Latest Investment Products and Services
Hang Seng is committed to offering a diverse range of products and improving services to enhance customer experience continuously. Check out below to explore the latest investment products and services for each quarter in 2026!
New Funds
New Funds
Launched since 
- 
2025
This quarter, we’ve got a selection of bond and equity fund choices:
- Franklin Diversified Income Fund
USD Flexible Bond
Exclusive fund - Hang Seng Asian Growth And Income Fund
Asia Allocation
Exclusive fund - First Sentier RQI Global Value Fund
Global Large-Cap Value Equity - Templeton Select APAC Equity Income Fund
Asia Allocation - UBS (LUX) Global High Yield Bond Fund
Global High Yield Bond - Allianz Global Floating Rate Notes Plus
USD Corporate Bond -
Short Term
Latest Structured Note Products (Capital Protected)
Latest Structured Note Products (Capital Protected)
Launched since 
2026
Callable Inverse Floater Notes
- The newly launched note is linked to interest rates, where return would increase as the underlying interest rate goes down
- 100% capital protected at maturity; product risk level 1-2
- Investment tenor starts from 3 months
- The issuer may choose to redeem the notes before maturity
Third party issued Bonds & CDs
Third party issued Bonds & CDs
Launched since 
- 2025
Wider choice of issuers and currencies available now! Invest online from HKD10,000.
Issuer
Agricultural Bank of China Limited
- Singapore Branch
- Sydney Branch
- Tokyo Branch
Bank of China Limited
- Macau Branch
- Seoul Branch
- Singapore Branch
- Sydney Branch
China Construction Bank Corporation
- Seoul Branch
- Singapore Branch
- Tokyo Branch
CMB Wing Lung Bank Limited
- Sydney Branch
Industrial and Commercial Bank of China Limited
- Dubai (DIFC) Branch
- Doha Branch
- Macau Branch
- Seoul Branch
KDB Asia Limited
New South Wales Treasury Corporation
Queensland Treasury Corporation
Treasury Victoria Corporation
Currency
Goal Planner
Goal Planner
Launched since 2025
The new "Goal Planner" feature on our Mobile App allows you to set up financial goals with our wealth management experts, making it easier to track the progress of your property buying, retirement or children's education goals
- You can visit a branch in person to set your financial goals and develop a personalized family wealth solution with our wealth management experts
- After successfully setting your goals, monitor your latest plan's progress using the "Goal Planner" in the Mobile App
Gold Master
Gold Master
Launched since 2025
Grasp the golden investment opportunity with Hang Seng Gold Master - our full suite of gold related products trading capabilities!
- With physical gold e-appointment service, trade various physical gold products in designated branches.
- Online paper gold trading in Hang Seng Mobile App is available now.
- FX and Precious Metal Trading Services – Allow trading with your investment view in any combination of gold (XAU) against 10 major currencies.
Securities Services
Provide a variety of trading channels and trading orders to help you invest in 3 stock markets of HK stocks, A shares and US stocks at any time.
Trading Channel(s)
Branches
Securities Trading
Hotlines
Personal e-Banking
Hang Seng Mobile App /
Hang Seng Invest
Express App
Monthly Investment Plan for Stocks
Allow you to reduce the impact of short-term market fluctuations using cost averaging to achieve long-term investment goals. Monthly payment is as low as HKD1,000, with more than 100 local stocks and ETFs.
Set up New Plan
Personal e-Banking
Trading Channel(s)
Branches
Securities Trading
Hotlines
Personal e-Banking
Hang Seng Mobile App /
Hang Seng Invest
Express App
Investment Fund Services
Managed by dedicated team, funds are diversified and invested across global assets to reduce risk and generate returns for investors. Extensive partnership network with over 20 leading asset management companies, offering over 200 investment funds.
Subscription Channel(s)
Branches
Personal e-Banking
Hang Seng Mobile App
Type(s) of Investment Return
Potential Cash Income
Potential Capital Growth
Monthly Investment Plan for Funds
No minimum investment holding periods. You can start investing with as low as HKD500 monthly subscription and update the investment instructions each month. No termination charges.
Set up New Plan
Personal e-Banking
Type(s) of Investment Return
Potential Cash Income
Potential Capital Growth
SimplyFund
A one-stop fund investment service ideal for investment beginners. You can invest in funds from minimum amount at HKD1 and enjoy monthly fee as low as $0.
Subscription Channel(s)
Personal e-Banking
Hang Seng Mobile App
Type(s) of Investment Return
Potential Cash Income
Potential Capital Growth
Capital Protected Investment Deposit
A currency-linked investment product with 100% capital protection at maturity and a minimum return. If the exchange rate of the underlying currency pairs move as anticipated, you may potentially earn higher returns.
Subscription Channel(s)
Branches
Personal e-Banking
Hang Seng Mobile App
Type(s) of Investment Return
Capital Preservation
MaxiInterest Investment Deposit
Potentially higher interest return than normal time deposits with favoured market price movement. You can also exchange linked currencies at a predefined rate with 0 trading spread, based on FX trends. Deposit periods from 1 week.
Subscription Channel(s)
Branches
Personal e-Banking
Hang Seng Mobile App
Type(s) of Investment Return
Potential Cash Income
FX2 - FX and Precious Metal Trading Services
The trading spread is lower than the currency note exchange rate, and you can create open positions with deposits equivalent to the Trading Contracts’ value. Whether in a rising or falling market, you can make use of long-short strategies and benefit from a lower entry threshold.
