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40 years of hard work, for a lifetime of fulfilment

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40 years of hard work, for a lifetime of fulfilment

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.

40 years of hard work, for a lifetime of fulfilment

Hongkongers have the highest life expectancy in the world1. Plan ahead to live worry-free until 99.

Make everything within your control

The future is full of uncertainty. However, you can always plan ahead and be well prepared.

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  1. Source of the world’s highest life expectancy: Worldwide Average Life Expectancy Survey for Men and Women 2017, Japan’s Ministry of Health, Labour and Welfare.
  2. Source: “Mercer MPF Report” as at June 30, 2018 by Mercer (Hong Kong) Limited, in terms of market share of total MPF assets by scheme sponsor.


Important Notes for Reverse Mortgage Programme (the “Programme”):

  • The Reverse Mortgage Programme operated by HKMC Insurance Limited (“HKMCI“) and aimed for property owners who are aged 55 or above (or aged 60 or above for subsidised sale flats with unpaid land premium).
  • Borrowers must fulfil the criteria subject to the terms and conditions. For details, please refer to the Programme materials and offering documents.
  • The above information is for reference only and not complete. For details, please refer to the Programme materials and offering documents issued by HKMCI. Standard Chartered Bank (Hong Kong) Limited (“Standard Chartered“), HKMCI and HKMC Mortgage Management Limited reserve the right to amend and/or withhold the above offers, and the relevant terms and conditions at its discretion and without giving prior notice.

Important Notes for Life Insurance:

  • Standard Chartered is an insurance agent of Prudential Hong Kong Limited (a member of Prudential plc group) (“Prudential“).
  • As the issuer of the life assurance plans, Prudential will be responsible for all protection and claims issues. Prudential is not an associate or subsidiary company of Standard Chartered. This webpage is not a contract of insurance and is intended to be a general summary for reference purpose only. Please refer to the policy for full terms and conditions. Standard Chartered does not accept any responsibilities regarding any statements provided by Prudential or any discrepancies or omissions in the contract of insurance nor shall Standard Chartered be held liable in any manner whatsoever in relation to your contract of insurance.
  • This webpage is intended to be valid in Hong Kong only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. Prudential and Standard Chartered do not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions. This webpage does not constitute a contract of insurance or an offer, invitations or recommendation to any person to enter into any contract of insurance or any transaction described therein or any similar transaction.
  • Whether to apply for insurance coverage is your own individual decision. For Prudential’s life assurance plan policy provisions, details and risk disclosure please refer to relevant plan’s product leaflet/offering document and specimen policy.

Risk Disclosure Statement for investment product:

  • Investment involves risks. The prices of investment products fluctuate, sometimes dramatically. The price of the investment products may move up or down and may become valueless, and investors may not get back the amount they have invested. Past performance is no guide to its future performance.
  • Investors should read the terms and conditions contained in the relevant offering documents and in particular the investment policies and the risk factors and latest financial results information carefully and are advised to seek independent professional advice before making any investment decision.
  • Investors should not make investment decisions based on this webpage. Investors should ensure they fully understand the risks associated with investment products and should also consider their own investment objective and risk tolerance level.


  • This webpage does not constitute any offer, invitation or recommendation to any person to enter into any transaction described therein or any similar transaction. This webpage has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.