Features:

Low Investment amount,
as low as HKD$1,000 each month

No brokerage and subscription fee:
0%^#

Various choices of Fund:
more than 100 hundred

Comparison of Monthly saving Plan
	General UT Saving Plan	New UT Monthly Saving Plan
Minimum (HKD)	1,000	1,000
Subscription Fee	2%	0%
Fund Price of A	10	10
Unit of Fund purchased	1,000*(1-2%)/10 =98 Units	1,000*(1-0%)/10 =100Units

FAQ

How can I start My Unit Trust Regular Savings Plan (UTRSP)?

Login POEMS > Choose "SBP" & "Fund Saving Plan". Click here for more instruction. Or
Fill in physical UTRSP form by downloading the form and handle it through mail, e-mail or fax.

Are there any handling fees for UTRSP subscription?

There are no handling fees imposed by Phillip Securities (HK) Limited#[2] [3].

What is the minimum monthly subscription amount for UTRSP

You can start your Monthly Investment Plan for Funds with monthly investment amount as low as HKD1,000 per fund. If the monthly RSP contribution exceed HK$25,000 or its equivalent in foreign currencies, the excess part of contribution will be charged for subscription fee (calculated at 0.75%).

Am I able to change my UTRSP monthly subscription amount? If yes, are there any charges?

You are able to change your UTRSP subscription amount whenever. And there are no charges.

What will happen to my unit holdings after my UTRSP has been stopped?

Your holdings will remain unchanged. You may retain them as a long-term investment.

How Phillip Securities deduct money monthly for UTRSP Plan?

There are 2 payment methods are available:
1) Debit from your Phillip Securities account;
2) Through Direct Debit Instruction (DDI) which deduct money from your bank account.

Any selection of investment funds is available for UTRSP?

UTRSP fund list can be downloaded from POEMS>SBP>Regular Saving Plan.

#Terms and Conditions:
1. To avail of the 0% subscription fee for the UT RSP, a minimum monthly investment of HKD1,000 per fund is required.
2. If the monthly UT RSP contribution exceeds HKD25,000 (or its equivalent in a foreign currency), the excess will be subject to a subscription fee (calculated at 0.75%).
3. All fees charged by the relevant fund (including switching fees, redemption fees, management fees, and other fees) will continue to apply.
4. All other securities account administrative fees will continue to apply.
5. You must ensure that there are sufficient funds available in the designated securities account to pay the monthly investment contributions. Any shortfall in the account will attract additional interest charges.
6. Due to the Personal Data (Privacy) Ordinance, Phillip Securities (Hong Kong) Limited (the Company) is unable to check the status of Direct Debit Instruction (DDI) approval from your bank. Please submit the Direct Debit Authorization application form (original) to the payment bank. Once you receive the confirmation notice from the bank, please contact the Company to initiate the DDI service for the following. If the DDI is terminated, the Company must receive a written notice of at least five working days before the transfer date.
7. The Company will not issue any notice relating to the success of the Direct Debit service. If the Direct Debit for any relevant month is unsuccessful, the Company shall charge a handling fee of HKD100.
8. If the Company fails to deduct the contributions from the designated securities account on the settlement date for two consecutive periods, the Company has the right to terminate the plan immediately without prior notice.
9. The above plan does not provide redemption services. You may redeem the funds via the POEMS online platform or through contacting your Account Executive.
10. The above products and services are subject to the relevant terms and conditions.
11. The Company reserves the right to change these terms and conditions at any time without notice and the initial promotional offer maybe withdrawn by the Company at its discretion without prior notice.
12. In case of any dispute, the decision of the Company shall be final and conclusive.
13. In case of discrepancies between the English and Chinese versions of these Terms and Conditions, the English version shall apply and prevail.

