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FX Linked Deposit - High Yield Deposit

Seize the potential for
higher interest return
than ordinary time deposit
Important Notes:
FX Linked Deposit - High Yield Deposit is a structured product involving derivatives. The investment decision is yours but you should not invest in FX Linked Deposit - High Yield Deposit 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.
FX Linked Deposit - High Yield Deposit is not equivalent to or an alternative of time deposits. It is not a protected deposit, and is not protected by the Deposit Protection Scheme in Hong Kong.

Accrue higher potential interest rates than you would from conventional time deposits when the movement in foreign exchange market matches your view.

Investment Horizons - Up-to-date FX Market Information
Place High Yield Deposit Online

Capture Higher Potential Return

Higher Potential Interest Income
Enjoy higher potential return than conventional time deposits.
Opportunity to Exchange Foreign Currencies at More Favorable Rates
Get a chance to exchange foreign currencies at deposit maturity at more favorable rates than the current spot rates to meet your foreign currency needs.
A Wide Variety of Currencies for Selection
Choose from 9 currencies - AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD and USD to form almost 40 combinations of currency pairs.
Initial Exchange Rate at Your Discretion
Customize the "Initial Exchange Rate" according to your investment need. It can be above, equal to or below the current spot rate.
Tenor at Your Choice
Set the investment tenor according to your view and need. It can be as short as 1 week or as long as 1 year.
No Fees or Charges
Invest without any fees or charges to maximize your return.
Multiple Trading Channels
To place a deposit, visit any of our branches, call our Bank By Phone at 277 95533, or logon to Online Banking. You may also contact your relationship manager.
Open an Account and Trade Online Anytime
Open an FX Linked Deposit Account and trade anytime via Online Banking. Set up an eAlert and you will be notified of your FX Linked Deposit fixing exchange rate via SMS and/or email on maturity date.

Product Structure

If the Linked Currency appreciates against the Deposit Currency or if the Fixing Exchange Rate is equal to the Initial Exchange Rate, you will get back the principal amount plus the interest amount in the original Deposit Currency on the maturity date.

Conversely, if the Linked Currency deprecates against Deposit Currency, you will get back the principal amount plus the interest amount in the Linked Currency (using the Initial Exchange Rate).

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Apply Online Hotline 2903 8343 Visit Our Branches
Apply Online Hotline 2903 8343 Visit Our Branches

The above product is bound by the related terms and conditions. Please contact our staff for details.

Risk Disclosure
Investment involves risks. The prices of investment products fluctuate, sometimes dramatically, and may become valueless. Investors should not invest based on this web page alone. Before making any investment decisions, customers must consult their own independent financial advisors and read the relevant offering documents for further details including the risk factors in order to ensure that they fully understand the risks associated with the investment products.

FX Linked Deposit ("FXLD")
The FXLD is an unlisted investment product and subject to the credit and insolvency risks of the Bank. Its return is limited to the interest payable, which will be dependent on movements in some linked exchange rate. Whilst the possible return may be higher than conventional time deposits, it is normally associated with higher risks. Exchange rates are affected by a wide range of factors, including international finance, economics, politics, central banks and other bodies' intervention and natural events, and may rise or fall rapidly. The FXLD is not principal-protected and is not the same as directly buying the currencies of the currency pair. It is not protected by the Investor Compensation Fund. If the FXLD is approved by the Bank to be withdrawn before its maturity, the customer may also need to bear the costs involved which may reduce the return and the principal amount of the FXLD he may get back. There is no secondary market for the FXLD and it is not collateralized. The Bank can early terminate the FXLD.

This web page does not constitute advice to buy or sell, or an offer with respect to any investment products. This web page and the FX Linked Deposit abovementioned are issued by China Construction Bank (Asia) Corporation Limited which is a licensed bank regulated by the Hong Kong Monetary Authority. This web page has not been reviewed by any regulatory authorities in Hong Kong.

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