programs, etc.), and the actual tax benefits of this policy would depends 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 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.
  5. The extra +FUN Dollars / yuu Points shall be credited into the Eligible Credit Card accounts on or before 31 October 2025. Such credit card accounts must remain valid and in good standing when the relevant +FUN Dollars / yuu Points are credited. Customer can log on to Hang Seng Personal e-Banking (if applicable) or call the Bank’s 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899 to check the Reward details.
  6. USD1:HKD7.75 will be used as USD exchange rate for calculation. The Reward will be calculated based on the amount of each Eligible Application. The +FUN Dollars reward / yuu Points rewarded will be rounded down to the nearest dollar. The +FUN Dollars reward of less than $1 +FUN Dollars / yuu Point of less than 1 point will not be rewarded.
  7. All rewarded +FUN Dollars rebate / yuu Points cannot be transferred or converted into cash under any circumstances.
  8. Only policyholder whose policy of the Designated Life Insurance Plan is still effective by 31 July 2025 and before the +FUN Dollars / yuu Points fulfillment will be eligible for the Reward, subject to all the terms and conditions herein.
  9. Any transaction which is eventually cancelled / returned or found to be fraudulent will be considered as an ineligible transaction and does not qualify for this Offer, and the Reward will not be awarded.
  10. 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 to eligible customers at any time and from time to time without prior notice.
  11. Unless otherwise specified, this Offer cannot be used in conjunction with the Bank staff privileges and other +FUN Dollars promotions or yuu Points promotions.
  12. Hang Seng Insurance has the sole and absolute discretion to decide whether or not to accept the insurance application based on the information provided by the policyholder and/or the life insured(s) upon application.
  13. No person other than the customer, the Bank (which includes its successors and assigns) and Hang Seng Insurance (which includes its successors and assigns) shall 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.
  14. This Offer 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 shall be final.
  15. These terms and conditions form part of the relevant insurance contract upon successful application of Designated Life Insurance Plan and will be sent together with the policy pack to policyholder upon successful application.

PayDay+Offer 10

  1. Subject to these terms and conditions, each Eligible Payroll Customer who applies for a policy of CouponPower Guaranteed Life Insurance Plan (in this Offer, the "Designated Life Insurance Plan") with designated promotion code provided during application during the Promotion Period may receive an annualized guaranteed rate of return of up to 4.55% in relation to the Designated Life Insurance Plan.
  2. The actual annualized guaranteed rate of return is subject to the payment mode, policy currency and premium discount, and is determined from time to time by the Bank and Hang Seng Insurance at their sole and absolute discretion.
  3. Any application towards the Designated Life Insurance Plan with unposted / cancelled / refunded premium will not qualify as eligible application for the purpose of this Offer.
  4. Unless otherwise specified, this Offer shall not be used in conjunction with other promotional offers.
  5. Hang Seng Insurance has the sole and absolute discretion to decide whether or not to accept the insurance application based on the information provided by the policyholder and/or the life insured(s) upon application.
  6. No person other than the customer, the Bank (which includes its successors and assigns) and Hang Seng Insurance (which includes its successors and assigns) shall 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.
  7. This Offer 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 Offer, which shall be binding on all parties concerned. In case of any dispute, the decision of the Bank and Hang Seng Insurance shall be final.

PayDay+Offer 11

  1. This Offer includes the Premium Discount Offer and HKD400 e-Gift Voucher Offer (in this Offer, each a “Promotional Offer” and collectively the “Promotional Offers”).
  2. The Promotional Offers are only applicable to Eligible Payroll Customers who have not held, renewed or cancelled any Home Care Plus Home Insurance Plan, which is distributed by the Bank (“Designated General Insurance Plan”), in the capacity of policyholders in the period from 3 months prior to the Promotion Period up to the date of the application (in this Offer, the “Customers”).
  3. Chubb Insurance Hong Kong Limited ("Chubb") has the sole and absolute discretion to decide whether or not to accept an insurance application based on the information provided by the policyholder upon application.
  4. Customers should refer to the relevant terms and conditions below for details of the Promotional Offers.
  5. Different Promotional Offers may be provided for the same insurance plan through different enrollment methods. The Bank and Chubb reserve the right to amend or terminate the terms and conditions for relevant Promotional Offers without prior notice to the Customers. In case of any dispute, the decision of the Bank and Chubb shall be final.
  6. The Promotional Offers are not applicable to the staff of the Bank or its subsidiaries, or those who are eligible for staff offers of the Bank.
  7. Unless otherwise specified, these Promotional Offers can be used together, but cannot be used in conjunction with other promotional offers.
  8. No person other than the customer, the Bank (which includes its successors and assigns) and Chubb (which includes its successors and assigns) shall 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.

Terms and Conditions of the Premium Discount Offer

  1. Subject to these terms and conditions, during the Promotion Period, each Customer can enjoy a 20% first-year premium discount (applicable to both yearly and monthly premium payment method) upon successful application of the Designated General Insurance Plan (in this Offer, the “Premium Discount Offer”).
  2. The Premium Discount Offer is only available to any Customer who successfully applies for the Designated General Insurance Plan on Chubb’s website via designated link on either the Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking.