輝立月供股票計劃

想買一籃子的新股享受新股上升潛力，但同時又想分散風險避免一筆過投資？輝立月供股票計劃現已加入「香港新股指數ETF」以供認購啦！佢包含50隻新股為成份股，幫大家提升投資回報！快快開始認購啦！

輝立月供股票計劃目的是讓投資者養成每月儲蓄的習慣，每月只需港幣1,000元，便可投資於指定的香港上市公司股票，輕易達到閣下的投資理財目標。此計劃最大好處是可利用平均成本法去分散市場波動風險，並不設鎖定期，投資者可隨時更改或終止月供股票計劃，使計劃能夠配合個人投資取向。

特點

佣金特低，可以低至港幣50元投資於多隻股票。
無約束期，靈活變通，可隨時更改或終止投資計劃及沽出投資計劃的股票。
方便快捷，客戶可隨時於網上平台 "POEMS" 更改投資指示。

詳情：

類別	港股月供投資計劃
類別	港股月供投資計劃	每隻股票最低投資金額	港幣1,000元
佣金★	0.25% (以每月投資總額計算最低收取港幣50元)＊
政府印花稅、交易徵費、交易費、中央結算費 ★	請參閱：基本交易費用
股票/ 基金選擇※	恒生指數成份股、恒生中國企業指數成份股及其他適用股票 (請參閱：港股月供投資計劃之適用股票)
買貨日期及時段	每月第三個交易日開市一小時後開始
自動轉帳付款日期	每月最後一個工作天
申請 / 更改◇/ 終止計劃	於買貨前一個工作天16:00前通知我們
申請 / 更改 / 終止方法	1. 透過網上平台
申請 / 更改 / 終止方法	2. 填妥「港股月供投資計劃申請/修訂表格」▲
付款方法	1. 自行存入資金至證券戶口
付款方法	2. 通過銀行進行自動轉賬＃

★收費不計在投資金額內。
＊只適用於電子帳單客戶，非電子帳單客戶最低收費為港幣100元。
※本公司可隨時更改有關月供投資計劃的適用股票及基金產品。
◇需注意自動轉帳限額。
＃因私隱條例關係，輝立証券(香港)有限公司(本公司)無法取得閣下於銀行申請自動轉賬的批核情況。煩請閣下自行將自動轉賬申請表格(正本)交予付款銀行。
閣下於收到銀行之確認通知後，請即聯絡本公司以便開始執行下月之自動轉賬服務。若終止自動轉賬指示，本公司必須在轉賬日最少五個工作天前收到書面通知。
▲請傳真至2287 4554或郵寄至香港金鐘道95號統一中心11樓 (註明：月供計劃﹚

