Investment involves risk (including the possibility of loss of the capital invested). Prices of investment products may go up as well as down and may even become valueless. Past performance information presented is not indicative of future performance. Investors should not only base on this marketing material alone to make any investment decision, but should read in detail the offering documents and the Risk Disclosure Statement of the relevant investment products.
Risk Disclosure of Investment Funds: Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms
and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment.
Comprehensive investment fund services with hundreds of funds for selection
The 4 features of investment funds
Dedicated fund management
Dedicated fund management
All funds and assets are managed by professional fund managers.
Global
investment
Global investment
You may indirectly invest in various asset classes by buying funds with global assets.
Diversification
Diversification
Compared to directly buying individual stocks or currencies, trading funds offers better risk diversification.
Flexibility
Flexibility
You may trade funds at our branches or online on any trading day.
Find your fund service
Choose the fund investment service that suits your needs to achieve your goal of asset growth.
Lump Sum Fund Investment 
Monthly Investment Plan for Funds Minimum investment amount
HKD5,000
HKD500 (monthly investment amount)
Subscription method
Buy funds by lump sum
Invest a fixed amount monthly to grow wealth
Subscription fee#
1%-2.4% of the lump sum, which is included in the investment amount
1.5%-2% of the monthly investment amount, which is included in the Monthly investment amount
#Subject to individual funds, refer to the relevant fund's offering documents for details
Latest offers
0% Fund Subscription Fee Offer
From 1 January 2026 to 31 March 2026 (the "Promotion Period"), Eligible Customers1 who successfully open an Investment Fund Account can enjoy a 0% fund subscription fee offer.
| Eligible Customers | Subscription Channel | Designated Accumulated Subscription Amount (or its equivalent) | ||
|---|---|---|---|---|
| i. Single Fund Subscription^ |
ii. Single Fund Subscription^ & Use of "Wealth Master"# (and |
iii. Subscription for two or more funds^ & Use of "Wealth Master"# (and |
||
| Prestige Private (and /or Family+ Account) |
Any Channels | HKD500,000 | HKD600,000 | HKD700,000 (Maximum designated accumulated subscription amount) |
| Prestige Banking (and /or Family+ Account) |
Any Channels | HKD200,000 | HKD300,000 | HKD400,000 (Maximum designated accumulated subscription amount) |
| Preferred Banking and Integrated Account Customers | Online | HKD100,000 | HKD200,000 | HKD300,000 (Maximum designated accumulated subscription amount) |
Terms and Conditions for the 0% Fund Subscription Fee Offer.
^“Single fund subscription(s)” refers to subscription for a single fund, including subscription(s) for different share classes under the same fund (such as different currency classes, accumulation units, income units, etc.); “subscription of two or more funds” refers to subscription for two or more funds where the additional fund(s) subscribed is/ are different fund(s) from the first fund being subscribed, which excludes subscription for different share classes under the same fund (such as different currency classes, accumulation units, income units, etc.).
1The offer is only applicable to Prestige Private, Prestige Banking, Preferred Banking and Integrated Account customers who newly opened an Investment Fund Account (under the account number suffix of 382) during the Promotion Period.
#The use of "Wealth Master" requires customer to either login to "Wealth Master" via Hang Seng Mobile App or analyse and generate a report on the investment portfolio in "Wealth Master" at a branch. “Designated Period” is between 1 January 2026 and 30 April 2026.
*Completion of the "Strategic Financial Planning Goal Setting and Goal Tagging" refers to the setting of financial goal(s) (e.g. Retirement, Managing Wealth, etc.) and linkage with a valid Personal Integrated Account or Family+ Account for goal tracking via the Strategic Financial Planning Tool with the Bank's Relationship Manager at branch. Only applicable to Prestige Private and Prestige Banking customers.
Investment Fund Subscription Fee Offer
From 1 January 2026 to 31 December 2026, you can enjoy the Fund Subscription Fee Offer and Advanced Switching Service Subscription Fee Offer for subscribing for an investment fund through Hang Seng Bank.
Net Subscription Fee Offer
| Subscription channel | Any channels* | Online channels | ||
|---|---|---|---|---|
| Customer | Bond Funds | Other Fund Types | Index Funds | |
| Fund Subscription | Prestige Private Customer | 1.5% | 1.8% | 1% |
|
Prestige Banking Customer (including Cross-boundary Wealth Management Connect customer) |
1.8% | 2.3% | ||
| Other Customer | 1.8% | 2.4% | ||
| Advanced Switching Service | Prestige Private Customer | 1.5% | 1.8% | |
| Other Customer | 1.8% | 2.3% | ||
Terms and Conditions apply to Investment Fund Subscription Fee Offer.
*Unless otherwise specified, any channels include branch, customer call center, Hang Seng Personal e-Banking and Hang Seng Personal Mobile App.
