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(1) Should the Time Deposit maturity date and/or interest payment date fall on a non-clearing day (including but not limited to Sunday, Hong Kong public holiday, or due to adverse weather condition such as typhoon signal or rainstorm warning), the deposit and/or interest will be payable on the following clearing day with the interest being paid up to but excluding that day based on the contract interest rate.
A choice of 11 foreign currencies: Australian Dollar, Canadian Dollar, Euro, Japanese Yen, New Zealand Dollar, Pound Sterling, Renminbi, Swiss Franc, South African Rand, Thai Baht and US Dollar
Minimum deposit amount as low as 1,000 units in foreign currency (except Japanese Yen and Thai Baht (100,000 units each), Renminbi and South African Rand (10,000 units each)
Deposit tenors from one week to five years(1)
Interest payable every month(2) for tenor of 18 months to 36 months (minimum 10,000 units in Australian Dollar, Canadian Dollar, Euro, New Zealand Dollar and Pound Sterling) or tenor of 18 months to five years for US Dollar (minimum USD10,000)
(1) Four and five-year tenor is applicable to US Dollar time deposit only.
(2) Should the Time Deposit maturity date and/or interest payment date fall on a non-clearing day (including but not limited to Sunday, Hong Kong public holiday, holidays of the country or region where the currency is issued, or due to adverse weather condition such as typhoon signal or rainstorm warning), the deposit and/or interest will be payable on the following clearing day with the interest being paid up to but excluding that day based on the contract interest rate.
Enjoy a higher interest rate and potential gain from exchange rate movements
Access with Integrated Account or Standalone Savings Account
A choice of 12 foreign currencies: Australian Dollar, Canadian Dollar, Euro, Japanese Yen, New Zealand Dollar, Pound Sterling, Renminbi, Swiss Franc, South African Rand, Thai Baht,Singapore Dollar and US Dollar
Access via e-Banking or Phone Banking as well as branch counters(1)
(1) Except Singapore Dollars account where the customers can only transact via branch counters.
Remarks: Fluctuations in the exchange rates of foreign currencies may result in gains or losses in the case where the customer converts foreign currency to HK Dollars.
Please refer to Descriptive information of Personal Account Operations for information concerning your saving deposit account, current deposit account, time deposit account, phone banking service and various payment services, etc.
i. 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.
ii. Foreign 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 the deposits from foreign currency to another currency, and/or in the event that the customer converts a foreign currency time deposit to another currency (including Hong Kong Dollar) upon maturity.
