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FX Linked Deposit - Principal Protected Deposit

Invest with principal protection
and maximize potential return
Important Notes:
-
FX Linked Deposit - Principal Protected Deposit is a structured product involving derivatives. The investment decision is yours but you should not invest in FX Linked Deposit - Principal Protected 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.
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FX Linked Deposit - Principal Protected Deposit is principal-protected conditionally and subject to the credit risk of the Bank. It 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.
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With Principal Protected Deposit, you can enjoy higher potential return if the currency movement matches your expectation. The principal is 100% protected regardless of how the exchange rate performs. Principal Protected Deposit is a flexible investment tool that balances your risk and return.


Investment Horizons - Up-to-date FX Market Information
Open an FX Linked Deposit Account via Online Banking

  • Features
  • Deposit Types
  • Key Risks

Capture Higher Potential Return with Principal Protection


Higher Potential Interest Income
Enjoy higher potential return than conventional time deposits.
100% Principal Protection
Get back 100% of the principal amount upon deposit maturity regardless of whether the currency pair moves according to your view.
Promised Minimum Return*
Receive a minimum return even though the exchange rate does not move along with your expectation.
No Currency Conversions
Get back the principal and receive the interest* in the deposit currency at maturity.
A Wide Variety of Currencies for Selection
Choose from 10 currencies - AUD, CAD, CHF, CNH, CNY, EUR, GBP, HKD, JPY, NZD and USD to form over 70 combinations of currency pairs#.
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.
Open an Account Online Anytime
Open an FX Linked Deposit Account via Online Banking anytime you want.

Product Structure


If the relevant exchange rate moves along with your view, you will get back the principal and receive high interest on the maturity date.
Conversely, if the relevant exchange rate moves against your view, you will get back the principal and receive low interest (if any)* on the maturity date.
Regardless of how the exchange rate performs, you will get back the principal on the maturity date.
The picture above is not drawn to scale.

Multiple Deposit Types


Pick the deposit type that matches your forecast of the relevant exchange rate.

Range Bound

Trending

  • American Range
  • European CNH/CNY Bullish
  • European CNH Step-up Bullish
  • European CNH Bearish
  • American Bullish
  • American Bearish

Learn more about Deposit Types


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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.

* Promised minimum return (low interest) applies to certain tranches only. Please refer to the relevant term sheets for details.
# Certain types of Principal Protected Deposit have limited currencies pairs. Please refer to the relevant Important Facts for details.

Risk Disclosure

The principal protection feature is only applicable if this product is held to maturity.
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 - Principal Protected 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 principal-protected but 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.


RMB Currency Risk

RMB is subject to the PRC government's control (for example, exchange restrictions). Besides, there is no guarantee that RMB will not depreciate. If customers convert Hong Kong Dollar or any other currency into RMB so as to invest in RMB denominated investment products and subsequently convert the RMB redemption proceeds back into Hong Kong Dollar or any other currency, you may suffer a loss if RMB depreciates against Hong Kong Dollar or other currency.


Disclaimer

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 Principal Protected 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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