Structure deposit is a product where the client receives a specified coupon if spot close higher (or lower) the pre-determined rate when maturity or within the pre-determined range during the deposit period. This product is embedded with option and the return of the deposit is normally linked to the performance of the linked index, like FX, interest rate and commodities vice versa. The yield return is calculated base on the value date, principal amount, tenor and the linked index. Normally customer will face higher risk with higher return for investing in the structured deposit.
It is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong.