Hong Kong Deposit Protection Board / SAVE WITH CONFIDENCE Thu, 30 Jul 2026 09:16:27 +0000 en hourly 1 https://wordpress.org/?v=7.0.2 /wp-content/uploads/2026/04/cropped-site-icon-150x150.png Hong Kong Deposit Protection Board / 32 32 RSS /rss-feeds/ Fri, 26 Jun 2026 16:02:53 +0000 /?page_id=6352 Subscribe to the following RSS feeds by clicking the links below for the latest information available from the Hong Kong Deposit Protection Board. Information centre Rules, guidelines and circulars List of Scheme members List of exempted banks All of the above

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Subscribe to the following RSS feeds by clicking the links below for the latest information available from the Hong Kong Deposit Protection Board.

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]]> Search Results /search/ Wed, 24 Jun 2026 00:35:36 +0000 /?page_id=6088 Search Submit To search beyond HKDPB, please click here to search all government websites.

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To search beyond HKDPB, please click here to search all government websites.

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]]> Accessibility /accessibility/ Mon, 18 May 2026 03:37:26 +0000 /?page_id=4229 Should you have any enquiries or comments on its accessibility, please contact us by phone or e-mail. Telephone: (852) 1831 831E-mail: dps_enquiry@dps.org.hk

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Should you have any enquiries or comments on its accessibility, please contact us by phone or e-mail.

Telephone: (852) 1831 831
E-mail: dps_enquiry@dps.org.hk

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]]> Sitemap /sitemap/ Mon, 18 May 2026 03:23:32 +0000 /?page_id=4217 The post Sitemap appeared first on Hong Kong Deposit Protection Board.

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]]> Copyright and Disclaimer /copyright-and-disclaimer/ Mon, 18 May 2026 03:12:49 +0000 /?page_id=4208 Copyright Unless otherwise stated, the copyright and any other rights in respect of the content of all pages on this website, including all texts and images, are owned by the HKDPB. You may browse, display, download or print materials out of and create links to this website for non-commercial purposes only, provided that proper attribution […]

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Copyright

Unless otherwise stated, the copyright and any other rights in respect of the content of all pages on this website, including all texts and images, are owned by the HKDPB.

You may browse, display, download or print materials out of and create links to this website for non-commercial purposes only, provided that proper attribution is given to the HKDPB and the materials are without any modification, amendments, changes or distortion. Any other reproduction, adaptation, distribution, dissemination or making available of the information available within this website for commercial purpose is strictly prohibited unless prior written authorisation is obtained from the HKDPB.

Disclaimer

The information provided on this website is for reference only. Although extreme care has been taken to ensure that the information provided on this website is accurate and up-to-date, the HKDPB does not warrant that all, or any part of, the information provided is accurate in all respects. You are encouraged to conduct your own enquiries to verify any particular piece of information provided on this website. Any information relating to the HKDPB’s interpretation of the law including the Deposit Protection Scheme Ordinance (Cap. 581) is provided for general information only and does not purport to give professional advice. For any legal enquiries, you should seek independent legal advice. The HKDPB shall not be liable for any loss or damage suffered as a result of any use or reliance on any of the information provided on its website.

This website contains hyperlinks to websites provided by other organisations. The hyperlinks are provided for your convenience only. The HKDPB does not provide any endorsement, approval, warranty (express or implied) or recommendation, or take any responsibility for the content or any other aspects of those sites, and shall not be liable for any damages or loss arising from access to those websites.

While we endeavour to update this website from time to time and to ensure its accuracy, the HKDPB does not guarantee the timeliness, accuracy or completeness of the contents of this website.

The HKDPB is not responsible for any damages or losses suffered by you due to any content in any pages of this website, arising whether in contract (including under any indemnity), tort (including negligence), warranty, strict liability or any other legal theory.

