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 not only base on this material alone to make any investment decision, but should read in detail the relevant risk disclosure statements.

Terms and Conditions for the Extra 8% p.a. USD/3% p.a. HKD Preferential Savings Rate Offer in relation to BUY trades of US stocks/HK stocks

Offer eligibility
  1. The promotion period of this offer is from 1 May 2026 to 31 July 2026, both dates inclusive (“Promotion Period”).
  2. This offer is only applicable to customers who have successfully executed Buy transaction(s) of "Eligible HK stocks" (as described in Clause 3) via any securities trading channels of Hang Seng Bank Limited ("Bank") or/and "Eligible US Stocks" (as described in Clause 4) via Hang Seng Invest Express mobile app ("Eligible Securities Buy Transaction(s)") during the Promotion Period and hold valid personal integrated account(s)(including Prestige Private, Prestige Banking, Preferred Banking and Integrated Account) of the Bank ("Eligible Customer(s)").
  3. "Eligible HK Stocks" refers to all Hong Kong dollar denominated stocks listed and traded on The Stock Exchange of Hong Kong Limited ("SEHK") during the Promotion Period. Eligible HK stocks exclude locally traded overseas stocks, any listed securities not settled by Hong Kong dollar, i-Shares, Exchange Fund Notes, Hong Kong International Airport retail bonds, Government of HKSAR retail bonds/iBonds/Silver Bonds/Government Green Bonds.
  4. "Eligible US Stocks" refers to Common Stocks (excluding warrants), Exchange Traded Funds (ETFs) and American Depository Receipts (ADRs) traded on US exchanges such as New York Stock Exchange (NYSE), Nasdaq Global Market (NASDAQ), NYSE Amex Equities Market (AMEX), NYSE ARCA and Chicago Board Options Exchange (CBOE).
  5. "Eligible Securities Buy Transaction" excludes buy transactions of Hang Seng Monthly Investment Plans for Stocks and shares subscriptions of Initial Public Offering (IPO).

    6. Offer details
  6. Subject to these terms and conditions, according to the below Schedule, Eligible Customer who successfully executes Eligible Securities Buy Transaction(s) and fulfils the "Eligible Incremental Balance" requirement in corresponding currency (as described in Clause 7ii) under the customer’s “Eligible Deposit Account(s)” is entitled to the extra savings rate as stated in Clause 6ii for the "Eligible Incremental Balance" in the corresponding “Designated Deposit Growth Period”.

    1. Schedule

      Eligible Securities Buy Transaction(s) Period* Designated Deposit Growth Period (A) Designated Deposit Comparison Date (B) Date of Extra Interest Rebate
      1 May 2026 – 31 May 2026 June 2026 30 April 2026 On or before 31 October 2026
      1 June 2026 – 30 June 2026 July 2026 30 May 2026
      1 July 2026 - 31 July 2026 August 2026 30 June 2026

      * The transaction period for an Eligible Securities Buy Transaction(s) is determined based on the trading day of the relevant market (Hong Kong or US) on which the relevant transaction(s) is executed and based on the Bank’s records.

    2. Extra Savings Rate Offer
      Eligible Securities Buy Transaction(s) Eligible HK Stocks Eligible US Stocks
      Extra Savings Rate (Applicable to "Eligible Incremental Balance") 3% p.a. extra HKD savings rate 8% p.a. extra USD savings rate
      Eligible Deposit Account(s) All HKD savings account(s) and current account(s) in customer’s sole name and in the capacity as the primary account holder in the case of a joint account (Time deposit accounts are excluded) All USD savings account(s) and current account (s) in customer’s sole name and in the capacity as the primary account holder in the case of a joint account (Time deposit accounts are excluded)
    3. The extra interest is calculated as simple interest on a 365-day basis for HKD and a 360-day basis for USD.
  7. In respect of the "Eligible Incremental Balance" of each "Designated Deposit Growth Period (A)":
    1. Calculation of the "Eligible Incremental Balance":
      According to Clause 6i, daily average balance in the "Designated Deposit Growth Period (A)" minus the balance as of the corresponding “Designated Deposit Comparison Date (B)” of all Eligible Deposit Account(s)
    2. "Eligible Incremental Balance" requirement and cap:
      Eligible Securities Buy Transaction (s) Eligible HK Stocks Eligible US Stocks
      "Eligible Incremental Balance" requirement Minimum HKD5,000 Minimum USD1,000
      Cap of "Eligible Incremental Balance" The aggregate transaction amount of Eligible HK Stocks in the relevant Eligible Securities Buy Transaction(s) Period or HKD2,000,000 (whichever is lower) The aggregate transaction amount of Eligible US Stocks in the relevant Eligible Securities Buy Transaction(s) Period or USD250,000 (whichever is lower)
    3. Eligible Incremental Balance in excess of the Cap is not eligible to this offer and can be entitled to the Prevailing Savings Rate only (Prevailing Savings Rate is only applicable to the savings accounts).
    4. If the customer got a negative balance or did not hold any Eligible Deposit Account on the "Designated Deposit Comparison Date (B)", the relevant balance will be treated as zero in the "Eligible Incremental Balance" calculation.
    5. All the related account deposit balances shall be based on the records of the Bank. The Bank reserves the right of final decision should there be any dispute in the determination of "Eligible Incremental Balance", and to amend any calculation method of related amount at its sole and absolute discretion.

    6. 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
      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

      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
      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).
      daily_avg_balance

      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.

  8. Subject to these terms and conditions, the extra interest will be credited into the Eligible Deposit Account in HKD and/or USD of the Eligible Customer by the Date of Extra Interest Rebate as stated in Clause 6i. At the time the extra interest is credited, the Eligible Customer must continue to maintain the relevant securities account and Eligible Deposit Account in HKD and/or USD. Otherwise, the customer is deemed to have forfeited the right to receive the relevant extra interest.
  9. Unless otherwise specified, the offer mentioned in these terms and conditions cannot be used in conjunction with other securities service offers and other savings offers of the same currency of the Bank (including but not limited to deposits under the Mortgage-link Loan Scheme).
  10. In case of any discrepancy between the English and the Chinese versions of these terms and conditions, the English version prevails.
  11. This offer is not applicable to Commercial customers, Private Banking customers, staff of the Bank and any party who enjoys special privileges and offers.
  12. No person other than the relevant securities customers and the Bank (which includes its successors and assigns) has any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these terms and conditions.
  13. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
  14. These terms and conditions are subject to prevailing regulatory requirements (where applicable).
  15. The Bank reserves the right to suspend, amend or terminate this offer and to amend these terms and conditions at any time and from time to time without prior notice. The decision of the Bank on all matters relating to this offer is final and binding on all parties concerned.

Other Important Risk Warnings

Risk Disclosure of Exchange Traded Fund ("ETF") investment

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.

Risk Disclosure of investing in foreign securities

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.

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.