Packaged Banking Services

Enjoy privileges up to HK$20,500 and up to 1.00% p.a. savings interest rate for new customer!

Important Notes:

  • Investment involves risk, prices of investment product may go up as well as down, and may become valueless.
  • Some mutual funds and bonds may involve derivatives. Structured equity-linked products and FX linked deposits are structured products involving derivatives. The investment decision is yours but you should not invest in an 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.
  • Insurance products and investment products including FX linked deposits, are not equivalent to or alternative of time deposits. They are not protected deposits, and are not protected by the Deposit Protection Scheme in Hong Kong. Investment products are not principal-protected except that some FX linked deposits are principal-protected conditionally.
  • You should obtain independent professional financial, tax or legal advices before making any investment decision.

Craft your wealth with CCB (Asia) Packaged Banking Service, and step up your interest earnings every month!

Within the promotion period, enjoy welcome privileges worth up to HK$20,500 and up to 1.00% p.a. savings interest rate by joining as a new Packaged Banking customer1.

Privilege 1

Enjoy up to HK$20,000 welcome offer and transaction privileges

Enjoy a welcome offer cash reward2 by fulfilling designated requirements. Customers who place and settle eligible new transaction(s)3 with designated transaction amount within the first 3 months will be entitled to the following benefits:

Welcome offer

  Daily Average Combined Balance Welcome Offer2 Cash Reward
PREMIER SELECT HK$5,000,000 equivalent or above HK$ 5,000
PREMIER BANKING HK$1,000,000 equivalent or above HK$ 1,500
WISE BANKING HK$500,000 equivalent or above HK$ 500
HK$100,000 to below HK$500,000 equivalent HK$ 300

Transaction privilege

Aggregated Transaction Amount of
Eligible New Transactions
Usage Offer
HK$200,000 equivalent or above Extra 1 time of Cash Reward of
Welcome Offer(Up to HK$5,000)
HK$600,000 equivalent or above Extra 3 times of Cash Reward of
Welcome Offer(Up to HK$15,000)

Privilege 2

Reward up to HK$500 top-up offer

Direct debit authorisation offer

Direct debit authorisation offer

Set up a Direct Debit Authorisation through your account with our bank to enjoy a reward of up to HK$2504.

eStatement offer

eStatement offer

Set up new eStatement for account through online banking to enjoy HK$50 cash reward5.

Credit card offer

Credit card offer

Apply for any credit card with our bank and submit all the required documents to enjoy a HK$100 reward6.

FPS offer

FPS offer

Enjoy up to HK$100 reward7 when designated requirement is fulfilled.

Privilege 3

Step Up Savings Account

Step Up Savings Account - Preferential Interest Rate up to 1.00% p.a.8

Eligible Customer who successfully opens a Step Up Savings Account, enrolls the offer and deposits new fund within the offer period will be entitled to:

Preferential Interest Rate (p.a.)
Currency Offer Period 1st month 2nd month 3rd month 4th month
HKD (Minimum deposit amount HKD100,000) 0.20% 0.30% 0.50% 1.00%
USD (Minimum deposit amount USD15,000) 0.20% 0.30% 0.50% 1.00%
RMB (Minimum deposit amount RMB100,000) 1.00% 1.50% 2.00% 2.50%

e-Account Service – Hassle-free Account Opening Anytime, Anywhere

Cash Payout Scheme

Our e-Account Service is available now! You can open our bank account without visiting our branch and simply do it anytime and anywhere. You can also enjoy exclusive reward up to HK$1,2009

Click here to learn more.

Tips on deposits and rates10

Deposit New Fund Welcome Offer Step Up Savings Account Preferential Savings Interest Rate (p.a.) Total Cash Reward
HK$5,000,000 or above HK$5,000 + Up to 1.00% Up to HK$13,000
HK$3,000,000 HK$1,500 Up to HK$6,500
HK$1,000,000 HK$1,500 Up to HK$3,000
HK$500,000 HK$500 Up to HK$1,300
HK$100,000 HK$300 Up to HK$400

Enjoy extra cash reward up to HK$15,000 by fulfilling designated transaction.

