Certificates of deposits - denominated in hong kong dollars issued by authorized institutions as defined in the banking ordinance with a remaining term to maturity of not less than twelve months at the time of purchase such purchase should take place after approval in principle has been given by the immigration department for the entrant to join the scheme and that such instruments , on reaching maturity , should be replaced by certificates of deposits with a remaining term to maturity of not less than twelve months or by assets in other permissible investment asset classes 存款证由《银行业条例》订明的认可机构发行的港元存款证。存款证在购买时须距离到期日不少于1 2个月(购买日期须在入境处原则上批准投资者参与计划之后。这类票据到期时，应换成距离到期日不少于1 2个月的存款证或其他获许投资资产类别的资产) 。
