This is a structured product involving derivatives. The investment decision is yours but you should not invest in the Financial Product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
This Financial Product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. The repayment of this Financial Product is not guaranteed by the Hong Kong SAR Government's Exchange Fund.
Premiums Deposit is a flexible investment product that is linked to currency exchange rate. It is more suitable to invest in Premium Deposits when the forex market is stable. Premium Deposits provides an opportunity to use currency option to earn a higher potential return according to personal investment preference and outlook on the relevant currency exchange price. Even if the the linked currency exchange price does not move in line with your expectation, the preferential interest amount can offset part of the loss.
Option Linked Deposits is a flexible investment product that is moderate but also aggressive, and is linked to currency exchange rate. It provides an opportunity to use the FX option to earn a higher potential return according to personal investment preference and outlook on the relevant currency exchange price. Even if your forecast is inaccurate, you are guaranteed to get back the principal in full.
