Earn High Interest with Investment and Insurance Product Subscriptions

PREMIER SELECT / PREMIER BANKING Customers enjoy up to 12% p.a. Time Deposit Interest Rate

Important Notes:
  1. Investment involves risk, prices of investment product may go up as well as down, and may become valueless.
  2. Some mutual funds may involve derivatives. Structured equity-linked products 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.
  3. Insurance products and investment products 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.
  4. You should obtain independent professional financial, tax or legal advices before making any investment decision.
Up to p.a.

Preferential Time Deposit Interest Rate

During the promotion period from now until September 30, 2022, eligible customers of CCB (Asia) who have successfully subscribed for designated investment products1 or applied for designated life insurance plans2 and fulfilled specified requirements, can enjoy preferential interest rates for Time Deposit of new funds3 at up to 12% p.a. for one month!
Designated Products Designated Transaction Amount Preferential Interest Rates (p.a.) for 1-month Time Deposit with New Fund

Mutual Fund / Structured Equity-Linked Products1
Aggregated Amount of HKD1,000,000 or above
(or equivalent)

(Maximum time deposit amount is 50% of the subscribed amount of designated investment products)

WISE BANKING / General Banking Customers: 6%4

(Maximum time deposit amount is 50% of the subscribed amount of designated investment products)

Life Insurance Plan
(Single Pay Products)2
Single Premium Amount of USD1,000,000 or above
(or equivalent)

(Maximum time deposit amount is 50% of the single premium amount)

Wealth Products Transaction Rewards of up to HK$28,800

What’s more, customers who have successfully placed and completed transactions of designated investment products and life insurance plans and fulfilled designated requirements on or before September 30, 2022 can enjoy up to HK$28,800 cash reward!

Learn more

Act now to seize the opportunities to maximize your wealth!
New Customers
Apply for e-Account Service and enjoy fabulous reward
Just a few steps to open account anytime, anywhere at your fingertips. No branch visit is needed!
Existing Customers
Open Investment Account via Online Banking

(Logon Online Banking > Investment > Open an Investment Account)

If not yet registered for Online Banking, please click “Register Now”


  1. Designated investment products include Mutual Fund (with minimum subscription fee 1.5%) or Structured Equity-Linked Products (excluding transactions with monetary benefit of up to 1% of the investment amount).
  2. Designated life insurance plans include any basic life insurance plans (single pay products) with the application date and issuance date of the relevant policy(ies) must fall within the Promotion Period.
  3. New funds refer to the funds which are newly deposited by customers and are not transferred from any accounts of the Bank. New funds do not include (i) deposits of cashier’s order/ cheques issued by the Bank nor (ii) transfers/ remittances from any accounts of the Bank (including bank accounts of Eligible Customers).
  4. To enjoy the offer, customers must place the time deposit within 30 calendar days from the subscription of the designated investment products.
  5. To enjoy the offer, customers must deposit the new funds within 30 days from the issuance date of the relevant policy(ies), and the issuance date of the policy(ies) and the placement date of the time deposit must both fall within the Promotion Period.
The above offers and services are bound by related terms and conditions, please refer to the following terms and conditions.
Share : facebook icon
social media button

Enquiry Hotline : 2903 8343

Risk Disclosure
Investment involves risks. The prices of investment products fluctuate, sometimes dramatically, and may become valueless. Investors should not invest based on this promotion material alone. Before making any investment decision, customers should consult their own independent professional financial, tax or legal 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.

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.

Structured Equity-linked Products
Investment in structured equity-linked products involves substantial risks including, among others, 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.

Customers should read the sales documents, including product brochure, benefit illustration (if applicable) and policy documents and provisions issued by relevant insurance company to understand the details of the insurance plan (including but not limited to detailed terms, conditions, coverage, exclusions, fees and product risks) and consider whether the insurance product meets their personal needs before application. Policyholders are subject to the credit risk of relevant insurance company.

For life insurance product, an insurance plan may comprise a savings element. Part of the premium will be paid for the insurance and related costs. If a customer is not completely satisfied with his/her life insurance policy, the customer has a right to cancel it within the cooling off period and obtain a refund of relevant premium and levy paid. To exercise such right, a notice of cancellation signed by the customer must be received by relevant insurance company's Hong Kong Main Office within the cooling off period (i.e. within 21 calendar days immediately following either the day of the delivery of the policy or delivery of a Cooling-off Notice (stating the availability of the policy and expiry date of the cooling off period) to the customer or the customer's nominated representative, whichever is the earlier). After the cooling off period is expired, if a customer cancels the policy before maturity, the surrender value may be less than the total premium the customer has paid.

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.

This promotion material does not constitute advice to buy or sell, or an offer with respect to any investment or insurance products. This promotion material and the FX linked deposits above mentioned 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 Ordinance (Chapter 41, Laws of Hong Kong) 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 promotion material has not been reviewed by any regulatory authorities in Hong Kong.

China Construction Bank (Asia) Corporation Limited (Insurance Intermediary License No: FA3132) (“the Bank”) is the appointed insurance agency of AIA International Limited (incorporated in Bermuda with limited liability) and FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability), to distribute relevant insurance products in the Hong Kong Special Administrative Region (“Hong Kong”). Relevant insurance products are the products of the insurance companies but not the Bank. 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 (“FDRS”)) 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 FDRS process with the customer; however, any dispute over the contractual terms of the insurance product should be resolved between the insurance company and the customer directly. Information on this promotion material is for reference only and is intended to be distributed in Hong Kong only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance product outside Hong Kong. You should not solely base on the above information to purchase any insurance product. You should consider whether the relevant insurance products fit your needs. Please refer to the product brochure, benefit illustration (if applicable) and policy documents and provisions for details of the relevant insurance products.