Why not go for a regular saving plan? FYI, if you were investing in HangSeng Index blindly very Jan in the past 10 years (including the big drop in 2008), you would have an annual return rate of 4.28%. So, in my opinion, I would rather investing instead of putting the money into banks for the near zero return.
The key is that you have to control your fear of the market ups & downs.
If you believe in yourself, you can simply buy tracker fund (#2800) to replicate the HSI return. Otherwise, I would suggest any other investment fund saving plans. However, you need to pay attention to the asset allocation strategies. If you are interested to know more, pls contact me for a chat.