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 HK Stocks buy transaction in May 2026, and deposited new fund in the same month and maintained the fund during the Designated Deposit Growth Period:
| Date | Transaction | Transaction Amount in HKD | Deposit Balance in HKD |
|---|---|---|---|
| 30 Apr 2026 | N/A | N/A | $100,000 |
| 20 May 2026 | Fund out to settle an Eligible HK Stock buy transaction | -$50,000 | $50,000 |
| 25 May 2026 | Fund in by cheque deposit | +$100,000 | $150,000 |
| 26 May - 30 Jun 2026 | No Transaction | N/A | $150,000 |
| Deposit Daily Average Balance in Jun 2026: ($150,000 x 30 days / 30 days) = $150,000 | |||
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Eligible Incremental Balance in Jun (Capped at the total Eligible HK Stocks buy transaction amount in May or HKD2,000,000 (whichever lower)): = Deposit daily average balance in Jun - Deposit balance as of 30 Apr = $150,000 - $100,000 = $50,000 |
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Scenario 2:
Assuming that the customer has successfully executed the Eligible HK Stocks buy transactions in May 2026 and deposited new fund during the Designated Deposit Growth Period:
| Date | Transaction | Transaction Amount in HKD | Deposit Balance in HKD |
|---|---|---|---|
| 30 Apr 2026 | N/A | N/A | $100,000 |
| 20 May 2026 | Fund out to settle an Eligible HK Stock buy transaction | -$40,000 | $50,000 |
| Fund out to settle an Eligible HK Stock buy transaction | -$10,000 | ||
| 4 Jun 2026 | Fund in by cheque deposit | +$150,000 | $200,000 |
| 13 Jun 2026 | Fund out to settle an Eligible HK Stock buy transaction | -$50,000 | $150,000 |
| 19 Jun 2026 | Fund in from settlement of an Eligible HK Stock sell transaction | +$30,000 | $180,000 |
| Deposit Daily Average Balance in Jun 2026: (Refer below image for calculation details) = $167,000 | |||
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Eligible Incremental Balance in Jun (Capped at the total Eligible HK Stocks buy transaction amount in May or HKD2,000,000 (whichever lower)):
= Deposit daily average balance in Jun - Deposit balance as of 30 Apr = $167,000- $100,000 = $67,000 Note: The Eligible Incremental Balance which can enjoy the Extra Savings Rate is $50,000 (capped at the total Eligible HK Stocks buy transaction in May which is $40,000+$10,000). |
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Remark: The illustration above is taking Eligible HK Stocks and other HKD transactions as an example. The same calculation applies to Eligible US Stocks and other USD transactions.