A Wide Selection of Stocks

Over 100 Hong Kong listed stocks and ETF for selection

Stocks available for selection

Low Investment Amount

Invest in securities with monthly investment contribution amount as low as HKD1,000 each month

Low Handling Charges

The handling charge, costs as low as HKD50 per month per security, includes brokerage fee, stamp duty, HKEX trading fee, SFC transaction levy, AFRC transaction levy, safe custody fee, securities deposit charge for purchase order and nominee services fees.There is no charge for plan readjustment, or termination

Fee Table

Direct Debit for Maximum Convenience

Your monthly investment amount will be paid by direct debit for convenience¹

Manage Your Investment Plan With Ease

You may capture investment opportunities by selling all or part of your securities at any time through Hang Seng Personal e-Banking, Hang Seng Invest Express mobile app and Manned Securities Trading Hotline (2532 3838) or at designated branches²

Dollar Cost Averaging

By using Dollar Cost Averaging investment method, you can buy more shares/units when the price goes down and fewer shares/units when the price goes up with a fixed monthly investment amount. Monthly Investment Plan for Stocks enables you to capitalise on the potential returns (if any) of the stock market in medium to long term without having to worry about short-term price fluctuations

Notes:

1.

Customers should set up a direct debit authorisation together with plan subscription for subsequent monthly investment payment at designated branches or via Hang Seng Personal e-Banking.

2.

After a securities transaction has been executed, the Bank will make available the essential features of the securities transaction as soon as reasonably possible through such means or medium including but not limited to Personal e-Banking, Automated Securities Trading Hotline, Instant Order Confirmation Service or personal call provided by the Bank from time to time and at the Bank's discretion. Customers shall check the essential features of the securities transactions by themselves through such means or medium provided by the Bank.

Sale orders of securities are subject to the brokerage fee and the transaction charges charged by third parties such as SFC Transaction Levy, AFRC Transaction Levy, Stamp Duty and Trading fee, etc.

How the Plan Works

Example (For illustration only)
Assuming the customer's regular investment amount is HKD2,000. The investment amount after deduction of the handling fee (0.25% of the monthly investment amount or HKD50 per security, whichever is higher) will be used for purchasing securities. The number of shares/units allocated to each customer will be rounded down to the nearest whole number of shares/units. Any remaining dollar amount will be credited to the customer's payment account within five trading days following the Securities Purchase Date.

For more information, please call 2822 0228 during office hours.

Notes:

8.

Only applicable to Hang Seng Integrated Account customers and not applicable to joint accounts. Joint name Integrated Account customers can set up a Monthly Investment Plan through e-Banking service after their Monthly Investment Plan securities account has been set up at our branches.

Other Important Risk Warnings:

Investors should note that an exchange traded fund ("ETF") is different from a typical unit trust and many factors will affect its performance. The market price per ETF unit could be significantly higher or lower than its net asset value per unit due to market demand and supply, liquidity, and scale of trading spread in the secondary market and will fluctuate during the trading day. 

While the investment objective of an index-tracking ETF is to match, before expenses, as closely as practicable the performance of the underlying index, there can be no assurance that the performance of the index-tracking ETF will be identical to the performance of the underlying index. 

Like other index-tracking funds, an ETF is not actively managed meaning that the fund manager does not have discretion to select stocks individually or to take defensive positions in declining markets. Hence, any fall in the underlying index will result in a corresponding fall in the value of the ETF. In addition, to the extent that the underlying index concentrates in the securities of a particular industry or group of industries, the performance of ETFs could be more volatile than the performance of less concentrated funds. 

In respect of an ETF which invests in financial derivative instruments issued by counterparties, it is subject to the credit risk of such counterparties.

Before deciding whether or not to invest in an ETF, investors should consider if investment in the ETF is suitable for them in terms of their financial situation, investment experience and investment objectives. In addition, investors should avoid excessive investment in any single type of investment (in terms of its proportion in investors' overall investment portfolio) including any proposed investment in the relevant ETF so as to avoid their investment portfolio being over-exposed to any particular investment risk.

Investors should note that investment involves risks (including the possibility of loss of the capital invested), prices of ETF units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read the offering documents of the relevant ETF (including the full text of the risk factors stated therein) in detail before making any investment decision.