Remark:
- Bond index funds are funds categorized as "Index Funds" by fund type as well as displayed with "Bond" by fund category in "Hang Seng Fund SuperMart" (hangseng.com/Fundsupermart). Eligible Customers who subscribe/use "Advanced Switching Service" to subscribe for bond index funds via Hang Seng Personal e-Banking or Hang Seng Personal Mobile App can enjoy a net 1% subscription fee offer whilst Eligible Customers who subscribe/use "Advanced Switching Service" to subscribe for bond index funds via branch or customer call center can enjoy the following offer: Prestige Private customers can enjoy a net 1.5% subscription fee offer; Prestige Banking, Preferred Banking and Integrated Account customers can enjoy a net 1.8% subscription fee offer.
- Customers who subscribe for investment funds distributed by the Bank through their Investment Fund Account (Account suffix 382) under Family+ Account can enjoy the Investment Fund Subscription Fee Offer that they are entitled to according to their respective Integrated Account(s) with the Bank.
- For Money Market Funds and HSBC index funds, Subscription Fee, Switching Fee (Switch-to) and Advanced Switching Service Fee (Switch-to) are all currently 0%.
Fund Transfer-in Rewards
From 2 January 2026 to 31 December 2026, Prestige Private / Prestige Banking customers who successfully transfer-in eligible investment fund unitholdings can enjoy cash rewards with no limit!
|
Accumulated amount of the eligible transferred-in investment fund units
(HKD or equivalent) |
Cash Reward |
|---|---|
| Every HKD200,000 |
HKD800 (No upper limit for cash reward) |
Terms and Conditions apply to the offer of Fund Transfer-in Rewards.
Subscription fee offer of Monthly Investment Plan for Fund
From 1 January 2026 to 31 March 2026, set up a "Monthly Investment Plan for Fund" can exclusively enjoy a preferential fund subscription fee offer for as low as HKD8 per month2.
| Offer of Monthly Investment Plan for Fund | ||
|---|---|---|
| Fund Type | Regular Fund Subscription Fee on monthly investment amount |
Fund Subscription Fee Offer applicable on the first HK$10,000 or equivalent monthly investment amount |
| Index Funds | 2% | 1.5% |
| Bond Funds | 2% | 1.5% |
| Other Fund Types | 3% | 2% |
Terms and Conditions apply to the offer of subscription fee offer of Monthly Investment Plan for Fund.
2The offer is only applicable to Prestige Private, Prestige Banking, Preferred Banking and Integrated Account customers ("Eligible Customers") who successfully set up for "Hang Seng Monthly Investment Plans" via e-Banking. Each single Eligible Fund Plan can enjoy the "Funds Subscription Fee Offer" on the first HKD10,000 or equivalent monthly investment amount, any amount in excess of HKD10,000 or equivalent will be charged at the subscription fee under "Regular Fund Subscription Fee".
Master the 4 Key Benefits of Monthly Investment Plan for Funds
HKD500
Minimum Monthly Investment Amount - Extra Low
Develop long-term investment habit with less capital through monthly contributions
No
Termination Fee nor Minimum Investment Tenor
You may rebalance your asset allocation anytime based on your personal circumstances
Set up a "Monthly Investment Plan for Fund" can exclusively enjoy a preferential fund subscription fee offer for as low as HKD8 per month
Use of Dollar Cost Averaging Strategy
to minimize the effect of market volatility
Unleash your investment potential in the long run
Hang Seng Monthly Investment Plan for Funds Provides You with Abundant Choices
Funds for Lazybones
Index Fund Category
Index Fund Category
Track the market index to let you stay close to market trends, so that you could focus more time on enjoying life
Learn More
Funds for Dividend Seekers
Cash Dividend Fund Category
Cash Dividend Fund Category
Expected regular cash dividends as a source of income stream
Learn More
Funds for Risk Takers
Equity Fund Category
Equity Fund Category
Gain exposure to multiple stocks to help utilize your capital with flexibility
Learn More
A wide selection of investment funds is available online at
Hang Seng Fund SuperMart
Multiple search tools for funds
Hang Seng offers you various tools for analysing and searching funds. It allows you to understand the performance of different funds and explore investment opportunities more effectively, so that you can formulate your best-suited investment plans.
Hang Seng Bank Wealth Master
A brand new analysis tool with various features, such as Portfolio Analysis, Past Performance Analysis and Comparison with Reference Portfolio, to help you better diversify your portfolio.
FinanceAsia Awards 2025 -
Best Strategic Initiative - Banks | Domestic Award Winner
Best Strategic Initiative - Banks | Domestic Award Winner
Investment Fund Assisted Search
Find your preferred investment fund products by answering a few simple questions.
Learn More
Fund SuperMart
It filters popular funds for you, including top performing sections and top 10 best selling funds etc., to help you analyse from different perspectives when making investment decisions.
Learn More
To borrow or not to borrow? Borrow only if you can repay!
The above offer is not and should not be considered as an offer or solicitation to deal in any of the investment products or services mentioned herein.
Note:
- The mobile app is free of charge, but normal banking and transaction charges may apply when you conduct transactions via the app. Please refer to the Bank's service charges for details. In addition, customer is responsible for any fees and charges which may be levied by relevant telecommunication service provider from time to time. For any queries on charges for internet access, please contact your mobile network service provider.