Terms and Conditions of the HKD400 e-Gift Voucher Offer

  1. Subject to these terms and conditions, during the Promotion Period, each Customer can enjoy a HKD400 e-Gift voucher of designated supermarket (in this Offer, the “e-Gift voucher”) upon successful application for the Designated General Insurance Plan on Chubb’s website in the capacity of the policyholder via designated link on either the Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking with the premium being settled with either the yearly payment method or monthly payment method, with monthly payment method requiring 7 consecutive months’ premium payment (“HKD400 e-Gift Voucher Offer”).
  2. The Customer must input a valid designated promotion code and provide a valid email address during the application of the Designated General Insurance Plan to enjoy the HKD400 e-Gift Voucher Offer.
  3. For the policy paid by yearly payment method, the e-Gift voucher will be sent to the email address mentioned above within 3 months after the policy has been issued; for the policy paid by monthly payment method, the e-Gift voucher will be sent to the email address mentioned above within 3 months after the Customer has paid 7 consecutive months of premium. The policy must remain effective and there must be no outstanding premium under the policy at the time when the e-Gift voucher is sent out. For enquiries, please contact Chubb’s Customer Service Hotline at (+852) 3191 6668 (9:00a.m. to 5:30p.m., Monday to Friday; closed on Saturday, Sunday and public holiday).
  4. The e-Gift voucher is non-exchangeable, non-redeemable and no changes can be made. The e-Gift voucher shall not be re-issued if lost or unused after the expiry date.
  5. The e-Gift voucher is only available while stocks last.
  6. The Bank and Chubb reserve the right to replace the e-Gift voucher at any time and from time to time without prior notice with another gift of which the value and nature may differ from those of the e-Gift voucher. In case of any dispute, the decision of the Bank and Chubb shall be final.
  7. The Bank and Chubb are not the suppliers of the e-Gift voucher and shall not assume any liability in relation to the e-Gift voucher. The supplier of the e-Gift voucher shall be solely responsible for all issues related to the e-Gift voucher and the quality and availability of the relevant products and services. Any dispute arising in relation to the e-Gift voucher shall be resolved between the customer and the relevant supplier. For details of how to use the e-Gift voucher, please refer to the relevant terms and conditions from the supplier of the e-Gift voucher.
  8. Should the policy be cancelled within the first policy year, the Bank reserves the right to deduct the amount equivalent to the value of the e-Gift voucher from any credit card or bank account of the customer maintained with the Bank without giving any prior notice.

PayDay+Offer 12

  1. This Offer includes the Premium Discount Offer and HKD200 e-Gift Voucher Offer (in this Offer, each a “Promotional Offer” and collectively the “Promotional Offers”).
  2. The Promotional Offers are only applicable to Eligible Payroll Customers who have not held, renewed or cancelled any Annual Global Cover, which is distributed by the Bank, in the capacity of policyholders in the period from 3 months prior to the Promotion Period up to the date of the application (in this Offer, the “Customers”).
  3. Chubb has the sole and absolute discretion to decide whether or not to accept an insurance application based on the information provided by the policyholder and/or the insured upon application.
  4. Customers should refer to the relevant terms and conditions below for details of the Promotional Offers.
  5. Different Promotional Offers may be provided for the same insurance plan through different enrollment methods. The Bank and Chubb reserve the right to amend or terminate the terms and conditions for relevant Promotional Offers without prior notice to the Customers. In case of any dispute, the decision of the Bank and Chubb shall be final.
  6. The Promotional Offers are not applicable to the staff of the Bank or its subsidiaries, or those who are eligible for staff offers of the Bank.
  7. Unless otherwise specified, these Promotional Offers can be used together, but cannot be used in conjunction with other promotional offers.
  8. No person other than the customer, the Bank (which includes its successors and assigns) and Chubb (which includes its successors and assigns) shall 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.

Terms and Conditions of the Premium Discount Offer

  1. Subject to these terms and conditions, during the Promotion Period, each Customer can enjoy a 30% first-year premium discount upon successful application of the Annual Global Cover (in this Offer, the “Premium Discount Offer”).
  2. The Premium Discount Offer is only available to any Customer who successfully applies for the Annual Global Cover on Chubb’s website via designated link on either the Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking.
  3. If any Customer cancels the Annual Global Cover policy upon successful enrollment, Chubb shall apply the short period rate to the premium for the period the policy has been in force, according to the Cancellation Clause under the Annual Global Cover policy.