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Enquiry Hotline : 2903 8303

  1. The Promotion Period is from November 9, 2020 to February 28, 2021. New Packaged Banking customers are those who have not maintained any accounts in sole name or joint name (excluding credit card account) and used any banking products or services of the Bank in the past 12 months before any account opening within the Promotion Period.
  2. Customers are required to open the Online Personal Banking Service (including Online Banking PIN activation and first-time login to Online Banking) or apply for a UnionPay Dual Currency Debit Card (including successful usage of the card at least once); and open a designated account (securities trading account or a FX linked deposit account or a mutual fund investment account).
  3. Eligible New Transactions include Mutual Fund Investment Services / Bond Trading Services / Structured Equity-Linked Product Services / FX Linked Deposit Services / FX Margin Trading Services / Life Insurance Services / Currency Switching Services/ Non-leveraged Collateralized Foreign Exchange Trading Services. Customers are required to complete the related transaction(s) within the first 3 months after becoming our new customer.
  4. Successfully set up new Direct Debit Authorization Payment Service through our bank account and conduct DDA transaction successfully within 2 months after setting up the DDA.
  5. Eligible Customers who successfully set up new eStatement for account(s) (excluding cancelled and / or unsuccessful instruction(s)) via Online Personal Banking Service and / or Personal Mobile Banking Service (“Online Banking”) within first 3 months from the service commencement date during the Promotion Period.
  6. Customers must not maintain Principal Card of any Credit Card Account with the Bank in the 6 months prior to application (Customers can only enjoy once regardless of the number of applications).
  7. For more details and terms and conditions, please refer to "Faster Payment System Promotion" website at www.asia.ccb.com/fps/en.
  8. The Preferential Interest Rate is quoted as of December 15, 2020 and is for reference only and subject to change from time to time without prior notice. For more details and terms and conditions, please refer to "Step Up Savings Account Offer" website at www.asia.ccb.com/hk/stepup/en.
  9. Applicable to eligible customer only. e-Account Service currently does not support the new smart HKID introduced on November 26, 2018. For more details and terms and conditions, please refer "to e-Account Service Promotion" website at www.asia.ccb.com/hk/eaccount/en.
  10. Currency in Hong Kong Dollars. The calculation is based on assumptions (exclude monthly interest payment) and for reference only.

The offers and services are bound by related terms and conditions. For details, please refer to the relevant terms and conditions below or contact our staff

Terms & Conditions

Promotion Terms and Conditions for New Customer (“the Program”)

A. General Terms and Conditions:

1.The promotion period of the offers under the Program is from November 9, 2020 – February 28, 2021, both dates inclusive (“Promotion Period”).

2.Unless otherwise indicated, the Program is only applicable to new customers who have become our Packaged Banking customers within the Promotion Period and who have not maintained any accounts in sole name or joint name (excluding credit card account) and used any banking products or services of China Construction Bank (Asia) Corporation Limited (the “Bank”) in the past 12 months before opening any Savings or Checking account with the Bank (“Eligible Customers”).

3.An Eligible Customer will be entitled to each of the offers as specified under Section B (“Offers”) for only once during the Promotion Period; for joint accounts, only the primary account holders will be entitled to the Offers and qualify as Eligible Customers.

4.If an Eligible Customer is also entitled to other promotional offers for or relating to the same account, product or service, the Bank reserves the right to provide only one offer to the Eligible Customer.

5.If an Eligible Customer terminates or cancels any of the relevant services in respect of which offers would be awarded or no longer holds any Savings or Checking account with the Bank before or at the time of receiving the relevant Offers, he/ she will be disqualified.

6.If an Eligible Customer terminates the any part of the relevant service within 6 months of joining, the Customer shall pay the Bank a handling charge of HKD500 (applicable to PREMIER SELECT / PREMIER BANKING) / HKD150 (applicable to WISE BANKING) or such other charge as the Bank may determine from time to time. For details, please refer to the Terms and Conditions for China Construction Bank (Asia) PREMIER SELECT / PREMIER BANKING / WISE BANKING Service.

7.The Bank reserves the rights to suspend, modify or terminate any of the offer(s) or the Program and change these Terms and Conditions at any time.