Available Stock List For MIP
Stock Code	Stock Name	Stock Code	Stock Name	Stock Code	Stock Name
1	CKH HOLDINGS	700	TENCENT	1928	SANDS CHINA LTD
2	CLP HOLDINGS	728	CHINA TELECOM	1958	BAIC MOTOR
3	HK & CHINA GAS	753	AIR CHINA	1988	MINSHENG BANK
4	WHARF HOLDINGS	762	CHINA UNICOM	2007	COUNTRY GARDEN
5	HSBC HOLDINGS	775	CKLIFE SCIENCES	2018	AAC TECH
6	POWER ASSETS	778	FORTUNE REIT	2202	CHINA VANKE
11	HANG SENG BANK	788	CHINA TOWER	2318	PING AN
12	HENDERSON LAND	806	VALUE PARTNERS	2319	MENGNIU DAIRY
14	HYSAN DEV	808	PROSPERITY REIT	2328	PICC P&C
16	SHK PPT	816	JINMAO SERVICES	2333	GWMOTOR
17	NEW WORLD DEV	823	LINK REIT	2357	AVICHINA
19	SWIRE PACIFIC A	836	CHINA RES POWER	2382	SUNNY OPTICAL
23	BANK OF E ASIA	857	PETROCHINA	2388	BOC HONG KONG
27	GALAXY ENT	878	SOUNDWILL HOLD	2600	CHALCO
32	CROSS-HAR(HOLD)	880	SJM HOLDINGS	2601	CPIC
62	TRANSPORT INT'L	883	CNOOC	2628	CHINA LIFE
66	MTR CORPORATION	902	HUANENG POWER	2778	CHAMPION REIT
83	SINO LAND	914	CONCH CEMENT	2800	TRACKER FUND
87	SWIRE PACIFIC B	916	CHINA LONGYUAN	2822	CSOP A50 ETF
97	HENDERSON INV	939	CCB	2823	ISHARES A50
101	HANG LUNG PPT	941	CHINA MOBILE	2827	WISE CSI300 ETF
135	KUNLUN ENERGY	945	MANULIFE-S	2828	HSCEI ETF
144	CHINA MER PORT	968	XINYI SOLAR	2835	PHILLIP HKNEWEQ
151	WANT WANT CHINA	992	LENOVO GROUP	2840	SPDR GOLD TRT
152	SHENZHEN INT'L	998	CITIC BANK	2845	GX CN EV BATT
163	EMPEROR INT'L	1038	CKI HOLDINGS	2883	CHINA OILFIELD
168	TSINGTAO BREW	1044	HENGAN INT'L	2888	STANCHART
175	GEELY AUTO	1052	YUEXIUTRANSPORT	2899	ZIJIN MINING
253	SHUNHO HOLDINGS	1088	CHINA SHENHUA	3032	HSTECH ETF
257	EB ENVIRONMENT	1099	SINOPHARM	3033	CSOP HS TECH
267	CITIC	1109	CHINA RES LAND	3038	HS ALOWCARBON
270	GUANGDONG INV	1113	CK ASSET	3067	ISHARESHSTECH
291	CHINA RES BEER	1137	HK TECH VENTURE	3070	PING AN HKDIV
293	CATHAY PAC AIR	1157	ZOOMLION	3088	CAM HS TECH
322	TINGYI	1186	CHINA RAIL CONS	3110	GX HS HIGH DIV
327	PAX GLOBAL	1211	BYD COMPANY	3188	CAM CSI300
336	HUABAO INTL	1260	WONDERFUL SKY	3195	HS S&P500
341	CAFE DE CORAL H	1288	ABC	3323	CNBM
358	JIANGXI COPPER	1299	AIA	3328	BANKCOMM
363	SHANGHAI IND H	1336	NCI	3333	EVERGRANDE
371	BJ ENT WATER	1339	PICC GROUP	3383	AGILE GROUP
384	CHINA GAS HOLD	1359	CHINA CINDA	3399	YUEYUN TRANS
386	SINOPEC CORP	1398	ICBC	3690	MEITUAN-W
388	HKEX	1515	CR MEDICAL	3699	EB GRAND CHINA
390	CHINA RAILWAY	1766	CRRC	3968	CM BANK
405	YUEXIU REIT	1776	GF SEC	3988	BANK OF CHINA
410	SOHO CHINA	1800	CHINA COMM CONS	6030	CITIC SEC
489	DONGFENG GROUP	1813	KWG GROUP	6837	HAITONG SEC
548	SHENZHENEXPRESS	1816	CGN POWER	6886	HTSC
598	SINOTRANS	1880	CTG DUTY-FREE	9988	BABA-W
688	CHINA OVERSEAS	1881	REGAL REIT

條款及細則：

1.其他服務將跟隨證券戶口的收費。(詳情)
2.閣下須確保指定證券戶口內有足夠的可動用資金支付每月投資供款總額，否則閣下須承擔利息等財務費用。
3.本公司不會發出任何執行自動轉賬服務之通知。若該月自動轉賬未能成功，本公司有權收取手續費港幣100元。
4.如於交收日本公司連續兩期均未能成功從客戶的證券戶口扣除供款，本公司有權即時終止有關計劃而不作事前通知。
5.當香港交易所宣佈半日/全日休市，買貨日期將順延一天，而不作任何通知。
6.月供股票適用-若所選的股票於買貨當日指定時段內在香港交易所停牌/沒有流動性，相關股票於當日的買貨指示將會被取消，而不作任何通知。
7.以上計劃並不提供沽貨服務，閣下可隨時透過網上平台POEMS或經紀沽出股票。
8.上述產品及服務受有關條款及細則約束。
9.本公司保留隨時修訂、暫停及取消上述產品及服務；及修訂有關條款及細則的酌情權而不作任何通知。
10.如有任何爭議，本公司將保留最終決定權。

Schedule - Monthly Investment Plan For Local Stock

Change / Termination Plan Deadline (Only applicable for Autopay)	Autopay Date	Change / Termination Plan Deadline	Purchase Date
18-Dec-2024	31-Dec-2024	2-Jan-2025	6-Jan-2025
17-Jan-2025	28-Jan-2025	3-Feb-2025	5-Feb-2025
19-Feb-2025	28-Feb-2025	3-Mar-2025	5-Mar-2025
20-Mar-2025	31-Mar-2025	1-Apr-2025	3-Apr-2025
17-Apr-2025	30-Apr-2025	2-May-2025	7-May-2025
21-May-2025	30-May-2025	2-Jun-2025	4-Jun-2025
19-Jun-2025	30-Jun-2025	2-Jul-2025	4-Jul-2025
22-Jul-2025	31-Jul-2025	1-Aug-2025	5-Aug-2025
20-Aug-2025	29-Aug-2025	1-Sep-2025	3-Sep-2025
19-Sep-2025	30-Sep-2025	2-Oct-2025	6-Oct-2025
21-Oct-2025	31-Oct-2025	3-Nov-2025	5-Nov-2025
19-Nov-2025	28-Nov-2025	1-Dec-2025	3-Dec-2025
18-Dec-2025	31-Dec-2025	2-Jan-2026	6-Jan-2026
21-Jan-2026	30-Jan-2026	2-Feb-2026	4-Feb-2026