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]]> Related links /related-links/ Mon, 18 May 2026 03:07:13 +0000 /?page_id=4199 Hong Kong Monetary Authority (HKMA)www.hkma.gov.hk Deposit Protection Appeals Tribunal (DPAT)www.fstb.gov.hk/fsb/en/topical/dpat.html The Hong Kong Association of Banks (HKAB)www.hkab.org.hk Securities and Futures Commission (SFC)www.sfc.hk The Investor Compensation Company Limitedwww.hkicc.org.hk International Association of Deposit Insurers (IADI)www.iadi.org

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Hong Kong Monetary Authority (HKMA)
www.hkma.gov.hk

Deposit Protection Appeals Tribunal (DPAT)
www.fstb.gov.hk/fsb/en/topical/dpat.html

The Hong Kong Association of Banks (HKAB)
www.hkab.org.hk

Securities and Futures Commission (SFC)
www.sfc.hk

The Investor Compensation Company Limited
www.hkicc.org.hk

International Association of Deposit Insurers (IADI)
www.iadi.org

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]]> Tender Notices /tender-notices/ Mon, 18 May 2026 02:40:21 +0000 /?page_id=4190 There are no public tenders being conducted at the moment.

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There are no public tenders being conducted at the moment.

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]]> List of failed Scheme members /list-of-failed-scheme-members/ Thu, 07 May 2026 04:48:49 +0000 /?page_id=4076 PAYOUT REHEARSAL DISCLAIMER: All information on this page is fictitious.  It is part of a rehearsal exercise aimed at ensuring an efficient response to the triggering of compensation under the Deposit Protection Scheme. The inclusion of simulated events in this exercise does not imply any likelihood of their occurrence.  Compensation arrangements List of failed Scheme […]

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PAYOUT REHEARSAL

DISCLAIMER:

All information on this page is fictitious.  It is part of a rehearsal exercise aimed at ensuring an efficient response to the triggering of compensation under the Deposit Protection Scheme. The inclusion of simulated events in this exercise does not imply any likelihood of their occurrence. 

Compensation arrangements

List of failed Scheme members

Scheme member name
Triggering date of Deposit Protection Scheme
Bank ABC
1 May 2026

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]]> Enhanced deposit protection in the event of a merger or acquisition involving Scheme members /for-depositors/mergers_a/ Mon, 27 Apr 2026 08:53:52 +0000 /?page_id=3859 The DPS Ordinance has provided that, if there is a bank merger or acquisition involving a transfer of protected deposits among two or more Scheme members, and you have pre-existing protected deposits with two or more of the relevant Scheme members immediately before the date of merger or acquisition, then you will have an additional […]

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The DPS Ordinance has provided that, if there is a bank merger or acquisition involving a transfer of protected deposits among two or more Scheme members, and you have pre-existing protected deposits with two or more of the relevant Scheme members immediately before the date of merger or acquisition, then you will have an additional coverage for your protected deposits transferred from each of the original Scheme member(s) up to the standard protection limit, on top of the standard protection limit available at the resulting Scheme member. Such enhanced deposit protection will last for six months generally (longer if a time deposit is involved and its original maturity date falls after the expiry of the six-month period). The maximum amount of protection will revert to the standard protection limit after the expiry of the enhanced protection period.1

Please refer to Frequently Asked Questions – Enhanced deposit protection in the event of a merger or acquisition involving Scheme members for more information.

Determination of compensation if the resulting Scheme member failed after a merger or acquisition

The following examples show how compensation under the Scheme is calculated for persons having protected deposits with relevant Scheme members immediately before a merger or acquisition.

Example 1: Depositors having savings deposits with two or more relevant Scheme members immediately before a merger or acquisition

Assume Bank A merges with Bank B and all deposits are transferred from Bank A to Bank B on 1 January 2025 (i.e. effective date of merger).

(a) If a depositor had HK$300,000 at Bank A and HK$500,000 at Bank B immediately before the effective date of merger, the depositor will be entitled to a maximum compensation of HK$1.1 million (i.e. HK$300,000 + HK$800,000) at the resulting Bank B during the six-month period.