8.Eligible Customers are also bound by the relevant terms and conditions of the banking products and services. Please refer to the relevant promotional materials or other bank’s website or contact our staff for details. In the event of any inconsistency between these Terms and Conditions and the relevant terms and conditions of the banking products and service, these Terms and Conditions of the Program shall prevail.

9.The Program is not applicable to the Capital Investment Entrant Scheme customers, commercial customers and private banking customers of the Bank.

10.In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail. In case of dispute, the decision of the Bank shall be final and conclusive.

B. Offers details:

11.Welcome Offer (“Welcome Offer”)

11.1An Eligible Customer must fulfill all the following Packaged Banking Service requirements (“Packaged Banking Service”) during the Promotion Period in order to be entitled to the Welcome Offer:

  1. Opens a Savings or Checking account with the Bank on a date within the Promotion Period (“Account Opening Month”).
  2. Becomes a PREMIER SELECT, PREMIER BANKING, WISE BANKING customer of the Bank.
    1. Registers for the Online Personal Banking Service of the Bank and logon to Online Personal Banking successfully for at least once within two months after the Account Opening Month; OR
    2. Applies for a UnionPay Dual Currency Debit Card issued by the Bank (the “Card”) and use the Card for at least once within two months after the Account Opening Month;
  3. Opens a securities trading account or a FX linked deposit account or a mutual fund investment account successfully within two months after the Account Opening Month ; AND
  4. Maintains the account balance as set out in the table under clause 11.2 (the “Daily Average Combined Balance”) for 6 months after the Account Opening Month. For the definition of Daily Average Combined Balance, please refer to the Terms and Conditions for China Construction Bank (Asia) PREMIER SELECT / PREMIER BANKING / WISE BANKING Service.

11.2The Daily Average Combined Balance requirements and the corresponding Welcome Offers for an Eligible Customer are as follows:

Packaged Banking Daily Average Combined Balance
(HK$ or equivalent)
Welcome Offer
PREMIER SELECT HKD5,000,000 equivalent or above HKD5,000 Cash Reward
PREMIER BANKING HKD1,000,000 equivalent or above HKD1,500 Cash Reward
WISE BANKING HKD500,000 equivalent or above HKD500 Cash Reward
HKD100,000 to below HKD500,000 equivalent HKD300 Cash Reward

11.3The cash reward will be credited directly to an Eligible Customer’s settlement account of Packaged Banking or his or her HKD Savings or Checking account opened most recently with the Bank according to the below time schedule:

Account Opening Date Date of crediting the cash reward
November 9, 2020 – December 31, 2020 On or before August 31, 2021
January 1, 2021 – February 28, 2021 On or before October 31, 2021

12.Step Up Savings Account Offer (“Step Up Offer”)
For more details and terms and conditions, please refer to “Step Up Savings Account Offer” website at www.asia.ccb.com/hk/stepup/en.

13.Usage Offer for Eligible New Transactions (“Usage Offer”)

13.1Usage Offer is applicable to Eligible Customers who have fulfilled the requirements of Welcome Offer listed in Clause 11.

13.2The Usage Offer will be available to an Eligible Customer who has placed and completed certain eligible new transactions (“Eligible New Transactions”) as specified in Clause 13.3 within 3 months after the Account Opening Month (“Eligible Transaction Period”) for an aggregated transaction amount as set out below:

Aggregated Transaction Amount
of Eligible New Transactions
Usage Offer
HKD200,000 equivalent or above Extra 1 time of Cash Reward of Welcome Offer
HKD600,000 equivalent or above Extra 3 times of Cash Reward of Welcome Offer

13.3Eligible New Transactions must be settled within the Eligible Transaction Period and Eligible New Transactions include:

  1. New subscriptions under the mutual fund investment service with subscription fee equal to or higher than 1.5%; and/ or
  2. New transactions under the bond trading service (except the bond subscription through initial public offering); and/ or
  3. New transactions under the structured equity-linked product service; and/ or
  4. New transactions under the FX linked deposit service (For each relevant deposit, the deposit principal will be regarded as the transaction amount); and/ or
  5. New transactions under the life insurance service - newly purchased and issued life insurance policies (For each relevant policy, the 1st year’s total premium will be regarded as the transaction amount no matter which premium payment mode); and/ or
  6. New transactions under the currency switching service; and/ or
  7. New transactions under the FX margin trading service; and/ or
  8. New transactions under the non-leveraged collateralized foreign exchange trading service.

