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Terms and Conditions apply to all the products/services and offers above. Please click here for detailed Terms and Conditions of Preferred Banking Promotion.

The promotion is intended for persons in Hong Kong.

1. The promotion period is from 2 July 2026 to 30 September 2026, for new eligible payroll customers who register for the offer via the Hang Seng Mobile App. Phase 2 of the offer will commence in the calendar month immediately following the completion of Phase 1 (e.g. if Phase 1 runs from July to September, Phase 2 will commence in October). Terms and conditions apply, please visit hangseng.com/usage18 for details.
2. The offer is for new payroll customers who have their first payroll recorded between 1 July 2026 to 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!
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.
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.
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!
6. The promotion period is from 1 July 2026 to 30 September 2026. Terms and conditions apply to the promotion offer and insurance plan. Please note the relevant product risks. The above general insurance plan is underwritten by Chubb Insurance Hong Kong Limited. 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.
7. SimplyStock is designed for investors aged 18 to 30. With just a monthly fee of HKD30, trade HK Stocks, US Stocks and A Shares with $0 brokerage fee (for monthly total trading amount up to HKD300,000).
8. The promotion period 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. Investment involves risks. Terms and conditions apply. For details, please visit hangseng.com/stockoffer.
9. The promotion period 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 details, please visit hangseng.com/stockoffer.
10. 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.
11. 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/stockoffer.
12. The promotion period is from 1 July 2026 to 30 September 2026. Each New Preferred Banking Customer who successfully opens Preferred Banking account via Hang Seng Mobile App (excluding branch assisted mode) with initial fund-in of HKD20,000 or above within the month of account opening into the corresponding Hong Kong Dollar Savings/Current Account, and maintains the deposit balance in Eligible Deposit Account until the second month after account opening month, and successfully registers e-Banking will be entitled to HKD200 reward. Terms and conditions apply, for details, please refer to the Terms and Conditions of Preferred Banking Promotion. Timetable:

    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

13. The promotion period is from 1 July 2026 to 30 September 2026. New Preferred Banking Customers/upgrade customers fund-in and maintain the designated amount and according to designated month(s) (as shown in the table below) to enjoy up to HKD3,500 cash rewards. Terms and Conditions apply, for details, please refer to the Terms and Conditions of Preferred Banking Promotion. The designated month:

    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
    July 2026	June 2026	September 2026 – November 2026
    August 2026	July 2026	October 2026 – December 2026
    September 2026	August 2026	November 2026 – January 2027

14. The promotion period is from 1 July 2026 to 30 September 2026. Eligible Preferred Banking Customers placing HKD 2-month time deposit(s) with “Eligible New Fund Balance” of HKD10,000 or above via Online Banking (including Hang Seng Mobile App or Hang Seng Personal e-Banking) and completing the designated item(s) from the account opening/upgrade date to 31 October 2026, is entitled to receive the corresponding number of lucky draw entry to boost the Total Interest Rate on that time deposit (up to HKD100,000) to 10% p.a.. 300 winners will be drawn on a random basis on or before 31 January 2027. Terms and conditions apply. For details, please refer to the Terms and Conditions of Preferred Banking Promotion.
15. 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!
16. 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!
17. The promotion period is from now to 31 December 2026. Customers who have successfully applied for University/College 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!
18. The promotion period is from 1 July 2026 to 30 September 2026. 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.  Visit hangseng.com/onlinefx for more details. Terms and conditions apply. FX involves risk.
19. The promotion period is from 1 July 2026 to 30 September 2026. For Eligible Designated Customers only. Terms and conditions apply. Please visit hangseng.com/ebankingoffer2 for more details.
20. The promotion period is from 1 July 2026 to 30 September 2026. Investments involve risks. Terms and Conditions apply. For details, please visit hangseng.com/stockoffer. Also, please note the relevant risks related to trading of odd lots.The approximate stock value is calculated based on its market closing price per share on 1 June 2026.
21. The promotion period is from 1 July 2026 to 30 September 2026. Services and offers are subject to terms and conditions. eIncomePro Deferred Annuity Plan (100% Guaranteed) is certified by the 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 IA does not take any responsibility for the contents of the product brochure of the policy, makes no representation as to its accuracy or completeness, expressly disclaims any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of the product brochure of the policy. The QDAP status of the Plan does not necessarily mean you are eligible for tax deduction available for QDAP premiums paid. The product’s QDAP status is based on the features of the product as well as certification by the IA and not the facts of your own situation. You must also meet all the eligibility requirements set out under the Inland Revenue Ordinance and any guidance issued by the Inland Revenue Department of HKSAR before you can claim these tax deductions. 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 policy would depend on personal tax position (e.g. salaries income and assessable profits). You should always consult with a professional tax advisor if you have any doubts. 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. 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. We 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. Please note the relevant product risks, credit risks and early surrender loss. The tax amount shall be determined by the IRD. To borrow or not to borrow? Borrow only if you can repay!
22. 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.
23. The promotion period is from 1 July 2026 to 30 September 2026. 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.
24. The promotion period is from 1 June 2026 to 30 September 2026. For exchange of designated currencies and set up of 1-week or 1-month time deposit at the same time with designated transaction amount. The above interest rate offers are quoted with reference to the interest rates offered by the Bank on 1 June 2026 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions. Terms and conditions apply. Visit hangseng.com/forexoffer for more details.
25. "Eligible New Fund Balance" refers to the incremental balance when comparing the latest deposit balance with the balance of the same currency as of 15 calendar days ago, after deduction of the sum of principal amount which has been entitled to new fund offer of Time Deposit within the last 15 calendar days (including time deposit placement date). The balance of all accounts, including Savings Accounts, Current Accounts and Time Deposits of Hong Kong Dollar and foreign currencies (whether accounts in sole name or joint name), will be counted towards the calculation of "Eligible New Fund Balance". The Bank reserves the right of final decision should there be any dispute in the definition of "Eligible New Fund Balance". Foreign exchange involves exchange rate risk. Terms and Conditions apply. For details, please visit hangseng.com/depositspromo5.
26. 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.
27. 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.
28. 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.
29. 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.
30. a) $0 fees on foreign currency transaction and cash withdrawal from Hang Seng and HSBC Group ATM networks.
    b) When withdrawing cash overseas from non-HSBC 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.
    c) Terms and conditions apply. For details, please visit hangseng.com/mcy_debit.  
31. Promotion period of the offer is from 1 July 2026 to 30 September 2026. Foreign exchange involves exchange rate risk. Terms and conditions apply, please visit hangseng.com/mcy_debit for details.