- The mobile app can be accessed via the network of any local or overseas telecommunications service provider. You can use a 2G, 3G, HSDPA, 4G or Wi-Fi service. However, you must have a mobile internet service plan and handset that can support Internet access. Access to the Internet may also involve set-up procedures on your handset for some fixed IP SIM cards. Please check with your telecommunication service provider for details and up-to-date instructions. The connection speed may vary for different telecommunication service providers, different data usage plans, and different geographical locations. If you experience a slow response when mobile web browsing or during data transmission, please check with your telecommunication service provider. Customers are responsible for any fees and charges which may be levied by relevant telecommunication service provider from time to time. For any queries on charges for internet access, please contact your telecommunication service provider.
- 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.
Important notes and disclaimers of Goal Planner
- 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.
- Please note that the data shown on Goal Planner is indicative only; it's neither guaranteed nor represents the maximum or minimum amounts. In the worst-case scenario, it's possible to lose the entire investment - the value of the investments may become zero.
- Information provided in this tool 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 or investments.
- This tool and the information of products and services referred to in this tool are not intended for distribution or use by any person in any jurisdiction, country or region where it would be restricted and not be permitted by law or regulation. If you're outside of Hong Kong, we may not be authorised to provide you with the products and services in the country or region you're located or reside.
- The performance of your individual investment portfolio depends on the actual investment products you choose, the market situation and other factors. There's no guarantee it'll be close / similar to the performance of the target projection. The relative risk level of particular investment products you choose may be either lower or higher than the result deduced from your Risk Profiling Questionnaire. You should carefully evaluate the product suitability and its risk before making any investment decision.
- Investment involves risks, including potential loss of the capital invested. Prices of investment products may go up as well as down and may even become valueless. Past performance information presented isn't indicative of future performance. The risk disclosure statements and the offering documents of the relevant investment products should be read in detail before making any investment decision. You should carefully consider whether the relevant investments are suitable for you in view of your own investment objectives, investment experience, financial situation, risk tolerance abilities and other needs etc., and consult independent professional advisers where necessary.
- We don't have sufficient information to project an accurate future tax payment, therefore it isn't included in the projection. You're advised to exercise caution in relation to tax matters. Goal Planner doesn't provide any form of tax advice. Hang Seng doesn't provide legal, tax or accounting advice, and you should obtain independent professional advice when appropriate.
- For more details, you can refer to the Goal Goal Planner Model Assumption.
Disclaimer of Wealth Master
- Wealth Master aims to help customers understand their asset allocation and facilitate their investment planning to achieve their own financial goals. No asset allocation and/or product recommendation will be made by Hang Seng Bank Limited (the “Bank”). No representation is made to the appropriateness of any of the securities and/or investment products referred to herein for any particular person's circumstances.
- The information of Wealth Master is for general reference only and information presented is not indicative of future performance of any assets. There is no guarantee that target portfolio can achieve any results or can be used as reference under any market conditions. Wealth Master does not and is not intended to provide any professional financial, investment or other opinion or advice, nor should it be considered as a recommendation to deal in any investment products, investment portfolio management service or ongoing portfolio monitoring services. No financial or investment decision should be made solely based on Wealth Master (including the results).
- The performance of the customer's individual investment portfolio depends on the performance of the actual investment products chosen by themselves, the actual market situation and other factors. There is no guarantee that it can be close / similar to the performance of the target portfolio designed by the customer. The relative risk level of particular investment products chosen by the customer to build their investment portfolio may be lower or higher than the Risk Tolerance Level deduced from their Risk Profiling Questionnaire. Product Suitability and its risk should be carefully evaluated by the customer before making any investment decision.
- No consideration has been given to any particular investment objectives or experience, financial situation or other needs of any customers. Customers must make their own assessment of the relevance and adequacy of investments in the target portfolio. They should not only base on Wealth Master to make investment decisions. Customers should carefully consider whether the relevant investments are suitable for them in view of their own investment objectives, investment experience, financial situation, risk tolerance abilities and other needs etc., and consult independent professional advisers where necessary.
- The information provided in Wealth Master shall not be construed as a recommendation on the portfolio reallocation. More generally, making available to you any advertisements, marketing or promotional materials, market information or other information relating to a product or service shall not, by itself, constitute solicitation of the sale or recommendation of any product or service. It is your sole discretion to decide on any rebalancing target asset allocation.
- All investments involve risks (including the possibility of loss of the capital invested). Prices of investment products may go up as well as down and may even become valueless. Past performance information presented is not indicative of future performance. The risk disclosure statements and the offering documents of the relevant investment products should be read in detail before making any investment decision.
- Transactions which are pending settlement have not been taken into account in the holding position of current holdings. Holding position of current holdings (including but not limited to the number and nominal value of various investment products/assets held) and market price data may not be based on real-time data, but may be based on the latest information available in the bank system.
Learn More
General enquiry: 2998 9898
Visit our branches
Prestige Private & Prestige customers can contact our 24-hour Wealth Service Team via "Click-to-call" or "Live Chat" on Hang Seng Mobile App, or call hotline for enquires.
Prestige Private: 2998 8022
Prestige: 2998 9188
The above offer is not and should not be considered as an offer or solicitation to deal in any of the investment products or services mentioned herein.
