Personal Banking
"New Capital Investment Entrant Scheme" Account Services
Under the "New Capital Investment Entrant Scheme" (the "Scheme") launched by the Government of the Hong Kong Special Administrative Region ("HKSAR") on March 1st, 2024, an eligible applicant must make investment not less than HK$30 million Net (or equivalent in foreign currencies) in "Permissible Investment Assets" to which he/she is absolutely beneficially entitled for residence in Hong Kong. An Entrant and his/her dependents (spouse and unmarried dependent children aged under 18 years) are entitled to apply for permanent resident of Hong Kong after having met the Net Asset Requirement, Investment Requirements and Investment Management Requirements, and maintained continuous ordinary residence in Hong Kong of not less than seven years.
Scope of the Scheme
The Scheme is applicable to:
- Foreign nationals (Nationals of Afghanistan, Cuba and Democratic People's Republic of Korea are excluded);
- Chinese nationals who have obtained permanent resident status in a foreign country;
- Macao Special Administrative Region residents; and
- Chinese residents of Taiwan.
Eligibility Criteria for the Applicant
To satisfy the eligibility criteria under the Scheme, the applicant must:
- Be aged 18 or above at the time of applying for Net Asset Assessment;
- Has Net assets of not less than HK$30 million Net (or equivalent in foreign currencies) to which he/she is absolutely beneficially entitled throughout the six months preceding the date of issuance of the Fulfillment documents for application for Net Asset Assessment of the Scheme;
- Invest not less than HK$30 million (or equivalent in foreign currencies) in "Permissible Investment Assets" during any of the following periods:
- during the entire period from the 180th day before his application is lodged for Net Asset Assessment up to the date of submission; or
- during the entire period from 180th day before his application is lodged for Net Asset Assessment up to 180th day after Approval-in-Principle has been granted by Immigration Department; or
- during the entire period from the day of Approval-in-Principle has been granted by Immigration Department up to 180th day thereafter;
- No adverse immigration record and meets normal immigration and security requirements;
- Capable of supporting and accommodating himself/herself and his/her dependents, if any on his/her own without relying on any return in Hong Kong.
Permissible Investment Asset Classes：
The applicant should invest not less than HK$30 million Net (or equivalent in foreign currencies) in any one or more of the following 「Permissible Investment Assets」：
- CIES Investment Portfolio (required to place HK$3 million)
- Real estate (subject to a cap of HK$10 million)
- Equities listed in HK and traded in HKD or RMB
- Debt securities traded/denominated in HKD or RMB
- Certificates of deposits denominated in HKD or RMB issued by authorized institutions (subject to a cap of HK$3 million）
- Subordinated debt denominated in HKD or RMB issued by authorized institutions
- Eligible collective investment schemes
- Ownership interest in limited partnership funds (LPFs) (the total investment amount of ownership interest in private LPFs and private open-ended fund companies is subject to an aggregate cap of HK$10 million)
For more information on the Scheme, please visit the website of HKSAR Invest Hong Kong and Immigration Department:
Service Scope of NCB's "New Capital Investment Entrant Scheme" Account:
NCB^ provides professional and personalized one-stop New Capital Investment Entrant Scheme account services, with a dedicated Private Banking team and Wealth Management Experts to tailor-made your investment plans to fulfill the requirements of the scheme, as well as a full range of living services and living circle tips enable you to embark on a new chapter in your life with peace of mind and contentment.
Service Scope
Open NCB New Capital Investment Entrant Scheme Account to enjoy NCB Private Banking / NCB Wealth Management Services:
- Dedicated Personal Financial Services Manager assisting you to manage your account
- Tailor-made investment plans both suit your needs and are permissible under the Scheme
- Asset portfolio’s report submitted to the New CIES Office and Immigration Department the specified time frame of the scheme
- 14-day post-transaction monitoring service allows you to trade with peace of mind#
* Applicable for the New Capital Investment Entrant Scheme account service period.
# For the latest requirements of the New Capital Investment Entrant Scheme, please refer to the website of HKSAR Invest Hong Kong’s CIES official webpages https://www.newcies.gov.hk/en/ >Resources> Scheme Rules and Documents > Rules for the New Capital Investment Entrant Scheme.
