Important Risk Warnings

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.

Our securities services help you tap investment opportunities

Hang Seng Securities Services provide you with comprehensive online trading channels, empowering you to capture investment opportunities in different markets with flexible portfolio allocations. With Invest Express1, you can trade HK stocks, US stocks and A shares all via one single app, helping you to seize market trends more conveniently.

Buy ETF: Earn Extra 3% p.a. New Fund Savings Rate
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Enjoy extra 3% p.a. HKD and USD preferential savings ratei by buying ETFs and deposit new fund! Earn extra interest in the month, easily increase your passive income!


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From now till 30 June 2025, buy Exchange Traded Funds (“ETF”) listed in Hong Kong through any securities trading channels, and depositii new fund with HKD5,000 equivalent or aboveiii, to enjoy extra 3% p.a. HKD and USD preferential savings ratesi in the next month after buying the ETF.

Just 3 simple steps with no registration required

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1 Buy ETF

Buy ETFs listed in Hong Kong via any securities trading channels of the Bank

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2 Deposit HKD / USD new funds

With Eligible Incremental Balanceiii of minimum HKD5,000 equivalent under Eligible Deposit Account(s)ii in the month after buying the ETF

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3 Unlock extra 3% p.a. savings rates

Enjoy extra 3% p.a. HKD and USD savings rates on the Eligible Incremental Balance in the month after buying the ETFi

How to calculate Eligible Incremental Balance?
How to calculate Eligible Incremental Balance?
How to calculate Eligible Incremental Balance?

Terms and conditions apply to the above offer.
Terms and conditions apply to the above offer.
Terms and conditions apply to the above offer.

Enjoy multiple rewards for US stocks trading
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Start investing in US stocks! Get 2 shares of Barrick Gold2 on top of enjoying 50% off on US Stock brokerage fee!


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Offer 1

From today until 30 June 2025, upon your first successful buy or sell trade of US stocks, HK stocks or A shares through online trading channels and securities trading hotline3, you will enjoy 2 shares of Barrick Gold Corporation (NYSE: GOLD)2 (approximate value of USD32#)

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Offer 2

Enjoy 50% off on US stock brokerage fee, i.e. USD0.0075 per share and min. USD7.5, for any US securities buy and sell transaction conducted through Invest Express

Terms and Conditions apply to the above offers Terms and Conditions apply to the above offers Terms and Conditions apply to the above offers

# The approximate stock value is calculated based on its market closing price per share on 2 January 2025

“Scratch Reward” : Earn Rewards for Your Stock Trades!
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Get chances to win brokerage fee coupons and up to full brokerage fee waiver

Get ready for a new round of ”Scratch Reward” and win brokerage fee coupon anytime!

From now until 31 August 2025, customers trading HK stocks / US stocks / A shares through any securities trading channel of the Bank can get a scratch card for each transaction. Logon to Hang Seng Invest Express mobile app to scratch your card for a chance to win a brokerage fee coupon and up to full brokerage fee waiver on your next trade. There is no limit on the number of coupons to be received!

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Securities Customers with Payday+, Save More on Trading
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Buy stocks with $0 brokerage, and get brokerage fee coupon with value up to HKD1,888

Securities customers switch to Hang Seng PayDay+ for payroll services to enjoy a range of high-value securities offers, helping you save more on trading!

1. Buy HK ETFs with $0 brokerage fee

Buy HK ETFs9 through online trading channels3 to enjoy unlimited $0 brokerage fee until 31 December 2025!

2. Bug US stocks with $0 brokerage fee

Buy US stocks10 through Hang Seng Invest Express to enjoy $0 brokerage fee until 31 December 2025, maximum amount being USD100 per customer!

3. “Scratch Reward” with 100% chance to get brokerage fee coupons New Securities Customers with Payday+ exclusive

After enjoying $0 brokerage fee for online stock trades in the first 3 months after account opening, you will join “Scratch Reward" automatically with 100% chance to get brokerage fee coupons throughout the entire entitlement period, with coupon value boosted up to a maximum of HKD1,888!

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From 1 April to 30 June 2025 (the "promotion period") , securities customers can enjoy the following offers:

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Welcome offers for New Securities Customers

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Exclusive offers on HK stocks / US stocks / A shares

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SimplyStock

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InvestEx New Feature: Personalized Stock Insight img-title-line

Offer multi-dimensional with personalized stock insight of HK and US market to you, including:

  • Hot stock picks from investor like you
  • Hot stock picks from all Hang Seng investors
  • Hot stock picks from Top 5% performers
  • Featured Sector
  • Most traded CBBC/ Warrant (only HK market)

Based on our analysis of relevant transactions data such as investors’ holdings, stock trading types, investment experience etc, you can now gain more insights into the popular trading stocks of investors like you, and keep up with market trends and sectors you may be interested in, enabling you to capture new investment opportunities.


Information is for reference only. It does not represent any investment advice, offer, solicitation or recommendation and has not taken into consideration the individual circumstances of any customers. Investing involves risks.

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Hang Seng Invest Express mobile app

Hang Seng Invest Express: Trade securities at your fingertips

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Product Knowledge

Discover various types of investment tools to build your investment portfolio

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Learn More
More Securities Knowledge

More Securities Knowledge, please visit our website: Investments > Investment Academy

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More details about Prestige Banking account:
hangseng.com/pse/offer hangseng.com/pse/offer hangseng.com/pse/offer

Invest smartly at your fingertips

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Customer Enquiries: 2822 0228

  • Android, Google Play and the Google Play logo are trademarks of Google LLC.
  • Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the US and other countries. App Store is a service mark of Apple Inc.