Subscription Channel(s)
Personal e-Banking
Hang Seng Mobile App
Type(s) of Investment Return
Potential Capital Growth
FX and Precious Metal Margin Trading Services
You can either go long or short, and utilise leverage ratio of up to 15 times to amplify your capital. By hedging against FX or gold asset depreciation risks, you may earn accrued interest from FX trading spreads while leveraging for potentially higher returns.
Subscription Channel(s)
Personal e-Banking
Hang Seng Mobile App
Type(s) of Investment Return
Potential Cash Income
Certificates of Deposit
Try to earn potential interest with idle funds? We have new products such as 3rd party CDs on shelf weekly. The investment amount is as low as HKD10,000 where no new funds required. We provide real-time quotes and instant trading experience to earn steady interest and passive income!
Subscription Channel(s)
Branches
Personal e-Banking
Hang Seng Mobile App
Type(s) of Investment Return
Potential Cash Income
Equity Linked Investments (ELI)
Linked to the performance of HK or US Stock for potentially higher returns, with features such as airbag feature, callable feature and partial capital protection.
Subscription Channel(s)
Branches
Personal e-Banking
Hang Seng Mobile App
Type(s) of Investment Return
Potential Cash Income
Potential Capital Growth
Structured Notes (Capital Protected)
With a diverse payoff structure and underlying asset linkage, you can earn higher potential returns in various market scenarios, with an investment amount as low as HKD100,000.
Subscription Channel(s)
Branches
Hang Seng Mobile App
Type(s) of Investment Return
Capital Preservation
Physical Gold
A choice for collection, gift and investment purposes. Various physical gold products are available including Hang Seng logo gold bars, 99% and 99.99% gold, ‘God of Wealth’ gold plates, gold coins and gold nuggets with trading available at designated Hang Seng branches. Narrow spread with no separate handling fees and charges.
Subscription Channel(s)
Branches
Paper Gold
Buy/sell of paper gold units without physical delivery of gold to reduce storage cost and free from risk of theft. Check out the latest gold price to trade via Hang Seng Mobile App, Personal e-Banking or our branches at a relatively lower entry level than physical gold.
Subscription Channel(s)
Branches
Personal e-Banking
Hang Seng Mobile App
Investment Financing
To capture more market opportunities by using leverage, providing extra liquidity and flexibility.
Account Opening Channel(s)
Branches
Hang Seng Mobile App
Subscription Channel(s)
Branches
Type(s) of Investment Return
Potential Cash Income
Potential Capital Growth
For more details please check SmartInvest website:
^According to a survey conducted by Cimigo Limited between 19th November 2025 and 9th December 2025, among the 24 licensed banks incorporated in Hong Kong (excluding digital banks) with reference to the list of licensed banks incorporated in Hong Kong published on the official website of the Hong Kong Monetary Authority, Hang Seng Bank Limited attained No 1 ranking in the range of online investment product category selections among local retail banks.
- The above is a list of the types of investment products and services provided by the Bank for your information, and does not constitute nor is it intended to be construed as any offer, solicitation, or recommendation to deal in any investments. Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or values of investments may go up as well as down and past performance is not indicative of future performance. The risk of loss in leveraged foreign exchange and precious metal trading can be substantial. Investors should read the relevant investment product or service’s offering documents and terms and conditions (including the risk disclosures therein) in detail before making any investment decision.
- The 'Latest Investment Products and Services' section shows a list of new investment products and services launched during the period of 5 September 2025 to 5 January 2026.
- Investors should note that all investment involves risks. Prices of securities may go up as well as down and may even become valueless. Investors should not only base on this website alone to make any investment decision, but should read in detail the relevant risk disclosure statements.
- Investment involves risks. The risk of loss in leveraged foreign exchange and precious metal trading can be substantial. Terms and Conditions apply to the services and offers.
- Investment involves risks. Prices of investment products may go up or down. Terms and Conditions apply to the service and offers.
- Investment involves risks. Terms and Conditions apply.
- Investment involves risks. Related funds are filtered by criteria in Hang Seng Fund SuperMart.
- Investment involves risks.
- Investment involves risks. Prices of foreign exchange and precious metal may go up or down.
- Investment involves risks. The risk of loss in leveraged foreign exchange and precious metal trading can be substantial.
- Investments involve risks. This information is for general information and reference only, and does not constitute any professional advice, or investment recommendation.
- Investment involves risks. Gold price may go up or down and its past performance is not indicative of future performance. The risk of loss in gold trading can be substantial. The relevant product and related documents including risk disclosures should be read in detail before making any investment decision.
- Foreign exchange and precious metal trading involves a high degree of risk. The risk of loss in leveraged foreign exchange and precious metal trading can be substantial. Investors should read the relevant investment product or service’s offering documents and terms and conditions (including the risk disclosures therein) in detail before making any investment decision.
- Goal Planner is designed to provide an understanding of what the value of your savings and investments might be in the future and identify any shortfalls from the target you've set. The results are based on the information you provide and Hang Seng Bank's assumptions for growth and inflation rates. The illustration is presented on a gross basis and doesn't include any fees and charges that may apply to relevant wealth management products.
- Information provided in Goal Planner is for general information and reference only and does not constitute nor is it intended to be construed as any professional advice, offer, solicitation, or recommendation to deal in any securities, investments or insurance products.