Fixed Rate Currency-Linked Structured Investment Product ("the Product") is a structured product involving derivatives. 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.

In life, peace of mind comes from knowing exactly what to expect. It is the same when making fixed-term investments. The DBS Fixed Rate Currency-Linked Structured Investment Product lets you increase your holdings over a set time period by offering a fixed interest rate. So as long as you retain your investment until the maturity date, you can look forward what you have planned for.


  • Get peace of mind knowing your wealth is growing with a fixed interest amount payable upon the maturity date
  • Find an investment threshold that suits your circumstances with a minimum principal amount as low as HK$100,000
  • Choose from a wide selection of investment currencies
  • Seize the moment with flexible investment tenors lasting up to 12 months

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

To understand more, please contact your DBS Treasures Relationship Manager or visit any of our branches.


Risk Disclosures and Important Notice

Investment involves risks. It does not constitute any offer or solicitation of offer to subscribe, transact or redeem any investment product. Past performances are not indicative of future performances. 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.

Foreign exchange involves risks. Customers should note that foreign exchange may incur loss due to the fluctuation of exchange rate.

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.

The Product is not principal protected, customer could lose the entire principal amount in the worst case scenario. 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.