Multiple Rewards for Investment Transactions
Up to HK$93,388 Cash Rewards and
Up to 7.8% p.a. New Fund Time Deposit Interest Rate
CCB (Asia) provides diversified investment products to meet your various investment needs, empowering you to capture wealth-building opportunities and seize a realm of abundant rewards!
During the promotion period from now until September 30, 2026, eligible customers who successfully complete designated investment product transactions can enjoy:
New or designated Mutual Fund/ Bond customers who complete below designated transaction and fulfill the relevant aggregated amount requirement can enjoy the cash reward:
| Mutual Fund/ Bond Aggregated Transaction Amount (HKD or equivalent) |
Cash Reward |
|---|---|
| HK$4,000,000 or above | HK$15,000 |
| HK$2,500,000 - below HK$4,000,000 | HK$5,000 |
| HK$500,000 - below HK$2,500,000 | HK$1,000 |
| HK$200,000 - below HK$500,000 | HK$400 |
New or designated Mutual Fund/ Bond customers are defined as customers who have not placed and settled any transactions for (i) Mutual Fund (including mutual fund subscription, mutual fund switching and Regular Mutual Fund Investment Plan) and (ii) Bond from January 1, 2026 to June 30, 2026 (both dates inclusive); and do not have any (i) Mutual Fund and (ii) Bond held based on the Bank’s record as of June 30, 2026.
Extra Reward
Mutual Fund
New or designated Mutual Fund customers can enjoy 0% subscription fee on the first eligible online Mutual Fund subscription made via Online Banking or Mobile Banking and the cap of the subscription fee reduction is HK$6,0001!
Bond
New customers who complete eligible Bond transaction(s)2 can enjoy an extra cash reward of HK$500!
New or designated Mutual Fund customers are defined as customers who open Mutual Fund Accounts within the Promotion Period and do not hold any Mutual Fund Accounts with the Bank on June 30, 2026; or opened Mutual Fund Accounts within July 1, 2025 to June 30, 2026 (both dates inclusive), and have not placed and settled any Mutual Fund transactions (including mutual fund subscription, mutual fund switching and Regular Mutual Fund Investment Plan) during this period.
New customers are defined as customers who become the Bank’s customers within the Promotion Period and have neither maintained any accounts in sole name or joint name nor used any of the Bank’s banking products or services (excluding credit card accounts and Wealth Management Connect “Southbound Scheme” accounts) during July 1, 2025 to June 30, 2026 (both dates inclusive).
New customers are defined as customers who become the Bank’s customers within the Promotion Period and have neither maintained any accounts in sole name or joint name nor used any of the Bank’s banking products or services (excluding credit card accounts and Wealth Management Connect “Southbound Scheme” accounts) during July 1, 2025 to June 30, 2026 (both dates inclusive).
All customers can enjoy HK$500 cash reward for every successful transfer-in eligible fund(s) in the cumulative amount of HK$100,000 equivalent, up to a maximum of HK$10,000 cash reward!
What’s more, you can even enjoy 0% subscription fee for “Jian Fu Bao3” and Regular Mutual Fund Investment Plan!
Equity Linked Investment Product
New or designated Equity Linked Investment Product customers who complete the subscription with the designated aggregated amount4 and fulfil buy and sell stocks trade requirements5 can enjoy the cash reward below:
| Eligible Equity Linked Investment Product Aggregated Subscription Amount (HKD or equivalent) |
Cash Reward |
|---|---|
| HK$6,000,000 or above | HK$23,888 |
| HK$4,000,000 - below HK$6,000,000 | HK$13,888 |
| HK$2,000,000 - below HK$4,000,000 | HK$6,888 |
| HK$500,000 - below HK$2,000,000 | HK$1,688 |
Extra Reward
By subscribing for Equity Linked Investment Product (US shares), customers can enjoy an extra HK$500 cash reward per each subscription, up to a maximum of HK$5,000 cash reward6!
New or designated Equity Linked Investment Product customers are defined as customers who have not subscribed any Equity Linked Investment Product from January 1, 2026 to June 30, 2026 (both dates inclusive).
