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Regular Investment Plan

What is Regular Investment Plan?

You can choose from a list of funds and make as low as HK$1,000 monthly contribution. In a long run, it reduces the impact of market fluctuation which may help you to attain your financial objectives with ease.

Why invest in Regular Investment Plan?

  • "Dollar-cost-averaging": When the market goes down, you buy more units; and when the market goes up, you buy fewer units. Over time, you may enjoy a lower average cost per unit. It reduces the impact of market fluctuation, which saves your time to time the markets.
  • Easy to start: The monthly contribution is as low as HK$1,000.
  • Flexible plan: To meet your personal financial needs, you can design and adjust your own investment amount and investment period, and redeem part of or full investment amount without extra charges.
  • Simple application process: A fixed monthly payment date allows you to simply set up a direct debit authorization for automatic settlement, that saves your management time.
  • Wide range of selection: We provide selected funds from reputable fund houses to suit your investment needs.

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Example of "Dollar-cost-averaging"

Dollar Cost Averaging

"Dollar-cost-averaging" is operated by putting fixed contribution into your investment regularly. When the market goes down, you buy more units; and when the market goes up, you buy fewer units. For a long time, the unit price that you bought would be lower than the average market unit price.



Monthly Contribution Amount

Unit Price

No. Of Units Purchased





















Average Cost per Unit: $99.8
Average Market Unit Price: $100

In the above example, average cost per unit is $0.2 lower than the average market unit price after 5-months fixed contributions. The average fund price would be more steady and cost effective once you enjoy "Dollar-Cost-Averaging" effect, which increase your potential of return.

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For enquiries, please visit any of our branches or dial our Customer Service Hotline at 223 95559.


Important Notes

The Bank distributes the fund product for the fund houses and the fund product is a product of the fund houses but not that of 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) 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 fund product should be resolved directly between the fund house and the customer.


Risk Disclosure Statement

This is an investment product and some Investment Fund may involve derivatives or invest in emerging markets. Investment product is not equivalent to, nor should it be treated as a substitute for, time deposit. Investment involves risks. The prices of investment product fluctuate, sometimes dramatically. The price of an investment product may move up or down, and may become valueless. The investment decision is yours but you should not invest in the "Investment Fund" 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 read the relevant fund's offering documents in detail, including the full text of the risk factors stated therein, before making any investment decision.

The above information is for reference only and does not constitute any investment solicitation, offer, invitation or advice to subscribe any investment product. This webpage has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.

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