How to calculate Eligible Incremental Balance
Illustrative examples of the Eligible Incremental Balance calculation (for reference only)
Scenario 1:
Assuming that the customer has successfully executed an Eligible Securities Transaction in January 2026, deposited new fund in the same month and maintained the fund during the Designated Deposits Growth Period:
| Date | Transaction | Transaction Amount in HKD equivalent | Deposit Balance in HKD equivalent |
|---|---|---|---|
| 31 Dec 2025 | N/A | N/A | $100,000 |
| 20 Jan 2026 | Fund out to settle an Eligible ETF buy transaction | -$50,000 | $50,000 |
| 25 Jan 2026 | Fund in by cheque deposit | +$100,000 | $150,000 |
| 26 Jan - 28 Feb 2026 | No Transaction | N/A | $150,000 |
| Deposit Daily Average Balance in Feb 2026: ($150,000 x 28 days / 28 days) = $150,000 | |||
|
Eligible Incremental Balance in Feb (Cap being the Eligible Securities Transaction amount in Jan): = Deposit daily average balance in Feb - Deposit balance as of 31 Dec = $150,000 - $100,000 = $50,000 |
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Scenario 2:
Assuming that the customer has successfully executed Eligible Securities Transaction in January 2026 and deposited new fund in February 2026:
| Date | Transaction | Transaction Amount in HKD equivalent | Deposit Balance in HKD equivalent |
|---|---|---|---|
| 31 Dec 2025 | N/A | N/A | $100,000 |
| 20 Jan 2026 | Fund out to settle an Eligible ETF buy transaction | -$40,000 | $50,000 |
| Fund out to settle an Eligible US Stock buy transaction | -$10,000 | ||
| 4 Feb 2026 | Fund in by cheque deposit | +$150,000 | $200,000 |
| 13 Feb 2026 | Fund out to settle an Eligible US Stock buy transaction | -$50,000 | $150,000 |
| 19 Feb 2026 | Fund in from settlement of an Eligible ETF sell transaction | +$30,000 | $180,000 |
| Deposit Daily Average Balance in Feb 2026: (Refer below image for calculation details) = $166,071 | |||
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Eligible Incremental Balance in Feb (Cap being the Eligible Securities Transaction amount in Jan):
= Deposit daily average balance in Feb - Deposit balance as of 31 Dec = $166,071 - $100,000 = $66,071 Note: The Eligible Incremental Balance which can enjoy the Extra Savings Rate is $50,000 (capped at the total Eligible Securities Transaction amount in Jan which is $40,000+$10,000) |
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