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Cross-Border Banking: Worldwide investment

Disclaimer

Investors should note that all investments involve risks. Prices of investment products may go up as well as down and may even become valueless. Foreign securities carry additional risks not generally associated with securities in the domestic market. The value or income of foreign securities may be more volatile and could be adversely affected by changes in many factors. Investors should not only base on this website alone to make any investment decision, but should read in detail the offering documents and the Risk Disclosure Statement of the relevant investment products.

Worldwide investment

We believe that wealth and health are both indispensable cornerstones for the pursuit of one’s visions and blueprint for life. No matter whether you are planning to work in Hong Kong, or buy a flat or invest in the city, Hang Seng Bank can provide you with products and services that best satisfy your needs, helping you make the most out of global investment opportunities to enhance your wealth.

Investment fund services

  • Hundreds of open-ended investment funds
  • A wide range of funds from different categories covering various markets
  • Fund SuperMart -- an online fund search platform
  • Monthly investment plan for funds
View details

Securities services

  • Exposure to Hong Kong, mainland China and US markets
  • One-stop online investment platform
  • Hong Kong Stock Connect Northbound Trading Service
  • Monthly Investment Plan for stocks
View details

FX and precious metal margin trading services

  • Trade ten major currencies and one precious metal
  • Preferred trading spread
  • Leverage ratio up to 15 times
  • Various trading channels
View details

Mortgage services

  • Flexible and diversified mortgage plans and services[1] to satisfy your financial needs
  • Designated mortgage relationship managers proficient in Mandarin / English
  • Dedicated Hang Seng Mortgage Centres
  • Provides initial assessment within 24 hours
View details

Wealth Master

  • Help you diversify your portfolio better with features such as Portfolio Analysis, Past Performance Analysis and Comparison with Reference Portfolio  
View details

Cross-Boundary Wealth Management Connect services

  • Provide cross-boundary financial and wealth management services. Individual investors from Guangdong-Hong Kong-Macau Greater Bay Area ("GBA")
View details

Deposit services

  • Time deposit offers
  • Foreign exchange time deposit offers[3],[4]
View details

Gold products

  • Physical gold[5],[6],[7]
  • Statement gold
  • Gold-related investment services
View details

Mortgage services

  • Flexible and diversified mortgage plans and services [1] to satisfy your financial needs 
  • Designated mortgage relationship managers proficient in Mandarin / English 
  • Dedicated Hang Seng Mortgage Centres 
  • Provides initial assessment within 24 hours 
View details

Get latest market information

Latest market insights and offers

Explore more investment products[2]

Investment Corner

Read latest commentaries and watch video

Footnote

Other point(s) to note

  1. Terms and conditions apply.
  2. This webpage has 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. Persons accessing this webpage should not make any investment decision based solely on the information and services provided herein. Before making any investment decision, persons accessing this webpage should take into account his/her own circumstances including but not limited to his/her financial situation, investment experience and investment objectives, and should understand the nature, terms and risks of the relevant investment funds. Persons accessing this webpage should obtain appropriate professional advice where necessary.
  3. This webpage is not intended to provide or regard as legal or taxation advice, or investment recommendations.

Remark(s)

  1. To borrow or not to borrow? Borrow only if you can repay!
  2. Investment involves risk.
  3. 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.
  4. Currency 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 Hong Kong Dollars to foreign currency or vice versa.
  5. Terms and Conditions of buy back of physical gold products
    a. Customers selling back physical gold products must be Hang Seng account holders.
    b. When sell back physical gold products to us, customers are required to present the original copy of the trading memo and/or purchase order issued by us.
    c. We reserve the right to inspect the physical gold product sold back by customer. If the condition of the physical gold product has been changed, such as damaged or deformed, we reserve the right to refuse any buy back requests.
    d. We shall have the sole and absolute discretion to make final determination regarding the buy back of physical gold products including any relevant procedures and buy back price as applicable. The buy back price will be determined with reference to the condition of the relevant physical gold product and market prices, or the existence of any other conditions that need special consideration, such price may be lower than the price quoted by us for physical gold products under normal circumstances.
    e. If customer could not present the original copy of the trading memo and/or purchase order issued by us, or if the condition of the physical gold product has been changed, or there exists any other conditions that need special consideration, the relevant buy back can only be performed on Mon to Fri (except public holidays).
  6. Customers are requested to check and examine all notes and gold / platinum in exchange before leaving the counter. Under no circumstances shall we entertain any complaints afterwards.
  7. We have the sole and absolute discretion to make final determination regarding the buy back of gold bars / coins including any relevant procedures and charges as applicable.