Qualified mainland investors must meet the following requirements:

1. Possess full capacity for civil conduct;
2. Hold household registration in one of the 9 Mainland cities in the Guangdong-Hong Kong-Macao Greater Bay Area, or have continuously paid social insurance/personal income tax in these 9 cities for at least 2 years;
3. Have more than 2 years of investment experience and meet any one of the following financial criteria: The monthly-end balance of the household's financial net assets in the past 3 months is ≥ CNY 1 million; The monthly-end balance of the household's financial assets in the past 3 months is ≥ CNY 2 million; The average annual personal income in the past 3 years is ≥ CNY 400,000;
4. Investment account can only be opened in an individual name (joint accounts, corporate accounts, or third-party operated accounts are not accepted);
5. Not classified as a vulnerable customer (as assessed by Hong Kong banks);
6. Industrial Bank (the Mainland partner bank) has verified that the source of funds is self-owned
7. The customer has not opened a Southbound Scheme investment account with our bank.
8. For existing bank customers, the account status must be deemed normal by our bank and must have passed internal review. 
9. Have not opened any other active Southbound Scheme investment account at any other eligible bank in Hong Kong.