Currency Linked Deposits

A Currency Linked Deposit (CLD) combines the features of traditional time deposits and currency options. In addition to the interest of a traditional deposit, it pays added interest derived from the option premium, offering you a chance to gain potential returns by taking advantage of foreign exchange movements.

Key Features

  • Extra Interest Return
    By making use of foreign exchange movements, you can earn substantially higher returns than you would with a traditional time deposit based on the pre-determined premium interest rate.
  • A Wide Selection of Currencies
    We offer 10 currency choices – HKD, USD, AUD, CAD, CHF, EUR, GBP, JPY, NZD and RMB – allowing you a wide range of combinations.
  • Low Minimum Deposit Requirement
    Only US$5,000 (or equivalent) is needed to set up a CLD. Simply choose a conversion rate between the two selected currencies ("Conversion Rate") that suits your investment objectives and risk tolerance.
  • Flexible Deposit Tenors
    You can choose different deposit tenors ranging from 1 week to 6 months, giving you higher flexibility in reaching investment goals and pursuing prosperity.


Act now

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Risk Disclosure Statement

The above information is for reference only and does not constitute any offer or solicitation to subscribe or redeem. The price of investment products can go up or down. Investment involves risk. Any past performance figures shown are not indicative of future performance. Investors should refer to relevant investment product offering documents for detailed information, as well as Risk Disclosures, prior to any investment product subscription. If investors have any doubt about this material or any relevant offering document, they should seek independent professional advice.

Important Notes

  • This webpage has not been reviewed by the Securities and Futures Commission or any other regulatory authorities in Hong Kong.
  • This product is a structured investment product, and is NOT protected by the Deposit Protection Scheme in Hong Kong.
  • CLD is a structured investment product that involves derivatives. The decision to invest is yours but you should not invest in this product unless the intermediary selling it has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
  • The Bank classifies investment products into 5 levels, from the most conservative at "Low" to the most aggressive at "High". It consolidates an array of quantitative-measured market and non-market risk factors as well as a number of qualitative factors. The quantitatively-measured factors include currency risk, interest rate risk, equity price risk/commodity price risk/interest rate price risk and fund price risk whenever applicable, as well as credit risk, complexity risk, liquidity risk, and non-quantifiable risks including reputation risk, legal risk, and strategic risk. Qualitative factors include industry risks, economic and political environments, regulatory restrictions or expected developments, industry practices, and the Bank’s own experience. Each of these factors may have a direct or indirect impact on a product’s risk profile and its ultimate risk score. The ultimate risk rating is based on risk rating scale calculation as well as the Bank’s professional judgement. The risk rating will be subjected to periodic review as well as ad-hoc basis review in case of material events triggering to ensure its appropriateness and effectiveness to demonstrate the risk level of the product.
  • You should be aware that CLD is affected by exchange rate fluctuations, which may cause a loss of principal.
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