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    Capital Protected Investment (CPI) Deposit

    Investment involves risks. Prices of foreign exchange may go up or down.

    Overview

    Capital Protected Investment Deposit - 3 Main Features (Cantonese version)

    A Capital Protected Investment (CPI) Deposit[1] is a currency-linked structured product involving derivatives, with 100% capital protection at maturity and a chance to enjoy higher potential return. Minimum online investment amount of HKD5,000 only and you can start your forex investment journey with just a few clicks.

    View return rates

    100% capital protected, subscribe currency pair in 5 steps

    View return rates

    Understand product risk level

    Key features

    If you hold the CPI Deposit until maturity, you can get 100% capital protection. This low-risk investment product helps to reduce capital loss risk amid market fluctuations.

    Whether you are an investment beginner or experienced investor, you can subscribe for a CPI Deposit online easily with an investment amount as low as HKD 5,000.

    Your potential return / minimum return (if any) is based on the exchange rate movements of the underlying currency pair. Please refer to "How does it work" section for more details.[2]

    Investment tenor can be as short as 1 month, providing greater flexibility to achieve your investment goal.

    This currency-linked investment offers choices of underlying currency pairs, including AUD / USD, GBP / USD, EUR / USD, USD / JPY, USD / CAD, USD / CHF, NZD / USD and USD / CNH.[3]

    There's no handling or management fee to help minimise your investment costs.

    Learn how to subscribe CPI Deposit via Personal e-Banking:

    Illustrations and information

    How does it work

    Illustration of CPI deposit

    Investor can choose different types of investments according to his/her anticipated exchange rate of the underlying currency pair, namely, Bullish, Bearish or Range.

    A CPI deposit can also be classified as American[4] or European[5] according to the basis for determining the type of returns to be received at maturity, which are either potential returns or minimum returns (if any).

    At maturity, you can receive the principal and enjoy the following returns (if any) depending on the exchange rate movement of the Underlying Currency Pair :

    Scenario Returns (if any) to be received at maturity
    Exchange rate of the Underlying Currency Pair moves as you anticipate and meets the trigger event Principal + Potential Return(s)
    Exchange rate of the Underlying Currency Pair moves against your anticipation and doesn't meet the trigger event Principal + Minimum Return(s) (if any)

    Please refer to the below examples for illustration.

    View examples

    Via website

    Step 1
    Select “Subscribe online“ on CPI product page ,then choose a desired CPI deposit and click "Subscribe".

    Read the step-by-step subscription guide to learn how to subscribe to CPI Deposit via Personal e-Banking.

    Via mobile

    Step 1
    Log on to Hang Seng Mobile App and tap "Investments" "Capital Protected Investment (CPI) Deposit" via menu.

    Read the step-by-step subscription guide to learn how to subscribe to CPI Deposit via Personal e-Banking.
    Step 1
    Log on to Business e-Banking and click “Investments”> "Capital Protected Investment Deposits" > "Subscribe" via left hand side menu > Click "Select Capital Protected Investment Deposit".

    Read the step-by-step subscription guide to learn how to subscribe to CPI Deposit via Personal e-Banking.

    Product Documents

    CPI Deposit Offering Documents

    Other information

    Underlying Currency Pairs for reference

    Explore our Top10 CPIs in term of transaction volume

    View details

    FX Investment Corner

    Hang Seng FX Experts provide daily FX analysis to you[6]

    Learn more

    Bank Account Opening for New Customers

    Take a look at the latest CPI deposit promotions

    Learn more

    You may be interested in

    Link

    More Foreign Currency Investment Products [7]

    MaxiInterest Investment Deposit

    Special offer

    Eligible customers who successfully subscribe MaxiInterest Investment Deposit online with as low as HKD5,000 can enjoy extra 2% p.a. interest rate for one month.
    Investment involves risks. Prices of foreign exchange may go up or down. Terms and conditions apply to the offer.

    • Enjoy potential interest return
    • May exchange up to 10 different linked currencies at pre-defined exchange rate upon maturity
    • Invest online with just HKD5,000
    Read Forex investment guide
    Explore offer
    This is a structured product involving derivatives. The maximum potential gain is limited to the pre-agreed interest rate. Investment involves risks. Price of FX exchange may go up or down. You should read and understand all the relevant product documents/service terms and conditions and risk disclosure statements before making any investment decision.

