1. are u sure term deposit provides 3% interest for now? interest rate got reduced 2 times this month. better check with the bank
2. suggest to transfer your money through any HK banks to big 6 banks. This you can have more protection. What i did before is to bring money to china and open an account in China. When the term desposit matures, I got so many troubles to get the money back. example, cannot give instruction to take back money before the date of mature. banks in China can have the right not to give you money right away. ( need to wait)
3. suggest not to use 基金形式 as term deposit when you put your money in China. I studied carefully before regarding their fund. It has no protection at all... In China, there's no rule, each bank says different thing. got to be careful
4.加按層樓 is a risk.... If I were you, i won't use the money to buy any fund, plan etc 理財産品
In China, there's no rule, each bank says different thing. got to be careful 
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