 For example, an Eligible Customer who (1) opens a Savings account, (2) becomes a PREMIER SELECT customer of the Bank during Promotion Period and conducts certain Eligible New Transactions for an aggregated transaction amount of HKD800,000 within the Eligible Transaction Period, he/she can enjoy a cash reward of HKD5,000 under the Welcome Offer and an extra cash reward of HKD15,000 under the Usage Offer. The Eligible Customer can enjoy a total cash reward in the amount of HKD20,000.

Welcome Offer
HKD5,000 Cash Reward
+
Extra Reward of Welcome Offer
HKD5,000 x 3
=
Total Cash Reward
HKD20,000 Cash Reward

 For the purpose of the Usage Offer, the calculation of the Eligible New Transactions amount will be based on transaction amount made on the date of transaction and the aggregated transaction amount will be based on the requirements as set out in the table of clause 13.2.

13.4The calculation of the Eligible New Transactions will be calculated in Hong Kong dollar. If the relevant Eligible New Transactions are executed or calculated in foreign currency, the prevailing exchange rate as quoted by the Bank on the date as determined by the Bank will be adopted for the calculation of the aggregated transaction amount for converting from the foreign currency to Hong Kong dollar equivalent, which will be used to calculate the aggregated transaction amount of the Eligible New Transactions.

13.5If the calculation of the transaction amount of Eligible New Transactions includes any new issued life insurance policy(ies), such policy(ies) should remain in force at the time of receipt of Usage Offer. Otherwise, the related cash reward of Usage Offer will be forfeited absolutely and will not be provided to the Eligible Customer.

13.6Cash reward will be credited directly to Eligible Customer’s settlement account for Packaged Banking or a valid HKD Savings or Checking account opened most recently according to the time schedule found in paragraph 11.3. The Eligible Customer must also observe the conditions of the Program at all time and must remain as the Bank’s valid Packaged Banking customer at the time of receiving the cash rewards.

13.7The Bank reserves the right to determine and alter the aggregated transaction amount of Eligible New Transactions based on the Bank’s system record and verify the Eligible Customer’s transaction record in calculating the Eligible Customer’s eligibility of the Usage Offer. Each Eligible New Transactions shall be counted once for the Usage Offer, in case of any dispute, the Bank’s decision shall be final, conclusive and binding.

14.Credit Card Application Offer (“Credit Card Offer”)

14.1An Eligible Customer who applies for any principal credit card issued by the Bank (“Credit Card”) after the Account Opening Date and during the Promotion Period (“New Card Application”), and provides all necessary documents for that New Card Application, will be entitled to HKD100 cash reward.

14.2This Credit Card Offer is not applicable to an Eligible Customer who holds or cancels any principal Credit Card issued by the Bank in the past 6 months before submitting the New Card Application. Regardless of the number of New Card Application submitted during the Promotion Period, each Eligible Customer can only enjoy the Credit Card Offer once.

14.3Cash reward will be credited to Eligible Customer’s settlement account for Packaged Banking or his or her valid HKD Savings or Checking account opened most recently with the Bank according to the time schedule found in paragraph 11.3.

14.4Your eligibility for the Credit Card Offer is subject to our checking on your Card account status and your Card account(s) remaining valid and in good standing (as determined at our discretion) throughout the Promotion Period and at the time when the cash rebate is credited.

15.Direct Debit Authorization Offer (“DDA Offer”)

15.1An Eligible Customer who opens a HKD Savings or Checking account with the Bank and successfully sets up 2 new Direct Debit Authorization Payment instructions (“DDA”) (only applicable to the DDA in HKD) from his/her HKD Savings or Checking account with the Bank during the Promotion Period and has at least 1 DDA transaction successfully conducted within 2 months after date of setting up the DDA will be entitled to HKD250 cash reward. An Eligible Customer will be entitled to HKD100 cash reward only if Eligible Customer sets up 1 DDA.

15.2Each Eligible Customer can enjoy up to a maximum amount of HKD250 cash reward during the Promotion Period.