Terms and Conditions of the HKD200 e-Gift Voucher Offer

  1. Subject to these terms and conditions, during the Promotion Period, each Customer can enjoy a HKD200 e-Gift voucher of designated supermarket (in this Offer, the “e-Gift voucher”) upon successful application for the Annual Global Cover on Chubb’s website in the capacity of the policyholder via designated link on either the Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking with the premium being settled with the yearly payment method (“HKD200 e-Gift Voucher Offer”).
  2. The Customer must input a valid designated promotion code and provide a valid email address during the application of the Annual Global Cover to enjoy the HKD200 e-Gift Voucher Offer.
  3. The e-Gift voucher will be sent to the email address mentioned above within 3 months after the policy has been issued. The policy must remain effective and there must be no outstanding premium under the policy at the time when the e-Gift voucher is sent out. For enquiries, please contact Chubb’s Customer Service Hotline at (+852) 3191 6668 (9:00a.m. to 5:30p.m., Monday to Friday; closed on Saturday, Sunday and public holiday).
  4. The e-Gift voucher is non-exchangeable, non-redeemable and no changes can be made. The e-Gift voucher will not be re-issued if lost or unused after the expiry date.
  5. The e-Gift voucher is only available while stocks last.
  6. The Bank and Chubb reserve the right to replace the e-Gift voucher at any time and from time to time without prior notice with another gift of which the value and nature may differ from those of the e-Gift voucher. In case of any dispute, the decision of the Bank and Chubb shall be final.
  7. The Bank and Chubb are not the suppliers of the e-Gift voucher and shall not assume any liability in relation to the e-Gift voucher. The supplier of the e-Gift voucher shall be solely responsible for all issues related to the e-Gift voucher and the quality and availability of the relevant products and services. Any dispute arising in relation to the e-Gift voucher shall be resolved between the customer and the relevant supplier. For details of how to use the e-Gift voucher, please refer to the relevant terms and conditions from the supplier of the e-Gift voucher.
  8. Should the policy be cancelled within the first policy year, the Bank reserves the right to deduct the amount equivalent to the value of the e-Gift voucher from any credit card or bank account of the customer maintained with the Bank without giving any prior notice.

PayDay+Offer 13

  1. This Offer includes the Premium Discount Offer and HKD150 e-Gift Voucher Offer (in this Offer, each a “Promotional Offer” and collectively the “Promotional Offers”).
  2. The Promotional Offers are only applicable to Eligible Payroll Customers who have not held, renewed or cancelled any Annual China Cover, which is distributed by the Bank, in the capacity of policyholders in the period from 3 months prior to the Promotion Period up to the date of the application (in this Offer, the “Customers”).
  3. Chubb has the sole and absolute discretion to decide whether or not to accept an insurance application based on the information provided by the policyholder and/or the insured upon application.
  4. Customers should refer to the relevant terms and conditions below for details of the Promotional Offers.
  5. Different Promotional Offers may be provided for the same insurance plan through different enrollment methods. The Bank and Chubb reserve the right to amend or terminate the terms and conditions for relevant Promotional Offers without prior notice to the Customers. In case of any dispute, the decision of the Bank and Chubb shall be final.
  6. The Promotional Offers are not applicable to staff of the Bank or its subsidiaries, or those who are eligible for staff offers of the Bank.
  7. Unless otherwise specified, these Promotional Offers can be used together, but cannot be used in conjunction with other promotional offers.

Terms and Conditions of the Premium Discount Offer

  1. Subject to these terms and conditions, during the Promotion Period, each Customer can enjoy a 20% first-year premium discount upon successful application of the Annual China Cover (in this Offer, the “Premium Discount Offer”).
  2. The Premium Discount Offer is only available to any Customer who successfully applies for the Annual China Cover on Chubb’s website via designated link on either the Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking.
  3. If any Customer cancels the Annual China Cover policy upon successful enrollment, Chubb shall apply the short period rate to the premium for the period the policy has been in force, according to the Cancellation Clause under the Annual China Cover policy.

Terms and Conditions of the HKD150 e-Gift Voucher Offer

  1. Subject to these terms and conditions, during the Promotion Period, each Customer can enjoy a HKD150 e-Gift voucher of designated supermarket (in this Offer, the “e-Gift voucher”) upon successful application for the Annual China Cover on Chubb’s website in the capacity of the policyholder via designated link on either the Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking with the premium being settled with the yearly payment method (“HKD150 e-Gift Voucher Offer”).
  2. The Customer must input a valid designated promotion code and provide a valid email address during the application of the Annual China Cover to enjoy the HKD150 e-Gift Voucher Offer.
  3. The e-Gift voucher will be sent to the email address mentioned above within 3 months after the policy has been issued. The policy must remain effective and there must be no outstanding premium under the policy at the time when the e-Gift voucher is sent out. For enquiries, please contact Chubb’s Customer Service Hotline at (+852) 3191 6668 (9:00a.m. to 5:30p.m., Monday to Friday; closed on Saturday, Sunday and public holiday).
  4. The e-Gift voucher is non-exchangeable, non-redeemable and no changes can be made. The e-Gift voucher will not be re-issued if lost or unused after the expiry date.
  5. The e-Gift voucher is only available while stocks last.
  6. The Bank and Chubb reserve the right to replace the e-Gift voucher at any time and from time to time without prior notice with another gift of which the value and nature may differ from those of the e-Gift voucher. In case of any dispute, the decision of the Bank and Chubb shall be final.
  7. The Bank and Chubb are not the suppliers of the e-Gift voucher and will not assume any liability in relation to the e-Gift voucher. The supplier of the e-Gift voucher shall be solely responsible for all issues related to the e-Gift voucher and the quality and availability of the relevant products and services. Any dispute arising in relation to the e-Gift voucher shall be resolved between the customer and the relevant supplier. For details of how to use the e-Gift voucher, please refer to the relevant terms and conditions from the supplier of the e-Gift voucher.
  8. Should the policy be cancelled within the first policy year, the Bank reserves the right to deduct the amount equivalent to the value of the e-Gift voucher from any credit card or bank account of the customer maintained with the Bank without giving any prior notice.

