All you need is a relationship balance of HK$1,000,000 or more to enjoy the many advantages of CITICfirst – our premium wealth management services.

If your average daily relationship balance is lower than HK$1,000,000, a maintenance fee will be charged:

Relationship Balance Maintenance Fee
HK$1 million or above Waived
Below HK$1 million HK$600 per quarter

The calculation of relationship balance is as follows:

  • 100% of deposit balances: HKD/foreign currency savings and time deposits, One Account “Deposit”, HKD current and NOW accounts
  • 100% of investment portfolio balance (but not limited to) : Securities, Investment Funds, Bonds, Structured Notes, Certificates of Deposit, Structured Deposits, Equity-Linked Deposits / Equity-Linked Investments and Currency-Linked Deposits
  • Current outstanding loan amount on lending facilities: personal line of credit, installment loans, credit cards and secured overdraft facilities
  • 10% of the outstanding loan amount on your mortgage

The calculation of the relationship balance includes the balance of customer's sole name accounts and joint-name accounts.