Non-Equity Linked Investment Product
All customers who complete the subscription for Non-Equity Linked Investment Product can enjoy a HK$200 cash reward for every accumulated subscription amount of HK$500,000 equivalent7, up to a maximum of HK$10,000 cash reward!
New or designated High Yield Deposit customers can enjoy a HK$500 cash reward for every accumulated FX Linked Deposit – High Yield Deposit transaction amount of HK$500,000 equivalent, up to a maximum of HK$5,000 cash reward!
New or designated High Yield Deposit customers are defined as customers who have not placed any FX Linked Deposit - High Yield Deposit in any form via the Bank from January 1, 2026 to June 30, 2026 (both dates inclusive).
New or designated FX customers who exchange designated currencies can enjoy foreign currency cash rewards of up to HK$18,000 equivalent. All customers can enjoy up to 17.8% p.a. Foreign Exchange Time Deposit Interest Rate8 and up to 40% FX spread discount!
New or designated FX customers are defined as customers who have not conducted any FX transactions via any channels of the Bank in sole name or joint name account from July 1, 2025 to June 30, 2026 (both dates inclusive).
All customers can enjoy a $0 unlimited brokerage fee waiver for US Securities Trading, along with new Securities customers welcome offers and other Securities investment advantages!
New Securities customers are defined as customers who successfully open a Securities Cash Trading account and/or a Securities Margin Trading account with the Bank during the Promotion Period, and do not have any securities accounts either in sole name or joint names with the Bank during the period from January 1, 2026 to June 30, 2026 (both dates inclusive).
All customers who successfully complete one or more eligible investment product transaction9 with aggregated amount of HK$300,000 equivalent or above, can enjoy the following time deposit offer with new funds by visiting our branches or via phone call within 14 calendar days from the date of the first eligible investment product transaction:
| Eligible Investment Product Transaction | Designated Currency | Tenor | Time Deposit Interest Rate (p.a.) Offer |
|---|---|---|---|
|
USD | 7.8% | |
| AUD | |||
| HKD | 5.8% | ||
| RMB |
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Remarks:
- Only applicable to the first online mutual fund subscription and is not applicable to i) mutual fund subscription with net subscription fee below 1.5%, ii) mutual fund switching, iii) mutual fund transfer-in and vi) Regular Mutual Fund Investment Plan.
- Only applicable to eligible Bond transaction(s) with a minimum aggregated transaction value of HK$200,000.
- "Jian Fu Bao" is a collective term used by our Bank to refer to existing Money Market Funds category products; it is a marketing term tailored for improving customer comprehension, and does not signify the introduction of a new product, account, or platform by our Bank.
- Only applicable to subscription transactions of Equity Linked Investment Product where the Bank's monetary benefit being more than 2% of the investment amount.
- Personal Banking Customers who have successfully conducted buy or sell trades of any HKD-denominated or RMB-denominated securities listed on HKEX and US securities listed on NASDAQ Exchange, New York Stock Exchange and American Stock Exchange through automated trading channels (including Online Banking, Mobile Banking and FortuneLink Mobile App) of the Bank (but excluding IPO subscriptions, Securities Monthly Investment Plan transactions, transactions for securities listed on SSE via the Shanghai-Hong Kong Stock Connect, transactions for securities listed on SZSE via the Shenzhen-Hong Kong Stock Connect and stocks deposit transactions); Private Wealth and Private Banking Customers who have successfully conducted any buy or sell trades for HKD-denominated or RMB-denominated securities listed on HKEX, securities listed on SSE via the Shanghai-Hong Kong Stock Connect, securities listed on SZSE via the Shenzhen-Hong Kong Stock Connect and US securities listed on NASDAQ Exchange, New York Stock Exchange and American Stock Exchange (but excluding IPO subscriptions, Securities Monthly Investment Plan transactions and stocks deposit transactions) via any trading channels.
- Only applicable to eligible customers who are rewarded with “Up to HK$23,888 Cash Reward for Equity Linked Investment Product Subscriptions”. For each Equity Linked Investment Product (US shares) subscription, customers can enjoy an extra HK$500 cash reward. The maximum extra cash reward for each eligible customer is capped at HK$5,000.
