HANG SENG REVISES PRIME RATE AND HK DOLLAR SAVINGS

							21 September 2005


                   HANG SENG REVISES
        PRIME RATE AND HK DOLLAR SAVINGS RATES

Hang Seng Bank will raise its prime lending rate to 7% from 6.75% per
annum.

The savings rates for deposits will be adjusted. Details of the revised tiered
savings rates table are as below:

 Account Balance                               Interest Rate

 HK$4,999 or below                             0%

 HK$5,000 – HK$9,999                           0.25%

 HK$10,000 – HK$149,999                        1.5%

 HK$150,000 or above                           1.75%


The above changes will take effect from 22 September 2005.


Note:

The bonus interest rate for integrated accounts with a Total Relationship Balance of
HK$1 million or above is 0.1% per annum.



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