We will evaluate the rates daily and implement updates as deemed necessary. You can access the most current rate information on both the website and the app.
In the event that we need to update the rate, we may temporarily deactivate the details page for your unlocked investment on the App. After the rates have been refreshed, you will have the opportunity to review and secure your investment.
Rate adjustments only apply to investments that have not started investing. If your funds are processed during a rate adjustment, your details page will display "Rate on hold." Your funds will remain uninvested until the rate adjustment concludes.
Once the updated rate is active, we will compare it to the rate you initially observed when you created this investment. If the updated rate is lower, your funds won't be automatically invested. You will be notified of the rate decrease and given the choice to lock in at the updated rate, withdraw funds, or reallocate to another portfolio.
If the updated rate is equal to or higher than the rate you initially observed when you created this investment, your funds will be automatically locked in at the updated rate, providing you with improved returns for your investment. This ensures that you consistently benefit from the best and most current rates for your Cash+ Fixed HKD.