Structured Notes (Capital Protected)

Overview

Structured note is an investment product issued by financial institutions and includes derivatives with different payoff structures linked to various underlying asset types. It provides investors opportunities to get higher potential return. You can start your investment online with HKD100,000.

Before beginning your investment journey

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Product risk level
1
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Risk Profiling Questionnaire (RPQ)

Key features

This investment product helps to reduce capital loss risk amid market fluctuations.

Structured notes (capital protected) are 100% capital protection only when it is held to maturity. The amount received by you upon early withdrawal/ termination may be less than the amount initially invested by you. Please refer to Risk Factors detailed in the Issuer’s term sheet, Important Facts and the offering documents.

Your potential investment return is based on the performance of the linked assets. You may refer to the "Different return scenarios at maturity" and indicative "Return at maturity" based on your investment amount in Structured notes subscription flow on Hang Seng Mobile App for reference.

Different investment tenors available and major currencies are acceptable as investment currency, providing greater flexibility to achieve your investment goal.

You can subscribe for structured notes via Hang Seng Mobile App with simple steps or any of our branches.

Whether you are an investment beginner or experienced investor, you can subscribe for structured notes easily with an investment amount as low as HKD100,000.

Product information

Step 1
Log on to Hang Seng Mobile App and tap "Structured Notes" under "Investments" from the left menu.

Product documents

Glossary

Minimum bonus

You may receive a guaranteed return from the structured note issuer at maturity. Please refer to the product’s additional terms and conditions in product subscription for details.

Trigger bonus

You may receive the trigger bonus if the trigger events (e.g. the performance of the linked asset, specific market events or other specified criteria) are fulfilled. Please refer to the provisions of the additional terms and conditions for details.

Only applicable for specific notes product.

Trigger events

A trigger event is deemed to have occurred if, on the final valuation date, the foreign exchange rate is greater than or equal to the limit.

Linked assets

Linked asset serves as the reference point for determining the returns or payouts of the structured note.

Issuer risk

If the structured notes issuer goes into debt default, you may face the risk of losing all of your principal.

Subscription date

The date on which the issuers executes the structured note subscription instruction

Issue date

The issue date is the date on which structured notes are issued. The issue date is a day falling from 2 to 10 business days (subject to the specified structured notes) after the subscription date.

Valuation date

Closing rate of the linked assets on valuation date is recorded to determine the settlement of the structured notes at maturity.

Open a securities account

New or non-integrated account customers

Open an integrated account and activate your investment account via Hang Seng Mobile App with ease[2]

Existing integrated account holders

Comprehensive Structured Notes (Capital Protected) experience is just a few steps away[3]

FAQs

Popular questions

9:00 a.m. to 5:30 p.m. from Mon to Fri (excluding Hong Kong public holidays, half-day trading or market disruption days).

You can refer to the risk factors listed in the relevant offering documents for the structured notes.

The relevant offering documents (including Term Sheet and Important Notes to Customers) are provided in structured notes’ subscription flow in Hang Seng Mobile App.

Alternatively, printed copies of the offering documents can be obtained free of charge during normal business hours on any business day at our branches. Please call our Customer Services Hotline 2822 0228 for details of the addresses of our branches.

The issue date is the date on which structured notes are issued. The issue date is a day falling from 2 to 10 business days (subject to the specified structured notes) after the subscription date.

Yes, simply log on to Hang Seng Mobile App and tap "Structured Notes (Capital Protected)” to visit My Structured Notes page, you can view your subscription status and holding details.

According to LERS, when the demand for Hong Kong dollars is greater than the supply and the market exchange rate strengthens to the strong-side CU of HKD7.75 to USD1, the Hong Kong Monetary Authority (HKMA) stands ready to sell Hong Kong dollars to banks for US dollars. The aggregate balance (a component of the monetary base) will then expand to push down Hong Kong dollar interest rates, creating monetary conditions that move the Hong Kong dollars away from the strong-side limit to within the convertibility zone of 7.75 to 7.85.

If the supply of Hong Kong dollars is greater than demand and the market exchange rate weakens to the weak-side CU of HKD7.85 to USD1 the HKMA stands ready to buy Hong Kong dollars from banks. The aggregate balance (a component of the monetary base) will then contract to drive Hong Kong dollar interest rates up, pushing the Hong Kong dollars away from the weak-side limit to stay within the convertibility zone. For details, please refer to https://www.hkma.gov.hk/eng/key-functions/money/linked-exchange-rate-system/how-does-the-lers-work/

Only applicable for specific notes product.

You can redeem your investment in structured notes before maturity (subject to the terms in the products' offering documents), and the early redemption amount may be affected by the prevailing market conditions and less than the principal amount.

Some structured notes are subject to callable features. Subject to the terms in the products' offering documents, you can redeem your investment in structured notes before maturity. The early redemption amount may be affected by the prevailing market conditions and result in loss of the principal.

Please note that Digital Coupon Note on USD / HKD isn't subjected to early redemption.

No. Please visit any of our branches if you want to redeem your structured notes.

There is no handling fee for subscribing structured notes. For details, please refer to offering documents.

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Footnote

Other point(s) to note

  1. You should not only base on this material alone to make investment decisions, but should read the relevant offering documents of the investment products (including the full text of the risk factors stated therein) and risk disclosure statements of the relevant investment products in details before making any investment decision.
    You should obtain independent professional advice if you have concerns about your investment.
  2. In case of any inconsistencies or conflicts between the English version and versions of other languages, the English version shall prevail.

Remark(s)

  1. Structured notes (capital protected) are 100% capital protection only when it is held to maturity. The amount received by you upon early withdrawal/ termination may be less than the amount initially invested by you.
  2. This service is not available to customers who:
    • only hold joint-named integrated accounts
    • already hold a sole-named Prestige Banking account
    Such customers can make an appointment online to open or upgrade account in any of our branches.
  3. Integrated account is referring to the following accounts:
    • Prestige Banking
    • Preferred Banking
    • Integrated Account
    • Family+ Account