Fubon Currency-Linked Deposit (“CLD”) gives you an opportunity to substantially maximize your interest return by taking advantage of exchange rate movements.

Features of CLD

After opening a CLD account, you may decide your own deposit tenor and linked currency. We will then quote you a conversion rate and an enhanced interest rate against a linked currency of your choice. In your CLD, you may pair HKD or USD with a wide range of currencies with tenors ranging from 1 week to 12 months according to your foreign currency needs and investment strategy.

Upon maturity, you will receive your principal plus interest in either the deposit currency or the linked currency depending on the fixing rate on that day. You will receive your principal plus interest in the linked currency at the conversion rate if the exchange rate of deposit currency against linked currency is stronger than the conversion rate, or else you will receive the full amount of principal and interest in the deposit currency.

Example

The following example illustrates a comparison between a Fubon CLD and an ordinary fixed deposit.

Analysis on Return:

Note: The above example is for illustration only. Return varies depending on the market conditions on the maturity date.

Under the worst case scenario, investors may lose the entire investment amount.

What is the right time to invest?

• when you are willing to hold the deposit currency or the linked currency; or
• when you decide to take advantage of higher interest yield to subsidize currency depreciation; or
• when you have a need in the linked currency, such as for the purposes of immigration and business; or
• when you predict the exchange rate between the deposit currency and the linked currency would be relatively stable.

Comprehensive and professional to suit your needs

• fix your own conversion rate and enjoy the flexibility;
• decide your deposit period as short as one week;
• choose the deposit currency and the linked currency from a wide range of major currencies, such as HKD or USD against AUD, GBP, EUR, JPY, CAD, CHF, NZD and Offshore CNY to serve your investment goal;
• our investment specialists provide you with professional analysis and the most updated market news, maximizing the growth potential of your money.

Act Today!

For details, please visit any Fubon Bank branch or call our Integrated Customer Service Hotline at 2566 8181 (Press 3 after language selection) during office hours*.

*Monday to Friday: 9am to 7pm; Saturday: 9am to 1pm (Except public holidays).

Terms and Conditions

Notice to Customers:

Notice to Customers:

The following risk disclosure statements do not disclose all the risks involved in this product. You should carefully consider whether trading or investment is suitable in light of your financial needs and investment objectives. You should not rely on this information alone to make any investment decision, but should read in detail the relevant product offering documents and risks disclosure statements or seek independent professional advice if in doubt.

 

Fubon Currency-Linked Deposit is a structured product involving derivatives. The investment decision is yours but you should not invest in Fubon Currency-Linked 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.

 

This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.

 

Risk Disclosure Statements:

Risk Disclosure Statements:

Fubon Currency-Linked Deposit is not equivalent to a time deposit, nor should it be treated as a substitute for a time deposit.

 

This product is not principal protected. Investor of this product bears the credit risk of Fubon Bank. The return in Fubon Currency-Linked Deposit depends on the market conditions prevailing on the maturity date. The loss of investing in Fubon Currency-Linked Deposit can be substantial if the linked currency depreciates drastically during the deposit period. Customers should therefore carefully consider whether such an investment is suitable in light of their financial needs and investment objectives as well as the potential risks and benefits of this product, before entering into such transaction. Customers should refer to the relevant offering documents for detailed information prior to any investment decision. If you are in doubt about the contents of the offering documents, you should seek independent legal and financial advice.

 

(If applicable) Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus customers investing in the product are subject to the currency risk of RMB (which is subject to change from time to time).

 

This webpage is issued by Fubon Bank (Hong Kong) Limited and the contents have not been reviewed by any regulatory authority in Hong Kong. The above information is for reference only and does not constitute, nor is it intended to be, nor should it be construed as any advice, offer or solicitation to deal in any of the investment products mentioned herein.

 

Key Risks