15.3The Eligible Customer’s relevant DDA must remain valid at the time of receipt of DDA Offer. Otherwise, the cash reward under the DDA Offer will be forfeited absolutely and will not be provided to the Eligible Customer.

15.4Cash reward will be credited to the Eligible Customer’s settlement account for Packaged Banking or his/her valid HKD Savings or Checking account opened most recently with the Bank according to the time schedule found in paragraph 11.3.

16.Extra Welcome Offer (“Extra Welcome Offer”)

16.1An Eligible Customer who has successfully set up a new eStatement instruction for his/her account(s) (excluding cancelled and/or unsuccessful instruction(s)) via Online Personal Banking Service and/ or Personal Mobile Banking Service (“Online Banking”) within 3 months after the Account Opening Month during the Promotion Period, will be entitled to receive HKD50 cash reward (“Extra Welcome Offer”).

16.2The Eligible Customer’s relevant eStatement set up status must remain valid at the time of receipt of Extra Welcome Offer. Otherwise, the cash reward under the Extra Welcome Offer will be forfeited absolutely and will not be provided to the Eligible Customer.

16.3Cash reward will be credited to the Eligible Customer’s settlement account for Packaged Banking or his/her valid HKD Savings or Checking account opened most recently with the Bank according to the time schedule found in paragraph 11.3.

17.Faster Payment System Offer
For more details and terms and conditions, please refer to “Faster Payment System Promotion” website at www.asia.ccb.com/fps/en.

Risk Disclosure
Investment involves risks. The prices of investment products fluctuate, sometimes dramatically, and may become valueless. Investors should not invest based on this promotional material alone. Before making any investment decision, 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.

RMB Currency Risk
RMB is currently not freely convertible and is subject to exchange controls and restrictions (which are subject to changes from time to time without notice). You should consider and understand the possible impact on your liquidity of RMB funds in advance. The fluctuation in the exchange rate of RMB may result in losses in the event that you convert RMB into other currencies.

Online Investment Trading Services
Due to unpredictable network traffic congestion and other reasons, the Internet and other electronic media may not be reliable media of communication and transactions conducted over the Internet and via other electronic media are subject to: (i) possible failure or delay in the transmission and receipt of instructions for any or all transactions in investment products or other information, and (ii) possible failure or delay of execution or execution at prices different from those prevailing at the time when your instructions were given. There are risks associated with the online investment trading system, including the failure of hardware and/or software, and the result of any such system failure may be that your orders are either not executed according to your instructions or are not executed at all. There are risks of interruption, distortion, omission, blackout or interception during the transmission of instructions for any or all transactions in investment products, as well as of any misunderstanding or errors in communication.

Initial Public Offering
The price of a security may move up or down, and may become valueless. There is a risk that losses may be incurred rather than making profits. You should read the relevant prospectus for detailed information about the proposed offer. You should also obtain independent financial professional advice before making any investment decision. This webpage does not constitute an offer or an invitation or an inducement by the Bank to any person to acquire, purchase or subscribe for the shares proposed to be offered.

Mutual Fund Investment
The past performance of a mutual fund is not a guide to its future performance and yields are not guaranteed. Customers could lose some or all of the principal amount invested. Funds are not obligations of, or guaranteed by, the Bank or any of its affiliates. The Bank will normally be paid a commission or rebate by the fund manager.

Bond Trading
Trading of bond involves liquidity risk and interest rate risk and there is no 100% guarantee of positive return but loss may be incurred. There is a risk that the bond issuer fails to promptly pay the client the interest or principal if a credit event or default occurs on the bond issuer. Investing in emerging markets bonds involves special consideration and higher risks, such as greater price volatility, less developed regulatory and legal framework, economic, social and political instability, etc.

Structured Equity-linked Products
Investment in structured equity-linked products involves substantial risks including market risks, liquidity risks, risks relating to changes in market conditions, counterparty risks, and the risks that the issuer(s) will be unable to satisfy its obligations under the structured equity-linked products. Customers should recognize that their structured equity-linked products may mature worthless. While the maximum return on a structured equity-linked product is usually limited to a predetermined amount of cash, an investor stands to potentially loss up to the entire investment amount if the underlying stock price moves substantially against the investor’s view.

