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Principal Protected with Guaranteed Returns
Principal Protected Structured Investments guarantees your capital and minimum returns at maturity. Earn maximum potential returns if the linked currency exchange follows your prediction.
Bespoke Currency Combinations
Invest in our daily updated in-house currency combinations. Select from HKD, USD, CNY, AUD, NZD, GBP, CAD, EUR or JPY. We're here to make investing easy.
Varying Tenors with a Low Investment Threshold
Investment Period can range from 1, 3, 6 or 9 months. The minimum Principal Amount is HKD$10,000 or its equivalent in another currency and designated amount for tailor-made products. Here to provide flexible choices for your various investment needs.
Multi Trading Channel
Subscribe to our investment products via Mobile Banking or Internet Banking.
Trading hours: Mondays to Fridays 8:00am to 8:00pm Saturdays 9:00am to 1:00pm except public holidays
*The above information is only a summary of the product features. Please refer to the "Important Facts Statement" for details. Terms and conditions apply.
CNY is selected as the Investment Currency. Within 3 months, the client expects a depreciation from 6.2000 to 6.0000 or less with USD against CNY. The Principal Amount and the Interest Amount calculated at Potential Interest Rate (3.50% p.a.) or Minimum Interest Rate (3.00% p.a.) will be received according to the Final Fixing Rate.
Terms
Principal Amount
CNY100,000
Investment Currency
CNY
Currency Pair
USD/CNY
Investment period
3 months (90 days)
Potential Interest Rate
3.50% p.a.
Minimum Interest Rate
3.00% p.a.
Target Rate
Initial Fixing Rate - 0.2000 = 6.0000
Initial Fixing Rate:
6.2000
Scenario 1 (Maximum Potential Returns)
If the Final Fixing Rate is
equal to or below the Target Rate 6.0000The amount received at maturity:
￥100,875
Principal 100%
+
3.50% p.a.
Principal amount + Interest amount
= CNY100,000 + CNY(100,000 x 3.50% x (90/360)) = CNY100,000 + CNY875
Scenario 2 (Guaranteed Returns)
If the Final Fixing Rate is
above the Target Rate 6.0000The amount received at maturity:
￥100,750
Principal 100%
+
3.00% p.a.
Principal amount + Interest amount
= CNY100,000 + CNY(100,000 x 3.00% x (90/360)) = CNY100,000 + CNY750
CNY is selected as the Investment Currency. Within 3 months, the client expects an appreciation from 6.2000 to 6.4000 or more with USD against CNY. The Principal Amount and the Interest Amount calculated at the Potential Interest Rate (3.50% p.a.) or Minimum Interest Rate (3.00% p.a.) will be received according to the Final Fixing Rate.
Terms
Principal Amount
CNY100,000
Investment Currency
CNY
Currency Pair
USD/CNY
Investment Period
3 months (90 days)
Potential Interest Rate
3.50% p.a.
Minimum Interest Rate
3.00% p.a.
Target Rate
Initial Fixing Rate + 0.2000 = 6.4000
Initial Fixing Rate
6.2000
Scenario 1 (Guaranteed Returns)
If the Final Fixing Rate is
below the Target Rate 6.4000The amount received at maturity:
￥100,750
Principal 100%
+3.00% p.a.
Principal amount + Interest amount
= CNY100,000 + CNY(100,000 x 3.00% x (90/360)) = CNY100,000 + CNY750
Scenario 2 (Maximum Potential Returns)
If the Final Fixing Rate is
equal to or above the Target Rate 6.4000The amount received at maturity:
￥100,875
Principal 100%
+3.50% p.a.
Principal amount + Interest amount
= CNY100,000 + CNY(100,000 x 3.50% x (90/360)) = CNY100,000 + CNY875
CNY is selected as the Investment Currency. Within 3 months, the client expects a depreciation from 6.2000 to 6.0000 or less with USD against CNY. The Principal Amount and the Interest Amount calculated at Potential Interest Rate (3.50% p.a.) or Minimum Interest Rate (3.00% p.a.) will be received according to the Final Fixing Rate.
Terms
Principal Amount
CNY100,000
Investment Currency
CNY
Currency Pair
USD/CNY
Investment period
3 months (90 days)
Potential Interest Rate
3.50% p.a.
Minimum Interest Rate
3.00% p.a.
Target Rate
Initial Fixing Rate - 0.2000 = 6.0000
Initial Fixing Rate:
6.2000
Scenario 1 (Maximum Potential Returns)
If the Final Fixing Rate is
equal to or below the Target Rate 6.0000
The amount received at maturity:
￥100,875
Principal 100%
3.50% p.a.
Principal amount + Interest amount
= CNY100,000 + CNY(100,000 x 3.50% x (90/360)) = CNY100,000 + CNY875
CNY is selected as the Investment Currency. Within 3 months, the client expects an appreciation from 6.2000 to 6.4000 or more with USD against CNY. The Principal Amount and the Interest Amount calculated at the Potential Interest Rate (3.50% p.a.) or Minimum Interest Rate (3.00% p.a.) will be received according to the Final Fixing Rate.
Terms
Principal Amount
CNY100,000
Investment Currency
CNY
Currency Pair
USD/CNY
Investment Period
3 months (90 days)
Potential Interest Rate
3.50% p.a.
Minimum Interest Rate
3.00% p.a.
Target Rate
Initial Fixing Rate + 0.2000 = 6.4000
Initial Fixing Rate
6.2000
Scenario 1 (Guaranteed Returns)
If the Final Fixing Rate is
below the Target Rate 6.4000
The amount received at maturity:
￥100,750
Principal 100%
3.00% p.a.
Principal amount + Interest amount
= CNY100,000 + CNY(100,000 x 3.00% x (90/360)) = CNY100,000 + CNY750
Note: When converting the Repayment Amount back to your home currency at maturity, the customer shall take into consideration the fluctuation in the exchange rate of the Investment Currency against your home currency as there can be a gain or loss.
*The above illustrative example and the scenario analysis are prepared with hypothetical data, and not based on the past performance of the currencies as stated herein. They are for reference only and do not guarantee or represent the final returns of Structured Investments. The above hypothetical examples should not be relied on as an indication of the actual performance of the Linked Currency or this product. You should not rely on these examples when making an investment decision.
Account Opening and Transaction Process