- Only applicable to subscription transactions of Non-Equity Linked Investment Product where the Bank's monetary benefit being more than 1% of the investment amount.
- Customers who exchange a designated currency in the amount ranging from HK$100,000 to HK$50,000,000 equivalent to any time deposit currency and simultaneously place a 1-week Time Deposit with the exchanged currency in its entire amount traded by visiting our branches or via phone call, can enjoy up to 17.8% p.a. interest rate.
- Eligible Investment Product Transaction includes: a) Subscriptions or switching under the Mutual Fund Investment Service with net subscription or switching fee equal to or higher than 1%; and/or b) Structured Investment Product subscriptions with monetary benefit 1% of the investment amount or more; and/or c) New subscriptions under the Bond Investment Service (except the bond subscription through initial public offering) and only applicable to new transactions where the Bank’s monetary benefit 1% of the investment amount or more.
- For more details, please refer to the relevant website at www.asia.ccb.com/hk/newcif/en.
The above offers and services are bound by related terms and conditions, please refer to the following items and conditions or the promotion pages for respective products and services.
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Risk Disclosure
Investment involves risks. The prices of investment products fluctuate, sometimes dramatically, and may become valueless. 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. Some investment products may involve derivatives. Certain investment products may not be available in all jurisdictions and/or may be subject to restrictions. 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. 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. The information is not an investment advice and does not constitute any offer or solicitation to offer or recommendation of any investment product.
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 are risks that the bond issuer will be unable 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.
Interest Rate Risk
If the client’s investments are interest rate-linked (such as bonds), the value of the investment can fall when interest rates rise. There is an inverse relationship between bond prices and bond yield, which means as bond prices go down, the yields go up (and vice versa). The price of a bond carries an interest rate risk because if interest rates rise, outstanding bonds will not remain competitive unless their yields and prices are adjusted to reflect the rise.
FX Linked Deposit - High Yield Deposit
FX Linked Deposit - High Yield Deposit is a structured product involving derivatives. 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. This product is an unlisted investment product and is not protected by the Investor Compensation Fund, customer is subject to the credit and insolvency risk of the Bank. Investing in this product is not the same as buying the linked currency directly. 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. When the fluctuation of the linked exchange rates differs from what the customer expected, the customer may have to bear the loss. FX Linked Deposit - High Yield Deposit is designed to be held till maturity, customer does not have the right to early terminate this product. There is no secondary market for the FX Linked Deposit - High Yield Deposit and it is not collateralized. The Bank can early terminate this product.
Currency Exchange
Currency exchange involves bid-ask spread.
Exchange Rate Risk
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. The fluctuations in the exchange rate of a foreign currency may result in losses in the event that you convert HKD to any foreign currency or vice versa.
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. Onshore RMB and offshore RMB are traded in different and separate markets operating under different regulations and independent liquidity pool with different exchange rates. Their exchange rate movements may deviate significantly from each other.
Structured Investment Product
Structured investment products are structured products which involves derivatives and 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 investment products. Customers should recognize that their structured investment products may mature worthless. While the maximum return on a structured investment product is usually limited to a predetermined amount of cash, an investor stands to potentially lose up to the entire investment amount if the underlying asset price moves substantially against the investor’s view.
Securities Trading
It is as likely that losses will be incurred rather than profits made as a result of buying and selling securities.
Securities Margin Trading
If a client maintains a margin account with the Bank, the risk of loss in financing a transaction by deposit of collateral is significant. The client may sustain losses in excess of the client’s cash and any other assets deposited as collateral with the Bank. Market conditions may make it impossible to execute contingent orders, such as “stop-loss” or “stop-limit” orders. The client may be called upon at short notice to make additional margin deposits or interest payment. If the required margin deposits or interest payments are not made within the prescribed time, the client’s securities collateral may be liquidated without the client’s consent. Moreover, the client will remain liable for any resulting deficit in the client’s account and interest charged on the client’s account. The client should therefore carefully consider whether such a financing arrangement is suitable in light of the client’s own financial position and investment objectives.
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.
