HSBC provides comprehensive RMB investment solutions, to help you expand investment portfolio and capture RMB investment opportunities.
Comprehensive RMB Investment Solutions and Services
A wide selection of RMB denominated funds with a minimum subscription amount of RMB10,000 and offer investment diversity with the opportunities to earn dividend.
Mutual Recognition of Funds ("MRF") brings you more fund choices to access the Mainland market, which include a wider variety of different sectors and thematic funds.
Find out more about MRF (6-page PDF 33KB)
Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect allows you to earn potential returns by trading in over 1,000 Shanghai A shares and Shenzhen A shares directly.
Allows you to trade in China, Hong Kong and the U.S. stock markets with one integrated account hassle-free.
Bonds/Certificates of Deposit
Online trading platform provides a choice of up to 7 different RMB Bonds/CDs3, enables you to earn a stable income before maturity, with a minimum investment amount of RMB10,000.
Enjoy waivers on redemption fee at maturity, interest collection fee and safe custody fee.
A wide range of tenors from 1 month to 3 years, with a return rate of up to 4.32%4.
Place RMB Deposit Plus5 through 24-hour online and mobile platforms to capture the opportunities presented by exchange rate fluctuations and enjoy higher potential returns.
Capital Protected Investment Deposits (CPI) – Currency Linked
100% protection of capital6 at maturity and potential periodic coupon payments or higher interest return at maturity according to your bullish or bearish view on RMB.
A range of tenors from 3 months up to 24 months.
In a flat or volatile market, you can capitalise on the prize movement of the reference assets, to enjoy a potential return.
You can choose a range of foreign currencies as your investment, such as RMB, USD, AUD, CAD and more.
Different choices of investment tenors, with up to 190 underlying assets (including some of the eligible Hong Kong stocks under Shenzhen-Hong Kong Stock Connect) that suit your investment view, risk appetite and return requirement.
Flexible tenors from 1 week to 12 months to earn higher interest return.
RMB Switching Services7
Buy or sell RMB automatically when your pre-set target exchange rate and/or frequency criteria (e.g. daily) are met.
Click here (2-page PDF 337KB) for terms and conditions for China A shares offers
Click here (32-page PDF 770KB) for terms and conditions for Shenzhen-Hong Kong/Shanghai-Hong Kong Stock Connect and other risk disclosure
Some of the investment products are structured products which may involve derivatives. The investment decision is yours but you should not invest unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
Bonds/Certificates of Deposit ("CDs")/Unit Trusts("UT")/Deposit Plus(DPS)/Capital Protected Investment Deposit(CPI)/Equity-linked investment (ELI) are not equivalent to time deposits. Unit Trusts are investment products and some may involve derivatives.
Investors should not base on material alone to make investment decision.
Investment involves risk and past performance is not indicative of future performance. Please refer to the offering documents for further details, including fees and charges and risk factors.
In the worst case scenario, the value of the UT may be worth substantially less than the original amount you have invested (and in an extreme case could be worth nothing).
Issuer's Risk – you rely on the issuer's creditworthiness. Bonds/CDs are subject to both the actual and perceived measures of creditworthiness of the issuer. There is no assurance of protection against a default by the issuer in respect of the repayment obligations. In the worst case scenario (eg insolvency of the issuer), you might not be able to recover the principal and interest/coupon, if applicable, and the potential maximum loss could be 100% of invested amount and no interest/coupon received.
Currency conversion risk – the value of your foreign currency and RMB deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency and RMB deposit to other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversion to that foreign currency and RMB, you may suffer loss in principal.
Additional risks are disclosed in the "Risk Disclosure" section. Please refer to "Risk Disclosure" section for details.
Deposit Plus (DPS) and CPI are not equivalent to time deposits. DPS/CPI/ELIs/CDs are not protected deposits, and they are NOT protected by the Deposit Protection Scheme in Hong Kong. DPS is not principal protected.
Bonds and Certificates of Deposit ("CDs") Risk Disclosure
Structured Products Risk Disclosure
Deposit Plus (DPS) Risk Disclosure
Capital Protected Investment Deposit ("CPI") Risk Disclosure
Equity Linked Investments Risk Disclosure
The following risks should be read together with the other risks contained in the "Risk Warnings" section in the relevant offering documents of the ELIs
Unit Trusts ("UT") Risk Disclosure
Risks associated with the MRF arrangement
Mainland China Equity risk
Risk associated with small-capitalisation/mid-capitalisation companies
Risk associated with ChiNext market
Mainland debt securities risks
Risks associated with repurchase and reverse repurchase transactions
Renminbi related products Risk Disclosure
China A Shares Risk DisclosureInvestment in China A Shares through Shanghai-Hong Kong and Shenzhen-Hong Kong Stock Connect involves risks. You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and relevant circumstances. The price of securities may move up or down. Losses may be incurred and profits may be made as a result of buying and selling securities.
* Calculated on an aggregate basis, i.e., across both domestically and overseas issued shares of the PRC listed company, whether the relevant holdings are through Shanghai-Hong Kong and Shenzhen-Hong Kong Stock Connect, QFII/RQFII regime or other investment channels.
The information contained in this material has not been reviewed by the Securities and Futures Commission of Hong Kong or any regulatory authority in Hong Kong.
Investment involves risk. The price of the investment products may move up or down. Losses may be incurred as well as profits made as a result of buying and selling bonds/CDs.
You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and circumstances.
The information in this material does not constitute a solicitation for making any deposit or an offer for the purchase or sale or investment in any products.