Structured Investments

Currency Linked SIP - Bullish/Bearish Investment

Currency Linked SIP - Bullish / Bearish Investment is a structured product embedded with currency options.

Currency Linked SIP - Bullish / Bearish Investment ("the Product") is a structured product involving derivatives ("the Product"). The investment decision is yours but you should not invest in the Product unless DBS Bank (Hong Kong) Limited (星展銀行(香港)有限公司) (“the Bank”) who sells the Product to you has explained to you that the Product is suitable for you having regard to your financial situation, investment experience and investment objectives.

The interest received depends on the movement of the linked currency pair. For a bullish investment, appreciation of base currency against quote currency at or about the determination time on the determination date may result in a higher interest rate. For a bearish investment, depreciation of base currency against quote currency at or about the determination time on the determination date may result in a higher interest rate. You will receive your interest and 100% principal amount on the maturity date if there is no Alternate Currency Event Designation by the Bank. If Alternative Currency Event happens or the Bank becomes insolvent or defaults on its obligations, you may not get back anything and suffer a total loss of your principal amount.

Please refer to the product offering documents for detailed product terms, information and risks.


  • Opportunity to receive interest rate higher than normal deposit rate
  • Wide range of choices for the investment currency

How to Apply

Useful Links

Important Notice

DBS Bank (Hong Kong) Limited is not your investment adviser or acting in any fiduciary capacity to you. The above information is not and shall not be considered as investment advice. It does not constitute any offer or solicitation of offer to subscribe, transact or redeem any investment product. Investment involves risk. Past performances are not indicative of future performances. You should not rely on the above information alone to make any investment decision. You should carefully read the product offering documentation, the account terms and conditions and the product terms and conditions for detailed product information and risk factors prior to making any investment. If you have any doubt on this material or any product offering documentation, you should seek independent professional advice.

The Product is unlisted and no early uplift, early withdrawal or early termination by investors is permitted. The investor has to maintain the Product with the Bank up to the Maturity Date. The investment is subject to the credit and insolvency risks of the issuer. Investing in the Product is not the same as investing in its reference assets.

RMB currently may not be freely convertible and is subject to exchange controls and restrictions. There is no guarantee that RMB will not depreciate. If you convert Hong Kong Dollar or any other currency into RMB so as to invest in a RMB product and subsequently convert the RMB sale proceeds back into Hong Kong Dollar or any other currency, you may suffer a loss if RMB depreciates against Hong Kong Dollar or other currency.

You may not receive 100% of the principal amount on the maturity date. In the worst case, you will receive no interest payment and lose your original investment amount. The Product carries risks not normally associated with ordinary bank deposits, and is NOT equivalent to a time deposit. You should therefore not treat the Product as a substitute for ordinary savings or time deposits. The Product is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong.


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