Disclaimer of Online Investment Trading Services
Disclaimer
China Construction Bank (Asia) Corporation Limited is a licensed bank regulated by the Hong Kong Monetary Authority 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 is intended to be distributed in the Hong Kong Special Administrative Region (“Hong Kong”) for reference 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 investment product in or outside Hong Kong and does not constitute any prediction of likely future movements in prices of any investment products. This promotion material is issued by China Construction Bank (Asia) Corporation Limited, and has not been reviewed by the Securities and Futures Commission or any other regulatory authorities in Hong Kong.
Risk Disclosure for Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect
Investment involves risks. The prices of investment products fluctuate, sometimes dramatically, and may become valueless. 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. Some investment products may involve derivatives. Certain investment products may not be available in all jurisdictions and/or may be subject to restrictions. 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. 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. The information is not an investment advice and does not constitute any offer or solicitation to offer or recommendation of any investment product.
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 are risks that the bond issuer will be unable 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.
Interest Rate Risk
If the client’s investments are interest rate-linked (such as bonds), the value of the investment can fall when interest rates rise. There is an inverse relationship between bond prices and bond yield, which means as bond prices go down, the yields go up (and vice versa). The price of a bond carries an interest rate risk because if interest rates rise, outstanding bonds will not remain competitive unless their yields and prices are adjusted to reflect the rise.
FX Linked Deposit - High Yield Deposit
FX Linked Deposit - High Yield Deposit is a structured product involving derivatives. 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. This product is an unlisted investment product and is not protected by the Investor Compensation Fund, customer is subject to the credit and insolvency risk of the Bank. Investing in this product is not the same as buying the linked currency directly. 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. When the fluctuation of the linked exchange rates differs from what the customer expected, the customer may have to bear the loss. FX Linked Deposit - High Yield Deposit is designed to be held till maturity, customer does not have the right to early terminate this product. There is no secondary market for the FX Linked Deposit - High Yield Deposit and it is not collateralized. The Bank can early terminate this product.
Currency Exchange
Currency exchange involves bid-ask spread.
Exchange Rate Risk
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. The fluctuations in the exchange rate of a foreign currency may result in losses in the event that you convert HKD to any foreign currency or vice versa.
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. Onshore RMB and offshore RMB are traded in different and separate markets operating under different regulations and independent liquidity pool with different exchange rates. Their exchange rate movements may deviate significantly from each other.
Structured Investment Product
Structured investment products are structured products which involves derivatives and 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 investment products. Customers should recognize that their structured investment products may mature worthless. While the maximum return on a structured investment product is usually limited to a predetermined amount of cash, an investor stands to potentially lose up to the entire investment amount if the underlying asset price moves substantially against the investor’s view.
Securities Trading
It is as likely that losses will be incurred rather than profits made as a result of buying and selling securities.
Securities Margin Trading
If a client maintains a margin account with the Bank, the risk of loss in financing a transaction by deposit of collateral is significant. The client may sustain losses in excess of the client’s cash and any other assets deposited as collateral with the Bank. Market conditions may make it impossible to execute contingent orders, such as “stop-loss” or “stop-limit” orders. The client may be called upon at short notice to make additional margin deposits or interest payment. If the required margin deposits or interest payments are not made within the prescribed time, the client’s securities collateral may be liquidated without the client’s consent. Moreover, the client will remain liable for any resulting deficit in the client’s account and interest charged on the client’s account. The client should therefore carefully consider whether such a financing arrangement is suitable in light of the client’s own financial position and investment objectives.
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.
Disclaimer of Online Investment Trading Services
Disclaimer
China Construction Bank (Asia) Corporation Limited is a licensed bank regulated by the Hong Kong Monetary Authority 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 is intended to be distributed in the Hong Kong Special Administrative Region (“Hong Kong”) for reference 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 investment product in or outside Hong Kong and does not constitute any prediction of likely future movements in prices of any investment products. This promotion material is issued by China Construction Bank (Asia) Corporation Limited, and has not been reviewed by the Securities and Futures Commission or any other regulatory authorities in Hong Kong.
Risk Disclosure for Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect