General FAQs

Who is eligible for ‘30-Day Service Pledge’ programme?

All HSBC personal customers who have successfully applied to the eligible products / services under the ‘30-Day Service Pledge’ programme are eligible for the programme. 

Investment

Can I get back the full amount that I have invested?

The fee refund / waiver is limited to the fees as specified in the ‘30-Day Service Pledge’ programme. Please note the fee refund / waiver does not apply to investment losses and customers will still be responsible for any loss as a result of sale of investment or investment-linked products (including without limitation any difference in the buy and sell spread) and any other fees and charges involved.

Insurance

Am I getting the exact amount paid for the premium under the ‘30-Day Service Pledge’ programme?

ll premium paid will be refunded for non Investment-linked insurance plan and regular payment life policies. However, for Investment-linked insurance plan and single payment life policies, refund of premium paid will be subject to any adjustment as a result of any reduction in market value of the investment before policy charges. Accordingly, customers may suffer from an investment loss and receive back less than the premium paid. However, no refund can be made if a claim has already been paid.

Personal loans

If I repay the Personal Instalment Loan within 30 days from loan drawdown, is there any fee or charge that I should pay for?

Early repayment fee of 2% of outstanding principal amount will be waived, but you should pay the daily interest incurred from loan drawdown to the date when the Early Repayment Application Form is received by the Bank.

Mortgage

What mortgage product is eligible under the ‘30-Day Service Pledge’ programme?

HighAdvance Mortgage provided by HSBC.