Terms & Conditions for Hang Seng Monthly Investment Plan for Funds – Fund Subscription Fee Rebate Offer (the “Offer”):

  1. The promotion period is from 1 April 2026 to 30 June 2026, both dates inclusive (the “Promotion Period”).
  2. The Offer is only applicable to Prestige Private, Prestige Banking, Preferred Banking and Integrated Account customers of Hang Seng Bank Limited (the “Bank”) (“Eligible Customers”).
  3. During the promotion period, Eligible Customers who successfully set up a “Monthly Investment Plan for Funds” (the Eligible Fund Plan) of the Bank via Hang Seng Personal e-Banking using the Investment Funds Account (Account suffix 382) under their Integrated Account (the “Eligible Account”), and make the required contributions for 9 consecutive calendar months (the “Eligible Transaction”) immediately can enjoy a fund subscription fee rebate offer for the first 6 months for the respective Eligible Fund Plan. The rebate is capped at the fund subscription fee corresponding to a monthly contribution amount of HKD 500,000.
  4. The eligible transaction period consists of 9 consecutive contribution months starting from the first contribution date (the “Eligible Transaction Period”) (based on the Bank’s record). For example, if an Eligible Customer set up an Eligible Fund Plan on 1 April 2026, the instruction will take effect in the next calendar month, and the first contribution date will fall into the next calendar month; thus, the eligible transaction period will be from May 2026 to January 2027.
  5. Eligible Customers must first pay the full amount of the relevant fund subscription fees at the time of the monthly subscription. The Bank will credit the fund subscription fee that are eligible for the rebate into the relevant Hong Kong Dollar settlement account of each Eligible Customer on 30 June 2027.
  6. The cash rebate amount is equivalent to the total fund subscription fees generated and actually paid for the first 6 successful contributions of the Eligible Fund Plan (if there is a fund subscription fee offer, it will be calculated based on the actual fund subscription fee paid). There is no cap on the fund subscription fee rebate amount.
  7. If the subscribed fund is denominated in a currency other than Hong Kong Dollar (the “HKD”), the Bank will convert the relevant fund subscription amount into HKD based on the exchange rate determined by the Bank on the last dealing day of March 2027, in order to calculate the waived fund subscription amount. In such circumstances, the waived fund subscription fee amount entitled by the Eligible Customer will not be calculated based on the actual non-HKD fund subscription fee paid by the Eligible Customer.
  8. At the time of the fund subscription fee rebate, the Eligible Customer’s Eligible Account and relevant Investment Funds Account must remain valid. If the Eligible Customer terminates the Eligible Fund Plan during the Eligible Transaction Period or fails to make successful payments in any month, the customer will not be entitled to the fund subscription fee rebate offer.

    Example of eligibility for the Offer (for reference only):

    Scenario Eligible Transaction Ineligible Transaction
    Set up month of Monthly Investment Plan for Funds April 2026 May 2026
    First contribution date Within May 2026 Within June 2026
    Eligible Transaction Period May 2026 – January 2027 June 2026 – February 2027
    Scenario Made 9 consecutive monthly contributions from May 2026 to January 2027 Stopped the monthly contribution in August 2026 and resumed the monthly contributions for the same Monthly Investment Plan for Funds in October 2026
    Rebate arrangement Receive fund subscription fee rebate for the subscription of the first 6 months by 30 June 2027 As the customer has stopped contributions during the Eligible Transaction Period, no funds subscription fee rebate will be received

  1. Each Eligible Account can set up multiple Eligible Fund Plans and enjoy the Offer.
  2. If the relevant account is a joint-named account, the Offer is only applicable to the primary account holder.
  3. Unless otherwise specified, the Offer is not applicable to Commercial Banking and Private Banking Account customers. The Offer cannot be used in conjunction with other offers for the same product(s) or service(s) of the Bank. Where two or more offers would otherwise apply, the offer of the higher value will be awarded. (Excluding investment services lucky draw promotions.)
  4. No person other than the Eligible Customers and the Bank (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these terms and conditions.
  5. These terms and conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
  6. These terms and conditions are subject to prevailing regulatory requirements.
  7. For more details of the Offer, please contact the Bank’s staff. The Offer is provided by the Bank, which reserves the right to suspend, vary or terminate the Offer and to amend these Terms and Conditions at any time without prior notice. The Bank also reserves the right of final decision on all matters relating to the Offer, which shall be binding on all the parties concerned.
  8. In case of any discrepancy between the English and the Chinese versions of these terms and conditions, the English version shall prevail.

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.


The risks for funds which are index funds include but not limited to:

  • Tracking error risk: There can be no assurance that the performance of the relevant fund will be identical to the performance of the relevant index. Factors such as the fees and expenses borne by the relevant fund, the time differences associated with portfolio re-balancing, the prices at which the constituent stocks of the relevant index are acquired or disposed by the relevant fund, the market condition at the relevant time of acquisition or disposal, the index-tracking strategies or financial derivative instruments used will affect the performance of such fund relative to the relevant index.
  • Passive investment risk: Fund manager does not have any discretion to select stocks individually or to take defensive positions in declining markets or changes in the composition of the index. Hence, any fall in the relevant index will result in corresponding fall in the value of the relevant fund. The composition of the relevant index may change and stocks currently comprising the relevant index may subsequently be delisted. Other stocks may also be added subsequently to become constituent stocks of the relevant index.
  • Concentration risk: The relevant fund may be concentrated in a single or particular sector(s) or single country/ region. The performance of the relevant fund could depend substantially on the performance of the relevant single or particular sector(s)/market(s) and the relevant fund is likely to be more volatile than a broad-based fund as it is more susceptible to adverse conditions in the relevant single or particular sector(s) / market(s). In seeking to reflect the weightings of constituent stocks of the relevant index, investments of the relevant fund may be concentrated in a single constituent stock or several constituent stocks. The performance of the relevant index and the fund may be significantly affected by the price fluctuation of one or several of the constituent stocks of the relevant index.

Risks associated with Distribution out of the Cash Dividend Fund’s Capital:

Payment of dividends out of capital amounts to a return or withdrawal of part of an investor’s original investment or from any capital gains attributable to that original investments. Any such distributions may result in an immediate reduction of the Net Asset Value per Unit.


Risks associated with Equity Market Fund:

The Fund’s investment in equity securities is subject to general market risks, whose value may fluctuate due to various factors, such as changes in investment sentiment, political and economic conditions and issuer-specific factors.


The contents of this page have not been reviewed by the Securities and Futures Commission.