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Grow your wealth and finance your property

Important Note:

Investment Fund is an investment product and some Investment Funds would involve derivatives. The investment decision is yours but you should not invest in that investment 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. Standard Chartered Bank (Hong Kong) Limited provides execution-only trading service over Online Unit Trusts and shall not advise you on the merits of a transaction, nor ensure the transaction is suitable for you.

Grow your wealth and finance your property

With so many choices out there, identifying the right investment for you isn’t easy. This is where Priority Banking comes in. Your dedicated relationship manager will provide you with personalised wealth solutions that are in line with your financial goals and risk profile.

A comprehensive suite of wealth solutions

Take advantage of our experienced team of wealth and insurance specialists to get wealth management solutions that work for you, along with actionable insights to help you make informed decisions.

  • A broad range of products including investment funds, structured products, foreign exchange, bonds, securities and insurance solutions
  • Timely global market views and in-depth market analysis provided by a global team of professionals working in our footprint. Our weekly and monthly reports are just a click away on your mobile phone, tablet or laptop
  • Invest online in mutual funds or shares listed on Hong Kong and Shanghai* stock exchanges with our online trading platform
  • Easy wealth lending solutions, with your assets with us, our WealthPro unlocks the liquidity in multi-currencies you need easily. You can obtain loans using your deposits as collateral for additional financial flexibility
  • A dedicated relationship manager, supported by a team of experienced Investment Advisors, helps you identify your investment needs and provides you with solutions across the full range of wealth management products
  • Our in-house Funds Select team analyses hundreds of funds from top local and global providers and identifies quality funds under different asset classes for you. So you can select funds that match your goals and risk profile

* Applicable to the Eligible Shanghai Stock Exchange stocks under the Northbound Trading of China Stock Connect.

Risk Disclosure Statement:
Investment involves risks. The prices of investment products may move up or down and the worst case will result in loss of your entire investment. Investors should consider their own investment objective, investment experience, financial situation and risk tolerance level; and also read the terms and conditions of the relevant investment services/offering documents including the risk disclosures, and are advised to seek independent professional advice before making any investment decision.

For detailed Risk Disclosure Statement, please refer to Appendix 3.

Note:
This webpage does not constitute any invitation or recommendation to any person to enter into any transaction of financial products. Investors should not make investment decisions based on this webpage alone. This webpage has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong. For the Risk Disclosure Statement of other investment products, please refer to the relevant Terms and Conditions.

Quarterly Asset Overview

As a Priority Banking client, you deserve a comprehensive range of wealth management services, which will enable you to take advantage of the best investment opportunities. We therefore present the quarterly “Asset Overview”*, offering you a graphic analysis of the aggregate balance** of your deposits, investment and life insurance plan(s).

For details, please refer to Appendix 4 or contact your Relationship Manager.

* All Priority Banking clients who have registered for Consolidated Statement with the average daily Relationship Balance in the past 3 months meeting the relevant Minimum Relationship Balance Requirement as mentioned below will receive the “Asset Overview”.

** Balance under joint name account where you are a secondary account holder will not be included in “Asset Overview”.

Our unparalleled Priority Banking service is available to you free of charge as long as your combined daily Relationship Balance+ for the past 3 months exceeds the minimum relationship balance requirement (“Requirement“). Otherwise, a quarterly maintenance fee of HKD900 will apply.

Client Type
Requirement
Standard HKD1,000,000 or equivalent
Clients with mortgage account# opened on or after 1 October 2017 HKD0 or equivalent
(For mortgage outstanding amount of HKD4,000,000 or above)

If clients cancel their Mortgage account with the Bank and if the average daily Relationship Balance of the Client within the quarter falls below HKD1,000,000, a maintenance fee of HKD900 will be charged for the quarter. For details, please refer to the Service Charges booklet and Banking Terms & Conditions which can be obtained at any of our branches or at our website sc.com/hk.

Important Notes:
+ Extract from the Bank’s Service Charges: “Relationship Balance” includes the aggregate balance of deposits, investments, accumulated premiums of selected Life Assurance Plans, utilised amounts of secured/unsecured overdraft facilities, outstanding balances on Standard Chartered credit cards^ and outstanding balances of Standard Chartered Personal Loans you maintain with the Bank under personal accounts.

With effect from 6 August 2018, the Relationship Balance of your personal account will also include the MPF account balance under Manulife Global Select (MPF) Scheme where you authorise and consent the Bank to receive your MPF account information.

^ Standard Chartered credit cards refer to Standard Chartered Credit Card, Standard Chartered WorldMiles Card and Standard Chartered co-branded credit card (including supplementary cards and corporate cards) issued by the Bank. Outstanding balances on supplementary cards will contribute to the Relationship Balance of the principal cardholder only.

# First 2 years quarterly maintenance fee of Priority Banking will be waived for mortgage clients (borrower or co-borrower) with mortgage account opened on or after 1 October 2017

Investment involves risks. Investors should consider their own investment objectives and risk tolerance level, and also read the terms and conditions of the relevant investment products before making any investment decision. The investment decision is yours but you should not invest in the 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.

Full suite of property solutions

A great property isn’t just a home – it’s an investment that can grow in value.

But buying or refurbishing property can be a painstaking process, whether you’re a seasoned investor or a first time buyer. We can help to make it easier.

  • A wide range of property loans with preferential interest rates and simple documentation
    • Mortgage $aver consolidates your mortgage loan account and current account, enabling you to reduce mortgage loan outstanding principal with interests earned from deposit in Mortgage $aver Current Account, while enjoying flexible cash withdrawal anytime
    • Term loans and equity loans
    • Commercial and industrial property loans for worry-free long-term investments, with competitive and transparent rates
  • Home contents insurance to protect the contents of your home against unforeseen incidents such as fire and theft
  • Invitations to property related events, including exclusive members only launches and seminars
  • Our loan specialists work with you to help you navigate the complexities of mortgages and loans so that you can make more informed decisions

Interest rate as low as the Bank’s Hong Kong Dollar Prime Rate minus 3.0% p.a. or 1-month Hong Kong Interbank Offered Rate plus 1.4% p.a. Rate quoted is an indicative information only.