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    Capital Protected Investment (CPI) Deposit

    Investment involves risks. Prices of foreign exchange may go up or down. The relevant interest rate(p.a.), which is provided for reference only, is only applicable to the Capital Protected Investment Deposit of the designated product category, currency pair and tenor.

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    Overview

    Capital Protected Investment Deposit - 3 Main Features (Cantonese version)

    Investors can choose Bearish CPI deposit if you anticipate the linked currency with bearish view will depreciate. You may refer to the below illustrative examples to understand different investment types & return scenarios of bearish CPI deposit.

    Illustrative example

    If you invest in a Capital Protected Investment Deposit as follows:

    Terms

    Amount

    Investment amount[1]

    HKD 150,000

    Investment type

    European Bearish on GBP (GBP / USD)

    Tenor

    3 months

    Potential return

    4.50% p.a.

    Minimum return

    1.50% p.a.

    Spot

    1.4000

    Trigger level

    1.3000

    GBP / USD is equal to or below 1.3000 on Final Exchange Rate Determination Date

    1. When you subscribe

      You invest HKD 150,000

    2. At maturity

      Total final amount HKD 151,687.5 (100% Principal & Potential Return)

    Your returns at maturity HKD 150,000 x (1+4.5% x 3/12) = HKD 151,687.5

    GBP / USD is above 1.3000 on Final Exchange Rate Determination Date

    1. When you subscribe

      You invest HKD 150,000

    2. At maturity

      Total final amount HKD 150,562.5 (100% Principal & Potential Return)

    Your returns at maturity HKD 150,000 x (1+ 1.5% x 3/12) = HKD 150,562.5

    The bank becomes insolvent or defaults on its obligation

    1. When you subscribe

      You invest HKD 150,000

    2. You lose your entire capital

      Total final amount HKD 0

    More Foreign Currency Investment Products

    MaxiInterest Investment Deposit

    • Enjoy potential interest return
    • May exchange up to 10 different linked currencies at pre-defined exchange rate upon maturity
    • Invest online with just HKD5,000
    View details
    This is a structured product involving derivatives. The maximum potential gain is limited to the pre-agreed interest rate. Investment involves risks. Price of FX exchange may go up or down. You should read and understand all the relevant product documents/service terms and conditions and risk disclosure statements before making any investment decision.

    FX & Precious Metal Margin Trading Services

    • Trade at a leverage ratio up to 15 times
    • Buy / sell amid market ups & downs with trading spread as low as 6 basis points for online trading
    View details
    Investment involves risks. The risk of loss in leveraged foreign exchange and precious metal trading can be substantial. You may sustain losses in excess of your initial margin funds. You should carefully consider whether FX and precious metal margin trading is suitable for you in light of your own financial position and investment objectives. You should read and understand all the relevant product documents/service terms and conditions and risk disclosure statements before making any investment decision.

    Need more help?

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    FX hotline: (852) 2822 8233 Personal customer: (852) 2822 0228 Commercial customer: (852) 2198 8000

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    Footnote

    Remark(s)

    1. Assume deposit currency is home currency.
    2. For the full list of Foreign Currency Investment Products, please visit hangseng.com > “Investments” > “Foreign Currency Investments” Section.

    100% capital protected, subscribe currency pair in 5 steps

    View return rates