(b) If another depositor had HK$900,000 at Bank A and HK$800,000 at Bank B immediately before the effective date of merger, the depositor will be entitled to a maximum compensation of HK$1.6 million (i.e. HK$800,000 + HK$800,000) at the resulting Bank B during the six-month period.

Example 2: Depositors having both savings and time deposits with two or more relevant Scheme members immediately before a merger or acquisition

Assume Bank A merges with Bank B and all deposits are transferred from Bank A to Bank B on 1 January 2025 (i.e. effective date of merger).

If a depositor had a deposit portfolio at Bank A immediately before the effective date of merger, containing a savings deposit and two time deposits with original maturity dates beyond six months after the effective date of merger, the enhanced deposit protection period will be extended.

During the six-month period (i.e. January to June 2025), the enhanced deposit protection limit will be HK$1.6 million as the depositor will have an additional coverage for all his / her protected deposits transferred from Bank A to Bank B (up to the standard protection limit) plus the standard protection limit originally available at Bank B (i.e. HK$800,000 + HK$800,000).

After the expiry of the six-month period, the additional coverage will only be available to those transferred time deposits with original maturity dates beyond the six-month period. Therefore, from July to September 2025, the deposit protection limit will be HK$1.5 million (i.e. HK$700,000 + HK$800,000). During October 2025, the deposit protection limit will be reduced to HK$1.2 million (i.e. HK$400,000 + HK$800,000). From November 2025 onwards, the protection available for the depositor at the resulting Bank B will revert to the standard protection limit.

1 Separately, pursuant to the Financial Institutions (Resolution) Ordinance, in the event of a transfer of protected deposits from a failing Scheme member (transferor) to a viable existing one (transferee) as part of the exercise of resolution transfer powers, and you have pre-existing protected deposits with the transferor immediately before the transfer date that have been included in the transfer, you will have an additional coverage for your protected deposits transferred from the transferor, up to the standard protection limit for a limited period of time, in addition to the standard protection limit available at the transferee, even if you were not a depositor of the transferee before. The maximum amount of protection will revert to the standard protection limit after the expiry of the enhanced protection period.

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]]> Second Phase Review of the DPS and Consultation /information-centre/consultation-papers/second-phase-review-of-the-dps-and-consultation/ Sat, 25 Apr 2026 07:19:52 +0000 /?page_id=3802 Strengthening the Operation of the Deposit Protection Scheme On 18 August 2009, the Hong Kong Deposit Protection Board published the report on the public consultation of the first phase review on enhancing deposit protection under the Deposit Protection Scheme together with the consultation paper of the second phase review on strengthening the operation of the […]

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Cover of the Consultation Paper

Strengthening the Operation of the Deposit Protection Scheme

On 18 August 2009, the Hong Kong Deposit Protection Board published the report on the public consultation of the first phase review on enhancing deposit protection under the Deposit Protection Scheme together with the consultation paper of the second phase review on strengthening the operation of the Scheme. The consultation on the second phase review covers mainly technical amendments for improving payout efficiency and transparency of the coverage of the DPS.

Related documents (18 August 2009)

Press release
Report on the first phase public consultation on enhancing deposit protection under the Deposit Protection Scheme
Questions and answers
Second phase public consultation paper on strengthening the operation of the Deposit Protection Scheme
Questions and answers

The public consultation on strengthening the operation of the Deposit Protection Scheme ended on 17 October 2009.

Report on the consultation results (30 November 2009)

The report on the public consultation on the second phase of the review of DPS on strengthening the operation of the Deposit Protection Scheme was published on 30 November 2009.

Press release
Report on the public consultation on the second phase of the review of DPS
Questions and answers

Reference material (1 December 2009)

Raymond Li, CEO, on completion of the review of the Deposit Protection Scheme (Published by the Hong Kong Monetary Authority inSight Column)

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