FX Linked Deposit
FX linked deposit is an unlisted investment product and subject to the credit and insolvency risk of the Bank. Its return is limited to the interest payable, which will be dependent on movements in some linked exchange rate. 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. Whilst the possible return may be higher than conventional time deposits, it is normally associated with higher risks. When the fluctuation of the linked exchange rates differs from what the customer expected, the customer may have to bear the loss. While some FX linked deposit types are principal-protected conditionally, others are not principal-protected. FX linked deposit is not the same as investing in its linked currency. It is not protected by the Investor Compensation Fund. If the FX linked deposit 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 FX linked deposit he may get back. There is no secondary market for the FX linked deposit and it is not collateralized. The Bank can early terminate FX linked deposit.

FX Margin Trading
The risk of loss in leveraged foreign exchange trading can be substantial. You may sustain losses in excess of your initial margin funds. Placing contingent orders, such as “stop loss” or “stop limit” orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position will be liquidated. You will remain liable for any resulting deficit in your account. You should therefore carefully consider whether such trading is suitable in light of your own financial position and investment objectives. Currency exchange rates are affected by a wide range of factors, including national and international financial and economic conditions and political and natural events. The effect of normal market force may at times be countered by intervention by central banks and other bodies. At times, exchange rates, and price linked to such rates, may rise or fall rapidly. Please refer to the risk disclosures in the specific documentation of these products before making a decision to invest using margin or leverage.

Non-leveraged Collateralized Foreign Exchange Trading
The risk of loss in foreign exchange trading can be substantial. You may sustain losses in excess of your initial margin funds. Placing contingent orders, such as "stop loss" or "stop limit" orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position will be liquidated without your consent. You will remain liable for any resulting deficit in your account. You should therefore carefully consider whether such trading is suitable in light of your own financial position and investment objectives. Currency exchange rates are affected by a wide range of factors, including national and international financial and economic conditions and political and natural events. The effect of normal market force may at times be countered by intervention by central banks and other bodies. At times, exchange rates, and price linked to such rates, may rise or fall rapidly. Please refer to the risk disclosures in the specific documentation of these products before making a decision to invest using margin.

Insurance
Customers should read and understand the details of the insurance plan(s) (including but not limited to exact terms, conditions, coverage and exclusions) before any enrollment to assure the insurance products meet their personal needs. Specific details, terms and conditions applicable to insurance products are set out in respective insurance policies to be issued by the relevant insurance companies. Policyholders are subject to the credit risk of insurance companies. For life insurance products, an insurance plan may comprise a savings element. Part of the premium pays for the insurance and related costs. If a customer is not happy with the customer’s policy, the customer has a right to cancel it within the cooling off period and obtain a refund of any premiums and any levy paid. A written notice signed by the customer should be received by the insurer's Hong Kong Main Office within the cooling off period (that is, 21 days after the delivery of the policy or issue of a notice (informing the customer/ the customer’s representative about the availability of the policy and expiry date of the cooling off period), whichever is the earlier). After the expiration of the cooling off period, if the customer cancels the policy before the end of the term, the projected total cash value may be less than the total premium the customer have paid.

Currency switching
Currency exchange rates are affected by a wide range of factors, including national and international financial and economic conditions and political and natural events. The effect of normal market forces may at times be countered by intervention by central banks and other bodies. At times, exchange rates, and prices linked to such rates, may rise or fall rapidly.

Disclaimer
The Bank is an agent of the insurance company and the product is a product of the insurance company but not the Bank; and in respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly between the insurance company and the customer. This webpage does not constitute advice to buy or sell, or an offer with respect to any investment or insurance products. This webpage, the FX linked deposits abovementioned are issued by China Construction Bank (Asia) Corporation Limited which is a licensed bank regulated by the Hong Kong Monetary Authority, an approved insurance agent under the Insurance Companies Ordinance and a Registered Institution (CE No. AAC155) under the Securities and Futures Ordinance to carry on Type 1 (Dealing in Securities) and Type 4 (Advising on Securities) Regulated Activities. This webpage has not been reviewed by any regulatory authorities in Hong Kong.

To borrow or not to borrow?
Borrow only if you can repay!