PayDay+Offer 14

  1. The offer period is from 1 May 2025 to 30 June 2025 (both days inclusive) (“Offer Period”).
  2. This Offer is applicable to Private Banking, Prestige Private, Commercial Banking and Global Banking Customers, Prestige Banking and Preferred Banking customers of the Bank, each of whom having met one of the below criteria (in this Offer, the “Eligible Customer”):
    1. The customer is holding a Hong Kong Dollar and/or Foreign Currency Time Deposit at the Bank, with a minimum deposit amount as stated below or equivalent, a tenor of 3 months or above and a maturity date on or after 30 June 2025;
    2. The customer is holding a Hong Kong Dollar and/or Foreign Currency Time Deposit at the Bank, with a minimum deposit amount as stated below or equivalent, a deposit placement date between 1 April 2024 and 31 March 2025 (both days inclusive), a tenor of 3 months or above and a maturity date during the period from 1 April 2025 and 30 June 2025 (both days inclusive);
    3. The customer has a Capital Protected Investment Deposit / Certificate of Deposit / Bond (except Government Bond) with a minimum investment amount as stated below or equivalent in a single transaction, a tenor of 3 months or above and a maturity date falling between 1 April 2025 to 30 June 2025 (both days inclusive); Or
      Private Banking / Prestige Private / Commercial Banking and Global Banking Prestige Banking Preferred Banking
      Minimum deposit or investment amount HKD300,000 HKD300,000 HKD100,000
    4. (Only applicable to Prestige Private, Prestige Banking and Preferred Banking customers) The customer is a non-local resident who has a Hong Kong Dollar or United States Dollar Time Deposit at the Bank that fulfils all of the following criteria:
      1. A minimum deposit amount of at least HKD50,000 or USD10,000, respectively;
      2. A deposit placement date between 1 April 2024 and 31 March 2025 (both days inclusive);
      3. A tenor of 3 months or above; and
      4. A maturity date between 1 April 2025 and 30 June 2025 (both days inclusive).
    5. (Only applicable to Prestige Private, Prestige Banking and Preferred Banking customers who: (i) are not staff of the Bank or its subsidiaries, and (ii) are ineligible for staff offer of the Bank) The customer is an Eligible Payroll Customer who meets all of the following requirements:
      1. The customer did not have any 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 October 2024 to 31 December 2024 (both dates inclusive); and
      2. The customer successfully sets up payroll service with first Eligible Payroll Record made during the period from 1 January 2025 to 30 June 2025 (both dates inclusive); and
      3. When notifying eligible policyholders about this Offer, the customer must still maintain a valid Payroll Account.
  3. This Offer is applicable to DragonPower Life Insurance Plan, PhoenixPower Life Insurance Plan, IncomePower Life Insurance Plan, LegendPower Life Insurance Plan and FamilyPower Multi-Currency Life Insurance Plan (in this Offer, the “Designated Life Insurance Plans”).
  4. Each Eligible Customer has to successfully apply for any Designated Life Insurance Plan as policyholder during the Offer Period via branch/video remote application (“Eligible Policyholder”) and the policy must be successfully issued within 90 days after the date of application (“Eligible Policy”) to be entitled to the Reward.
  5. If an Eligible Customer has applied for more than one Eligible Policy during the Offer Period, the total premiums (before applying relevant premium discount (if any)) of all Eligible Policies will be calculated for this Offer.
  6. Subject to these terms and conditions, an Eligible Policyholder will be entitled to the designated amount of shopping coupon (in this Offer, the “Reward”) once the total premium of the Eligible Policy(ies) has reached the requirements as listed below:
    Total Premiums(before applying relevant Premium Discount (if any)) Private Banking / Prestige Private / Commercial Banking and Global Banking Prestige Banking Preferred Banking
    HKD200,000 - HKD499,999 HKD600 shopping coupon HKD400 shopping coupon HKD200 shopping coupon
    HKD500,000 - HKD999,999 HKD800 shopping coupon HKD600 shopping coupon HKD400 shopping coupon
    HKD1,000,000 - HKD1,999,999 HKD1,200 shopping coupon HKD1,000 shopping coupon HKD800 shopping coupon
    HKD2,000,000 or above HKD2,400 shopping coupon HKD2,000 shopping coupon HKD1,500 shopping coupon
  7. The Designated Life Insurance Plan’s application date should not be the same date as the Time Deposit / Capital Protected Investment Deposit / Certificate of Deposit/Bond (except Government Bond) placement date.
  8. This Offer is not applicable to customers who have early uplifted / terminated / withdrawn before maturity their Time Deposit and/or Capital Protected Investment Deposit / Certificate of Deposit / Bond (except Government Bond). Each Eligible Customer is not required to use any of the funds from the Matured Time Deposit and/or Capital Protected Investment Deposit / Certificate of Deposit / Bond (except Government Bond) for premium payment under this Offer. Premium contribution of any Designated Life Insurance Plan does not need to come from the Matured Time Deposit and/or Capital Protected Investment Deposit / Certificate of Deposit / Bond (except Government Bond) of the Eligible Customer, and the premium amount is not connected with the amount of Matured Time Deposit and/or Capital Protected Investment Deposit / Certificate of Deposit / Bond (except Government Bond) of the Eligible Customer.
  9. Each Eligible Customer can only enjoy the Reward of this Offer once.
  10. Any applications for the above Designated Life Insurance Plans with unposted/cancelled/refunded premium will not qualify as Eligible Policy for the purpose of this Offer.
  11. The Bank will notify Eligible Policyholders of the Reward’s collection and redemption details on or before 30 September 2026. The Reward shall be based on the account level at the time of notification of the redemption.
  12. The Bank and Hang Seng Insurance are not the supplier of the Reward and will not assume any liability in relation to it. The supplier shall be solely responsible for all issues related to the quality and availability of the Reward and the relevant products and services. Any dispute arising in relation to the Reward shall be resolved between customer and the relevant supplier. For details of the terms and conditions of the Reward, please refer to the website of the relevant supplier or the Reward.
  13. The Reward cannot be converted into cash or other gifts or benefits under any circumstances.
  14. Only Eligible Policyholder who is an Eligible Customer and whose Eligible Policy(ies) is/are still effective on the expiry of the cooling-off period(s) shall be eligible for the Reward, subject to all the terms and conditions herein.
  15. Any transaction which is eventually cancelled, returned or found to be fraudulent will be considered as an ineligible transaction and does not qualify for this Offer.
  16. This Offer is jointly offered by the Bank and Hang Seng Insurance. In case of dispute arising out of the Offer and/or the Reward, the decision of the Bank and Hang Seng Insurance shall be final and conclusive, which shall be binding on all parties concerned.
  17. Hang Seng Insurance shall have the sole and absolute discretion to decide whether or not to accept the insurance application based on the information provided by the Eligible Policyholder and/or the life insured(s) upon application.
  18. The Bank and Hang Seng Insurance reserve the right to vary or convert the Reward to other forms of rewards to the Eligible Policyholder at any time and from time to time without prior notice and without assigning any reasons whatsoever, the value and nature of the other rewards may differ from those of the Reward. In case of any disputes, the decision of the Bank and Hang Seng Insurance shall be final.
  19. The Bank and Hang Seng Insurance reserve the right to adjust, withdraw or cancel the Offer and/or the Reward and to amend or revise any of these terms and conditions at any time without prior notice and without assigning any reasons whatsoever.
  20. No person other than the Eligible Policyholder, the Bank (which includes its successors and assigns) and Hang Seng Insurance (which includes its successors and assigns) shall 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.