Relevant to Buy ETF to Earn Extra 3% p.a. New Fund Savings Rate:

  1. According to below Schedule, Eligible Customer with “Eligible Incremental Balance” of minimum HKD5,000 equivalent under his/her “Eligible Deposit Account(s)” can be entitled to extra “3% p.a. HKD and USD savings rates” in the corresponding “Designated Deposits Growth Period” for the “Eligible Incremental Balance”.
    • Schedule
      Eligible Securities Buy Transaction(s) Period Designated Deposits Growth Period (A) Net Eligible ETF Transaction Amount Calculation Period (B) Designated Deposits Comparison Date (C) Date of Cash Reward
      17 - 31 March 2025 April 2025 17 March to 30 April 2025 28 February 2025 On or before 30 September 2025
      1 - 30 April 2025 May 2025 1 April to 31 May 2025 31 March 2025
      1 - 31 May 2025 June 2025 1 May to 30 June 2025 30 April 2025
      1 - 30 June 2025 July 2025 1 June to 31 July 2025 31 May 2025
    • The extra interest is calculated as simple interest on a 365-day basis.
    • The Bank reserves the right to suspend, amend or terminate this offer at any time without prior notice.
  2. Applicable to “Eligible Deposit Account(s)”, including savings account(s) and current account(s) of HKD and USD in Eligible Customers’ sole name or in the capacity as the primary account holder in the case of a joint account. For the avoidance of doubt, time deposit accounts are excluded from the Eligible Deposit Accounts.
  3. New fund must be “Eligible Incremental Balance”, which is calculated based on this formula: Deposit daily average balance of all Eligible Deposit Account(s) in the “Designated Deposits Growth Period” (A) + the Net Eligible ETF Transaction Amount during the corresponding “Net Eligible ETF Transaction Amount Calculation Period” (B) - the Deposit balance of all Eligible Deposit Account(s) as of the “Designated Deposits Comparison Date” (C).
    • Net Eligible ETF Transaction Amount is calculated based on this formula: Buy transaction amount of eligible ETF - Sell transaction amount of eligible ETF
    • The Eligible Incremental Balance enjoying the extra 3% p.a. preferential savings rate is capped at the aggregate transaction amount of Eligible Securities Buy Transaction(s) of the relevant month.
    • 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 change will be effective on the next working day. All the related account deposit balances shall be based on the records of the Bank.

Remarks:

  1. For details about Hang Seng Invest Express mobile app, please visit our website: Investments > Securities > Hang Seng Invest Express mobile app. Details about Hang Seng Invest Express mobile app.
  2. Multiple rewards for US stocks trading and the provision of free shares do not represent, and should not be construed as, any investment advice from the Bank and the Bank has not taken into consideration the individual circumstances of any customers. Investment involves risks. There can be no guarantee, and no representation is made, on the performance of the free shares or as to whether losses would be incurred/profit would be made from the free shares.
  3. Online trading channels include Hang Seng Personal e-Banking, Hang Seng Personal Banking mobile app and Hang Seng Invest Express mobile app. Securities trading hotlines include Automated Securities Trading Hotline and Manned Securities Trading Hotline.
  4. 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.
  5. $0 brokerage fee is applicable to all transactions of HK stocks or Stock Connect Securities. No minimum transaction amount is required for each transaction. “Stock Connect Securities” refer to A- shares/Exchange Traded Funds (ETFs) listed on the Shanghai Stock Exchange and/or Shenzhen Stock Exchange and eligible for Shanghai-Hong Kong Stock Connect Northbound Trading/Shenzhen- Hong Kong Stock Connect Northbound Trading. US stocks trading is applicable to Invest Express only.
  6. Details about the security for trading securities online.
  7. Details about the security for trading securities online.
  8. For details about the security for trading securities online, please visit our website: Investments > Other Related Services > Security for Trading Securities and Other Investment Products Online.
  9. Details about the relevant services charges apply on stocks deposit service or contact our staff. Designated Deposit Period for new securities customers is from account opening date to 31 July 2025 while that for existing securities customers is from 1 April 2025 to 30 June 2025. Please refer to table below for detail about the cash reward of up to HKD12,000:
    Prestige Private Prestige Banking Preferred Banking or other Integrated Accounts
    New securities customers HKD12,000 HKD6,000 HKD3,600
    Existing securities customers HKD3,600
  10. The promotion period of US Stocks Brokerage Fee Half Price Offer is until 30 June 2025.
  11. “HK ETFs” refer to ETFs listed and traded on The Stock Exchange of Hong Kong Limited (“SEHK”).
  12. “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.

Other 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 Exchange Risk

Foreign Exchange involves Exchange Rate Risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts HKD to foreign currency or vice versa.

Important notes and disclaimer

These promotion materials have not been reviewed by the Securities and Futures Commission in Hong Kong ("SFC"). 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.
These promotion materials are not intended to provide or regard as legal or taxation advice, or investment recommendations If you are in doubt of the marketing and promotional activities and materials of the Bank, please call customer service enquiry hotline for authentication.

Open a securities account

Existing Integrated Account Customers –
Log on Hang Seng Personal e-Banking to open a securities account

Non-integrated Account Customers – Open an account online first with mobile app

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