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    MaxiInterest Investment Deposit

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

    Overview

    MaxiIntererst Investment Deposit - 3 Key Features

    A MaxiInterest Investment Deposit is a currency-linked structured product involving derivatives, with an opportunity to earn potential interest returns, or to exchange the linked currency at a predefined rate, at maturity. Minimum online investment amount of HKD5,000 only and you may capture FX trends and earn potential interest return.

    Understand product risk level

    Product risk level

    Product risk level
    2

    What is Risk Tolerance Level?

    Risk Profiling Questionnaire

    Update questionnaire

    Key features

    Potentially higher interest return than normal time deposits with favoured market price movement

    You may also exchange receive the linked currency at a predefined rate[2]

    • Long trading hours and numerous subscription channels for your timely investment
    • You could place trade through branches from 9 am to 5:45 pm every Monday to Friday and online platform up to 3:30 am
    • You may customise the linked currency pairs, initial exchange rates and tenor to suit your personal needs[3]
    • 10 currencies including HKD, USD, AUD, GBP, EUR, JPY, CAD, CHF, NZD and CNY and 88 different ways of combinations for the investors to choose flexibly
    • Deposit period from 1 week to 3 months to meet your investment needs and give more flexibility to your investment strategies
    • The minimum deposit amount is as low as HKD5,000 (or its equivalent if the Deposit Currency or Linked Currency is not HKD), and there is no upper limit
    • The handling fee is waived (Early withdrawal will incur relevant costs and charges and customers shall be liable for such costs and charges.)

    Subscription guide

    How does it work

    Estimating returns

    1. 1

      Investor can choose the deposit currency and linked currency according to your needs.

    2. 2

      Then, you can set the initial exchange rate according to your interest[4]. 

    3. 3

      Compare initial and final exchange rate as determine by the bank on the final exchange rate Fixing date[5] to determine the total amount you can receive at maturity.

    Scenario Amount (Currency to be received) 
    Linked currency appreciates relative to deposit currency or remains unchanged Principal + Interest (paid in deposit currency)
    Linked currency depreciates relative to deposit currency Principal + Interest (converted to and paid in the linked currency at the initial exchange rate)

    When deposit currency is your home currency

    Assuming Hong Kong Dollars is your home currency.

    Now, you take a bullish view on Australian Dollar, so that you expect the exchange rate of AUD / HKD to increase (AUD appreciates relative to HKD).

    Terms

    Units

    Deposit currency

    HKD (Home currency)

    Linked currency

    AUD

    Principal amount

    HKD100,000

    Deposit period

    1 month (30 days)

    Initial exchange rate (AUD / HKD)

    6.8400

    Annual interest rate

    4.000%

    Chart 1: Understand your return in different scenarios

    AUD / HKD on final exchange rate fixing date is equal to or higher than 6.8400

    Final exchange rate: 6.9000

    1. When you subscribe

      You invest HKD100,000

    2. On maturity date

      Received currency and amount upon maturity date HKD100,328.77

    Your gain upon maturity date
    (HKD100,000 x 1 + 4.000% (Annual interest rate) x 30/365)  - HKD100,000 = HKD328.77

    AUD / HKD on final exchange rate fixing date is lower than 6.8400

    Final exchange rate: 6.8000

    1. When you subscribe

      You invest HKD100,000

    2. On maturity date

      Received currency and amount upon maturity date AUD14,667.95 (principal plus interest paid in AUD by exchange rate of 6.8400)

    Your loss upon maturity date
    {[(HKD100,000 x 1 + 4.000% (Annual interest rate) x 30/365) / 6.8400] x 6.8} - HKD100,000 = HKD257.95

    Assuming that the Bank becomes insolvent during the tenor of this product or defaults on its obligations under this product, you can only claim as its unsecured creditors. You may get nothing back and suffer a total loss of your investment amount (with a loss of 100% of investment amount).

    When neither deposit currency nor linked currency are your home currency

    Assuming both the deposit currency US Dollar and linked currency Renminbi are not your home currency.

    Now, you take a bullish view on Renminbi, so that you expect the exchange rate of USD / CNH to decrease (CNH appreciates relative to USD).