PayDay+Offer 15

  1. The offer is applicable to Eligible Payroll Customers who fulfil the following requirements (“New 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 during the period from 1 January 2025 to 29 April 2025; and
    2. Successfully set up payroll service with first Eligible Payroll Record made during the period from 30 April 2025 to 31 July 2025
  2. The Promotional Offers are not applicable to staff of the Bank.
  3. From now till 30 June 2025, New Payroll Customers who apply for Hang Seng Travel+ Visa Signature Card, Hang Seng MMPOWER World Mastercard or Hang Seng Prestige World Mastercard and whose applications are successfully approved on or before 31 July 2025, can get extra $100 +FUN Dollars on top of the welcome offer upon meeting the designated Welcome Offers spending requirement.
    Credit Card Existing Welcome Offers Reward
    Hang Seng Prestige World Mastercard Up to $700 +FUN Dollars
    Hang Seng Travel+ Visa Signature Card Up to $700 +FUN Dollars
    Hang Seng MMPOWER World Mastercard Up to $700 +FUN Dollars
  4. The Bank will credit the relevant Welcome Offer +FUN Dollars to the relevant credit card principal account of the New Payroll Customer within 3 months of fulfilling the eligibility requirements in (c). For more details, please visit Hang Seng Travel+ Visa Signature Card, Hang Seng MMPOWER World Mastercard or Hang Seng Prestige World Mastercard product page.
  5. The Bank will credit the extra $100 +FUN Dollars to the relevant principal card account according to the schedule below and each New Payroll Customer can enjoy a maximum of extra $100 +FUN Dollars under this offer throughout the Promotion Period:
    Card approval date Fulfilment date
    On or before 31 July 2025 On or before 31 December 2025
  6. The relevant card account of the New Payroll Customer must remain valid, and the relevant credit card account must be still valid and in good standing when the +FUN Dollars are granted.