Should you have any queries on the services or offers, please contact any of our branches or call our Customer Service Hotline at (852) 2616 6628。
Our Branches
- New Capital Investment Entrant Scheme services (the 「Scheme」) of Nanyang Commercial Bank (NCB) are only applicable to personal customers.
- The above offers cannot be used in conjunction with other promotional offers that are not listed in this promotion material.
- The above promotional offers are bound by relevant terms and conditions. For details, please refer to "Conditions for Services" and NCB's relevant provisions, service descriptions, overviews, General Banking Services Charges, brochures relating to products and services or contact NCB staff.
- NCB reserves the right to amend, suspend or terminate the above services, products and offer and to amend the relevant terms at any time at its sole discretion without prior notice.
- In case of any dispute, the decision of NCB shall be final.
- Should there be any discrepancy between the English and Chinese versions of this promotion material, the Chinese version shall prevail.
- For all the latest requirements of the Scheme, please refer to the website of HKSAR Invest Hong Kong and Immigration Department.
- The above relevant information about New Capital Investment Entrant Scheme (the 「Scheme」) is obtained from research, do not represent the opinion of NCB. Latest regulations of the Scheme shall be subject to the latest issued by HKSAR.
- The above content about the Scheme is for reference only and it should not be considered as an offer, recommendation or solicitation to deal in any of the products or services mentioned herein. For enquiries relating to the Scheme, please refer to the website of HKSAR Invest Hong Kong and Immigration Department.
- The above content about the Scheme are subject to be updated at any time due to changes of publishers or resources. If the contents of the above plans are changed or updated, NCB may not give any further notice. NCB does not make any guarantee as to the accuracy, timeliness or completeness of the above information. NCB is shall in no event be liable or responsible for any errors, omissions or inaccuracies in the above Scheme information.
The information contained in this material does not constitute an offer, or any invitation to purchase or sell any investment product or service mentioned above. Although investment may bring about profit opportunities, each type of investment product or service comes with its own risks. Due to the fluctuating nature of the markets, the prices of products may rise or fall beyond customers’ expectations and customers’ investment funds may increase or decrease in value as a result of selling or purchasing investment products. Loss may equal or exceed the amount of the initial investment. Income yields may also fluctuate. Due to market conditions, some investments may not be readily realizable. Before making any investment decision, customers should assess their own financial position, investment objectives and experience, willingness and ability to bear risks and understand the nature and risk of the relevant product. For details of the nature of a particular product and the risk involved, please refer to the relevant offering documents. Customers should seek advice from an independent financial adviser.
The prices of securities may fluctuate, sometimes dramatically. The price of securities may move up or down, and may become valueless. It is likely that losses will be incurred rather than profit made as a result of buying and selling securities.
The prices of debt securities fluctuate, sometimes dramatically. The price of a debt security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling debt securities. The investment decision is yours but you should not invest in this product 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. Investing in bonds involves significant risks. This statement cannot possibly disclose all of the risks associated with bonds that may be relevant to you. Before you make an investment decision, you should read the offering documents in detail, including especially the risk-related sections, and ensure that you fully understand the nature of the bond and all the risks associated with investing in the bond, and are willing to bear such risks. You should carefully consider whether investing in the relevant bonds is suitable for you based on your relevant circumstances. If in doubt, you should seek independent professional advice.
Funds are not equivalent to, nor should it be considered a substitute for, time deposits. While investing can provide opportunities for profit, every investment product or service carries potential risks. Due to the rapid changes in the market, the buying and selling prices and fluctuations of investment products may not be as you expect. Your money may increase or decrease as a result of buying and selling investments. The prices of investment funds may rise, fall, or even become worthless. Therefore, you may not receive any returns from investing in the Funds. Due to market conditions, certain investments may not liquidate immediately. Investment (including RMB investment) involves risks. Please read the relevant fund offering documents carefully to learn more about the funds, including its risk factors. If you are in any doubt about this risk disclosure statement, the funds’ nature and risks involved in entering into transactions, you should seek the advice of an independent financial adviser.
Foreign currency investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currency may result in losses in the event that the customer converts the foreign currency into HKD or other foreign currencies.
RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into HKD or other foreign currencies.
RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.
Before investing in Shanghai or Shenzhen A shares, you should fully understand the relevant details, risks, charges and precautions. For details, please visit the "Important Notice of Trading China A Shares and A Shares Margin Trading via Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect" on the NCB website or inquire NCB staff.