    Terms

    Units

    Deposit currency

    USD

    Linked currency

    CNY

    Home currency

    HKD

    Principal amount

    USD100,000 (HKD776,000, initial exchange rate of USD / HKD7.7600)

    Deposit period

    1 month (30 days)

    Initial exchange rate (USD / CNH)

    6.2150

    Annual interest rate

    1.500%

    Chart 2: Understand your return in different scenarios

    USD / CNH on final exchange rate fixing date is equal to or lower than 6.2150

    Final exchange rate: 6.2100

    1. When you subscribe

      You invest USD100,000

    2. On maturity date

      Received currency and amount upon maturity date USD100,125.00

    Your gain upon maturity date
    (USD100,000 x 1 + 1.500% (Annual interest rate) x 30/360)  - USD100,000 = USD125 = HKD970

    USD / CNH on final exchange rate fixing date is higher than 6.2150

    Final exchange rate: 6.2400

    1. When you subscribe

      You invest USD100,000

    2. On maturity date

      Received currency and amount upon maturity date CNH622,276.88 (principal plus interest paid in CNH by exchange rate of 6.2400)

    Your loss upon maturity date
    [(USD100,000 x 1.500% (Annual interest rate) x 30/360) x 6.2150] / 6.2400- USD100,000 = USD276.14 = HKD2,142.86

    Assuming that the Bank becomes insolvent during the tenor of this product or defaults on its obligations under this product, you can only claim as its unsecured creditors. You may get nothing back and suffer a total loss of your investment amount (with a loss of 100% of investment amount).

    Via website

    Step 1
    Select “Subscribe online“ on MXI product page, then log on to Personal e-Banking.

    Via mobile app

    Step 1
    Log on to Hang Seng Mobile App and tap "Investments" > "MaxiInvestment Deposits" > "Set Up" via menu.

    Via website

    Step 1
    Log on to Business e-Banking and click "Investment" > "MaxiInvestment Deposits" > " Set Up Deposit" via menu. After input the deposit details, click "View Rates" to obtain investment options.

    Product documents

    MXI Deposit offering documents

    Knowledge and insights

    Explore more commentaries
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    Financial breakfast (Cantonese version)

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    View details

    Invest and hedge with currency linked investment deposit

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    Useful information

    Reference interest rate

    Highest daily rate

    Learn more

    Product list

    Explore our Top10 MXI currency pairs in terms of transaction volume

    Learn more

    Services and support

    You may be interested in

    Link

    More Foreign Currency Investment Products [6]

    Capital Protected Investment (CPI) Deposit

    Special offer

    Extended online trading hours to 20 hours everyday. Eligible customers who successfully subscribe Capital Protected Investment (CPI) Deposit online can enjoy extra 2% p.a. interest rate for one month.Investment involves risks. Prices of foreign exchange may go up or down. Terms & Conditions apply.

    • 100% capital protection at maturity
    • A chance to enjoy a higher potential return
    • Invest online with just HKD5,000
    Explore CPI
    Offers details
    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 and 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 subscribe for a MXI deposit during the below available hours from Monday to Friday (excluding Hong Kong public holidays, half-day trading, or market disruption days).

    Ways to subscribe Available hours
    Branch 9:00 am to 5:45 pm
    Personal e-Banking 9:00 am to 3:30 am of the next day
    Business e-Banking 9:00 am to 6:00 pm

    After setting up the MXI deposit, customers are not allowed to amend, cancel or terminate the MXI deposit before its maturity date.

    If you've registered e-Statement / e-Advice Service for your Integrated Account, you can view and download e-Advice via Personal e-Banking or Hang Seng Mobile App. Otherwise, you'll receive paper advices.

    Need more help?

    Call our 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 be regarded 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 MaxiInterest Investment Deposit are limited exclusively to an office of the Bank in Hong Kong and instructions in respect of the Currency-Linked MaxiInterest Investment Deposit may only be made to, and acted upon by, such office. Any amount relating to the Currency-Linked MaxiInterest 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 MaxiInterest 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.

    Remark(s)

    1. This interest rate (p.a.), which is provided for reference only, is for an investment deposit of 1-week tenor in USD linked to JPY on 12 June 2023. Historical interest rate data may not be indicative of future data, which will be determined based on the prevailing market conditions.
    2. You may suffer loss if it is converted to the Linked Currency.
    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. The Bank shall have absolute discretion to accept or reject the Initial Exchange Rate set by customers.
    5. The Final Exchange Rate Fixing Date is the Maturity Date of the investment deposit or such other Business Day as may be determined by the Bank, and the Final Exchange Rate will be determined by the Bank at 10:00 am (Hong Kong Time) on the Final Exchange Rate Fixing Date.
    6. For the full list of Foreign Currency Investment Products, please visit hangseng.com > “Investments” > “Foreign Currency Investments” Section.