PayDay+Offer 16

  1. During 30 April 2025 to 25 May 2025 (both dates inclusive), Eligible Payroll Customers who have successfully applied for and drawn down the Hang Seng Handy Cash Personal Instalment Loan (excluding Top-up loan, Debt Consolidation Instalment Loan, Electric Vehicle Loan) (the “Loan”) with the below designated amount and repayment period and have two Eligible Payroll Records, each at not less than HKD5,000 in any two months from June to August of 2025, will be entitled to up to HKD8,800 cash rebate. Each Eligible Payroll Customers can enjoy this offer once during the period specified in this clause.

    The applicable cash rebate for the corresponding drawdown amount is shown as below.
    Drawdown amount Repayment Period
    24 months 36-48 months 60 months
    HKD50,000 – HKD99,999 HKD200 HKD300 HKD500
    HKD100,000 – HKD199,999 HKD300 HKD600 HKD1,000
    HKD200,000 - HKD499,999 HKD500 HKD1,000 HKD1,000
    HKD500,000 - HKD999,999 HKD500 HKD1,500 HKD2,000
    HKD1,000,000 - HKD1,499,999 HKD800 HKD2,500 HKD3,000
    HKD1,500,000 or above HKD1,200 HKD5,000 HKD8,800
  2. Cash rebate will be credited to Eligible Payroll Customer's repayment account by 30 September 2025 without any prior notice. Eligible Payroll Customers must have no record of default or early settlement of the Loan, still maintain valid Payroll Account, a relevant valid loan and repayment account before the rebate is credited, or he/she shall be deemed to have forfeited the right to receive the relevant cash rebate. If customers settle the Loan ahead of schedule after the cash rebate has been credited, he/she shall return the cash rebate in full to the Bank upon settlement of the Loan.

For the full details of the services and promotion of Personal Instalment Loan, please refer to the Bank website (Loans>Personal Instalment Loan).


PayDay+Offer 17

  1. Eligible Payroll Customers who have successfully applied for the private residential mortgage loan from now until 30 Jun 2025 and drawn down the mortgage loan amount with HKD4,000,000 or above on or before 31 December 2025 will be entitled to cash rebate.
  2. The final cash rebate amount is subject to the customer’s financial situation, repayment ability and loan amount. Cash rebate will be credited to Eligible Payroll Customer’s designated mortgage repayment account after the loan drawdown.
  3. The final approval of the mortgage application is subject to the decision of the Bank.
  4. The Eligible Payroll Customers must still maintain a valid Payroll Account on 31 March 2026. Otherwise, the Eligible Payroll Customer is required to refund the cash rebate amount to the Bank, which will be debited from the customer’s loan repayment account without any prior notice.
  5. This cash rebate offer is not applicable to the staff of the Bank, or those who are eligible for the staff offers of the Bank.
  6. Each mortgage application can only enjoy this cash rebate offer once.

Preferred Banking Offer 18

  1. The promotion period is from 30 April 2025 to 30 June 2025. 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 within 7 calendar days of account opening date and maintain the designated amount for 10 calendar days thereafter are entitled to HKD200 cash rebate.
    1. The Bank will determine the eligibility of the Eligible Preferred Banking Customer of Offer 18 based on the record of their deposit balance in the Hong Kong Dollar Savings Account / Hong Kong Dollar Current Account held by the Bank. The Bank’s records shall be final and conclusive.
    2. The cash reward will be credited into the Hong Kong Dollar Savings/Current Account of each Eligible Preferred Banking Customer of Offer 18 on or before 31 December 2025.  At the time the cash reward is credited, Eligible Preferred Banking Customer of Offer 18 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 Eligible Preferred Banking Customer can enjoy Offer 18 only once during the Promotion Period.

Preferred Banking Offer 19

Total Relationship Balance Growth Reward
Fund-in and maintain the designated “Total Relationship Balance” Growth Amount within designated months, switch to Hang Seng PayDay+ for payroll service and grow foreign currency deposits by minimum HKD30,000 equivalent to enjoy respective cash rebate (as shown in the table below).

Designated “Total Relationship Balance” Growth Amount Total Relationship Balance Growth Reward Payroll Reward^ Foreign Currency Deposits Incremental Reward* Total cash rebate
HKD100,000 or above – Below HKD200,000 HKD200 HKD400 HKD100 HKD700
HKD200,000 or above – Below HKD500,000 HKD600 HKD400 HKD100 HKD1,100
HKD500,000 or above HKD1,200 HKD400 HKD100 HKD1,700
^Switch to Hang Seng PayDay+ for payroll service
*Grow foreign currency deposits (including savings, current and time deposits accounts) by minimum HKD30,000 equivalent

The designated month of opening/upgrading to Preferred Banking:

Date of opening/upgrading to Preferred Banking Month of comparing designated “Total Relationship Balance” Growth Amount Months for which designated “Total Relationship Balance” Growth Amount and “Total Relationship Balance” requirement must be maintained/fulfilled Months for which payroll services has been switched Designated Foreign Currency Deposits Growth Period
30 April 2025 March 2025 June 2025 to August 2025 31 August 2025 June 2025 to August 2025
May 2025 April 2025 July 2025 to September 2025 31 August 2025 July 2025 to September 2025
June 2025 May 2025 August 2025 to October 2025 31 August 2025 August 2025 to October 2025

  1. The promotion period is from 30 April 2025 to 30 June 2025. Eligible Preferred Banking Customers 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 Preferred Banking Customer 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 Eligible 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 Preferred Banking Customers 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 New/Upgrade 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”).