    FX & Precious Metal Margin Trading Services

    • Trade at a leverage ratio up to 15 times
    • Buy / sell amid market ups & downs with trading spread as low as 6 basis points for online trading
    View details
    Investment involves risks. The risk of loss in leveraged foreign exchange and precious metal trading can be substantial. You may sustain losses in excess of your initial margin funds. You should carefully consider whether FX and precious metal margin trading is suitable for you in light of your own financial position and investment objectives. You should read and understand all the relevant product documents/service terms and conditions and risk disclosure statements before making any investment decision.

    FAQs

    Trading service

    You can convert the currency in your account prior to placing your CPI deposit order via Personal e-Banking, Hang Seng Mobile App, automated teller machine or visit our branches. Please note that the CPI deposit order will be rejected if the funds in your account are insufficient to convert to the relevant currency.

    CPI Deposit is available for subscription from Mon to Sun 10:00 a.m. - 6:00 a.m. the next day (subject to our discretion, market disruption events, etc.)

    General subscription session

    (for branch and online subscription)

    		 Mon to Fri: 10:00 a.m. - 5:00 p.m. (excluding Hong Kong public holiday)

    Extended-hours subscription session

    (online subscription only)

    Mon to Fri: 5:00 p.m. - 6:00 a.m. the next day

    Sat to Sun, Hong Kong public holiday: 10:00 a.m. - 6:00 a.m. the next day

    CPI Deposit subscription instructions made during extended-hours subscription session (including Saturdays, Sundays and Hong Kong public holidays are regarded as pending instructions and to be processed in the Offer Period stated in the relevant Term Sheets.

    After setting up the CPI deposit, customer is not allowed to amend, cancel or terminate the CPI deposit before its maturity date.

    Need more help?

    Call our 24-hour hotline

    FX hotline:
    (852) 2822 8233
    Personal customer:
    (852) 2822 0228
    Commercial customer:
    (852) 2198 8000

    Visit our branches

    Find your nearest branch

    Email us

    Leave us a message

    Footnote

    Other point(s) to note

    1. These pages are not intended to provide or regard as legal or taxation advice, or investment recommendations.
    2. Investors should consult their own tax advisers on relevant tax arrangements.
    3. The liabilities of the Bank in respect of the Currency-Linked Capital Protected Investment Deposit are limited exclusively to an office of the Bank in Hong Kong and instructions in respect of the Currency-Linked Capital Protected Investment Deposit may only be made to, and acted upon by, such office. Any amount relating to the Currency-Linked Capital Protected Investment Deposit is payable exclusively by an office of the Bank in Hong Kong and in its stated currency. The Terms and Conditions of the Currency-Linked Capital Protected Investment Deposit are governed by, and shall be construed in accordance with, the laws of Hong Kong.
    4. Investors may contact our staff if investors have any feedback or complaint in relation to our services or call our hotline at 2998 9898. We will respond to investors within a reasonable period of time normally not exceeding 30 days in general circumstances. Investors may contact the Hong Kong Monetary Authority at 55th Floor Two International Finance Centre, 8 Finance Street, Central, Hong Kong if investors are not satisfied with our handling of their complaint.
    5. Hang Seng Bank Limited is a Registered Licensed Bank under the Banking Ordinance.
    6. All Currency-Linked Capital Protected Investment Deposit cannot be cancelled after subscription.

    Remark(s)

    1. Investment in this product is subject to the credit risk of the Bank. If the Bank becomes insolvent or defaults on its obligations under this product, you can only claim as an unsecured creditor of the Bank. In the worst case, you could suffer a total loss of your investment amount.
    2. Guaranteed minimum return applies to certain investment tranches only. Investors should refer to the relevant term sheet for details.
    3. If Renminbi is one of the currency in the Underlying Currency Pair, the relevant exchange rates will be quoted in offshore Renminbi (CNH).
    4. Evaluate underlying currency pairs performance during whole investment period.
    5. Evaluate underlying currency pairs performance on the final exchange rate determination date or on each coupon determination date.
    6. This information provided by the Bank is for general information and reference only, and does not constitute, nor is it intended to be, nor should it be construed as any professional advice, offer, solicitation, or recommendation to deal in any investments. Please refer to the full disclaimer in the relevant information.
    7. For the full list of Foreign Currency Investment Products, please visit hangseng.com “Investments” “Foreign Currency Investments” Section.