Schedule - Monthly Investment Plan For Fund

Change / Termination Plan Deadline (Only applicable for Autopay)	Autopay	Change / Termination Plan Deadline	Purchase Date
30-Dec-2024	8-Jan-2025	31-Dec-2024	10-Jan-2025
27-Jan-2025	7-Feb-2025	28-Jan-2025	11-Feb-2025
27-Feb-2025	7-Mar-2025	28-Feb-2025	11-Mar-2025
28-Mar-2025	8-Apr-2025	31-Mar-2025	10-Apr-2025
29-Apr-2025	30-Apr-2025	9-May-2025	13-May-2025
29-May-2025	6-Jun-2025	30-May-2025	10-Jun-2025
27-Jun-2025	8-Jul-2025	30-Jun-2025	10-Jul-2025
30-Jul-2025	7-Aug-2025	31-Jul-2025	11-Aug-2025
28-Aug-2025	5-Sep-2025	29-Aug-2025	9-Sep-2025
29-Sep-2025	9-Oct-2025	30-Sep-2025	13-Oct-2025
30-Oct-2025	7-Nov-2025	31-Oct-2025	11-Nov-2025
27-Nov-2025	5-Dec-2025	28-Nov-2025	9-Dec-2025
30-Dec-2025	8-Jan-2026	31-Dec-2025	12-Jan-2026
29-Jan-2026	6-Feb-2026	30-Jan-2026	10-Feb-2026

UT RSP Online System Manual

Step 1: Login POEMS > Choose “SBP“ & “Fund Saving Plan”

Step 2: Click “Apply new order”

Step 3: Choose “Fund House”, “Fund Name”, “Debit A/C” and “Investment Amount” > Click “Add to apply list” to add the instruction to “Investment Instruction” column

Step 4: Choose payment method and click “Submit"

Step 5: Read Terms and Conditions carefully

Step 6: Put a tick in the corresponding box, then input the password and click “Confirm”

Step 7: The application will be processed after 2:00 p.m. every workday, you may check or cancel the application before 2:00p.m. on “Your RSP Applications (Pending for processing)” column.

Step 8: The processed application will be shown on “Your RSP Applications (Existing plans)” column.

Risk Disclosure Statements:

The information contained in this website is for general information purposes only. It does not constitute professional legal or financial advice, nor should it be construed as a recommendation, invitation, advertisement, or guidance for the purchase, sale or investment of any product.

Investors should refer to the respective fund's offering documents and read carefully the summary of the key features and risks specific to this fund stated in the fund factsheet prepared by the relevant fund house, before making any investment decision. While Phillip Securities Group (“the Group”) endeavours to keep the information up to date and correct, the Group makes no representations or warranties of any kind, express or implied, about the accuracy or completeness with respect to the information. The Client shall not make any decision based on information provided on this webpage. The Group disclaims all responsibility for any loss or loss caused by the information on this website.

If you do not understand the contents of this risk disclosure statement or do not have sufficient knowledge of the respective fund, please contact us and find out more. If you want to make any investment, you should also seek independent professional advice.

Investing in funds involve a variety of risks, including market, exchange rate, volatility, liquidity, credit/counterparty, rating decline, regulation and politics, etc. Fund prices can go up and down, be volatile, and even become worthless and suffer losses. Before making any fund investment decision, investors should read the terms and conditions in the offering documents of the respective fund to see if the risks, characteristics and restrictions of the fund is suitable for their personal financial position, investment objectives, and risks.

Features:

Comparison of Monthly saving Plan

General UT Saving Plan

New UT Monthly Saving Plan

Minimum (HKD)

Subscription Fee

Fund Price of A

Unit of Fund purchased

FAQ