    Cash Reward Table

    Designated Total Relationship Balance Growth Amount Cash Reward
    HKD100,000 or above – Below HKD200,000 HKD200
    HKD200,000 or above – Below HKD500,000 HKD600
    HKD500,000 or above HKD1,200

    Total Relationship Balance Growth Reward Time Table

    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 for which designated “Total Relationship Balance” Growth Amount and “Total Relationship Balance” requirement must be maintained/fulfilled Date of Cash Reward rebate
    30 Apr 2025 March 2025 On or before 31 May 2025 June 2025 to August 2025 On or before 31 December 2025
    May 2025 April 2025 On or before 30 June 2025 July 2025 to September 2025
    June 2025 May 2025 On or before 31 July 2025 August 2025 to October 2025
  6. If an Eligible Customer opens/ upgrades to Preferred Banking on 30 April – 30 June 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 31 December 2025. 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 New Customer(s) has opened Preferred Banking and activated an Investment Account in May 2025, the “Total Relationship Balance” (TRB) is HKD0 in April 2024 (the month prior to the account opening month):

    TRB in May 2025 (HKD) TRB in June 2025 (HKD) TRB in July 2025 (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 the Existing Customer(s) has upgraded to Preferred Banking and activated an Investment Account in May 2025, the “Total Relationship Balance” (TRB) is HKD90,000 in April 2024 (the month prior to the account upgrading month):

    TRB in May 2025 (HKD) TRB in June 2025 (HKD) TRB in July 2025 (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.
  9. Total Relationship Balance Growth Reward – Payroll Reward
    1. The Promotion is only applicable to Eligible Total Relationship Balance Incremental Reward Customer who fulfils the following requirements (“Eligible Payroll Customers”):
      • 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 period based on the date of the customer opening/upgrading to Preferred Banking as stipulated in the table below and
      • 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 31 August 2025, and maintain the Eligible Payroll Record in each calendar month in the Eligible Payroll Account until the cash reward is credited. 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
        30 April 2025 October 2024 – December 2024 31 August 2025 On or before 31 December 2025
        1 May 2025 – 5 May 2025 October 2024 – December 2024
        6 May 2025 – 30 June 2025 1 January 2025 – 5 May 2025
    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 31 December 2025. 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 Customers opens more than one Preferred Banking Account during the Promotion Period, his/her entitlement to the Eligible Payroll Customers will be based on the Preferred Banking Account with the earliest account opening date. Each Eligible Payroll Customers can enjoy this Offer only once during the Promotion Period.
  10. Total Relationship Balance Growth Reward – Foreign Currency Deposit Incremental Reward
    1. The Offer is only applicable to Eligible Total Relationship Balance Incremental Reward Customer, and his/her foreign currency (excluding HKD) deposits account(s) (including savings account(s), current account(s), and time deposits account(s)) maintained with the Bank in his/her sole name or in the capacity as the primary account holder in the case of a joint account (“Eligible Foreign Currency Deposit Account(s)”).
    2. According to the below Fund-in Requirement Schedule, Eligible Total Relationship Balance Incremental Reward Customer with “Eligible Incremental Balance” of minimum HKD30,000 or its equivalent throughout “Designated Foreign Currency Deposits Growth Period” will be entitled to an extra HKD100 cash reward. (“Eligible Foreign Currency Deposits Incremental Reward Customer”)
    3. Fund-in Requirement Schedule
      Date of opening/upgrading to Preferred Banking Designated Foreign Currency Deposits Comparison Date Designated Foreign Currency Deposits Growth Period Date of Cash Reward Rebate
      30 April 2025 31 March 2025 June to August 2025 On or before 31 December 2025
      May 2025 30 April 2025 July to September 2025
      June 2025 31 May 2025 August to October 2025
    4. “Eligible Incremental Balance” refers to the incremental of the daily average balance of all Eligible Foreign Currency Deposit Account(s) in “Designated Foreign Currency Deposits Growth Period” as compared with the period end balance on “Designated Foreign Currency Deposits Comparison Date”.
      • If the customer got a negative balance or did not hold any Eligible Foreign Currency Deposit Account on the Designated Foreign Currency Deposits Comparison Date, it will be treated as zero in the Eligible Incremental Balance calculation.
      • In the case of any funds transfer made after 9pm on Mondays to Fridays or 6pm on Saturdays, and cheques deposited after the cut-off time of the Bank, the deposit balance will be updated on the next working day. All the related account deposit balances shall be based on the records of the Bank.
      • Example of the Eligible Incremental Balance calculation

      Example 1: Assuming that the customer has upgraded to Preferred Banking on 2 May 2025, and has fulfilled the balance growth requirement before the Designated Foreign Currency Deposits Growth Period:

      USD Deposit Balances and Transactions Amount in HKD or its equivalent
      USD deposit balance on 30 Apr 2025: $100,000
      Fund in on 8 May 2025: +$100,000
      Fund out on 23 Jun 2025: -$20,000
      Assuming no transaction made after 23 Jun 2025, daily average balance from Jul to Sep 2025: $180,000 (Eligible Incremental Balance: $80,000)

      Example 2: Assuming that the customer has upgraded to Preferred Banking on 2 May 2025, andgradually deposited new funds during the Designated Foreign Currency Deposits Growth Period:

      USD Deposit Balances and Transactions Amount in HKD or its equivalent
      USD deposit balance on 30 Apr 2025: $100,000
      Assuming no transaction made during May to 13 Jul 2025, USD deposit balance from 1 - 13 Jul 2025 (13 days): $100,000
      Fund in on 14 Jul 2025: +$100,000
      USD deposit balance from 14 Jul - 21 Aug 2025 (39 days): $200,000
      Fund in on 22 Aug 2025: +$50,000
      USD deposit balance from 22 Aug - 30 Sep 2025 (40 days): $250,000
      Daily average balance from Jul to Sep 2025: $207,608 (Eligible Incremental Balance: $107,608)
      The illustration above is taking the USD transactions of a customer who upgrade to Preferred Banking in May 2025 as an example. The same calculation applies to transactions in other currencies and months.
    5. Eligible Incremental Balance will be converted into the HKD equivalent amount based on the exchange rate of each foreign currency solely determined by the Bank on 31 October 2025.
    6. The Cash Reward will be credited into the Hong Kong Dollar Savings/Current Account of the Eligible Foreign Currency Deposits Incremental Reward Customer according to the corresponding “Date of Cash Reward Rebate” on or before 31 December 2025. At the time the cash reward is credited, the Eligible Foreign Currency Deposits Incremental Reward Customer 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.
    7. If any Eligible Foreign Currency Deposits Incremental Reward Customer opens more than one Preferred Banking Account during the Promotion Period, his/her entitlement to the Foreign Currency Deposits Incremental Reward will be based on the Preferred Banking Account with the earliest account opening date. Each Eligible Foreign Currency Deposits Incremental Reward Customer can enjoy this Offer only once during the Promotion Period.
    8. This Offer cannot be used in conjunction with other savings offers of the same currency.

Preferred Banking Offer 20

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

Designated credit card New customers successfully apply designated credit card and fulfil spending requirement New 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 Offer 20 with Hang Seng Travel+ Visa Signature Card Welcome Offer, the promotion period is from now to 30 June 2025. Customers who have successfully applied for Principal Card of Hang Seng Travel+ Visa Signature Card on or before 30 June 2025 and whose applications are successfully approved on or before 31 July 2025 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 Offer 20 with Hang Seng MMPOWER World Mastercard Welcome Offer, the promotion period is from now to 30 June 2025. Customers who have successfully applied for Principal Card of Hang Seng MMPOWER World Mastercard on or before 30 June 2025 and whose applications are successfully approved on or before 31 July 2025 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. For Offer 20 with Hang Seng University / College Affinity Credit Card Weclome Offer, the promotion period is from now to 30 June 2025. Customers who have successfully applied for University/College Affinity Credit Card on or before 30 June 2025 and fulfilled the designated spending requirements of welcome offer are entitled to up to $700 +FUN Dollars. For details, please visit hangseng.com/ucardspromo.
  4. New payroll customers successfully apply Hang Seng Travel+ Visa Signature Card or Hang Seng MMPOWER World Mastercard can enjoy extra $100 +FUN Dollars welcome offer. Extra $100 +FUN Dollars welcome offer will credit to the relevant principal card account on or before 31 December 2025 (*for new payroll customers only and equivalent to PayDay+ offer 15, please refer to its full terms & conditions)
  5. When customer achieve 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 Preferred Banking of Eligible Customers must remain valid, and the relevant credit card account must be still valid and in good standing when the +FUN Dollars are granted.


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
This document by itself is not and should not be considered as an offer, recommendation or solicitation to deal in any of the insurance products or services mentioned herein. Please refer to the promotion leaflets / flyers and policy provisions for the important information such as detailed coverage, exact terms and conditions and exclusions of the relevant Designated Life Insurance Plans.
Please refer to the product brochures for the relevant product risks.
The Designated Life Insurance Plans in Offers 9, 10 and 14 are underwritten by Hang Seng Insurance. Hang Seng Insurance is authorised and regulated by the Insurance Authority in Hong Kong. The Bank is an insurance agency authorised by Hang Seng Insurance for distribution of these plans, and the insurance products are products of Hang Seng Insurance but not the Bank. Upon application for these plans, 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 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 you out of the selling process or processing of the related insurance product transactions, 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.


General Insurance Plan
The general insurance plans in Offers 11, 12 and 13 are underwritten by 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.

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

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