Structured products

No matter what the market sentiments are, you can still capture the investment opportunities timely based on your view on the market outlook.

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 Deposit Plus3

  • Take advantage of exchange rate fluctuations to enhance yield with a minimum deposit amount of HKD50,000.

  • Offer up to 11 currency options including the Renminbi4.

  • 24-hour online and mobile platforms provide real-time quote and flexibility to fix deposit period, exchange rate and Deposit Plus interest rate anytime.

Snapshot of Deposit Plus interest rates of the week. For details, please call 2233 3733 or visit any HSBC branch in Hong Kong.

Capital Protected Investment Deposits (CPI) – Currency Linked

  • 100% protection of capital5 at maturity and a potential periodic coupon payments or higher interest return at maturity according to your bullish or bearish view on the selected currency.

  • Flexible deposit tenors as short as 3 months, with a minimum deposit amount of HKD50,000.

  • Order placement via our 24-hour online platform6 anytime, anywhere.

  • You can also customise your own CPI products with your desired underlying and structure. For more details, please visit our branch or contact your HSBC Premier Relationship Manager.

Snapshot of Capital Protected Investment Deposit – Currency Linked III interest rates of the week. For details, please call 2233 3733 or visit any HSBC branch in Hong Kong.

      The above interest rates are indicative only and are the potential maximum interest rates. The interest rate will only be applied if the Deposit Currency moves along with the customer's bearish/bullish view. They are not guaranteed and are subject to revision as per prevailing market conditions.

Equity Linked Investments

ELI Online Trading Platform

  • Log in and place an ELI order in 3 steps.

  • Receive an SMS alert after order execution (For customers who have registered to e-Alert service. SMS alert time may vary).

  • Purchase ELI anywhere within trading hours.

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Remarks:

  1. The above interest rates are indicative only. They are not guaranteed and are subject to revision as per prevailing market conditions.
  2. Currency pairs in this table are ranked in descending order according to transaction volume as recorded by HSBC in Hong Kong during the specified period.
  3. Customers can trade Deposit Plus from Monday 6 am to Saturday 5 am except for system maintenance periods from 9-9.30 pm and 5.20-5.35 am Monday to Friday and public holidays in Hong Kong. Investment in Deposit Plus may suffer loss if the deposit is converted to the linked currency.
  4. Available currency options for Deposit Plus include Hong Kong Dollar, US Dollar, Renminbi, Australian Dollar, Canadian Dollar, Euro, Pound Sterling, New Zealand Dollar, Japanese Yen, Swiss Franc or Singapore Dollar.
  5. This product is designed to return your original capital at maturity, however, if the Bank becomes insolvent or default on its obligations under this product, you could suffer a total loss of your deposit amount, please refer to "Credit risk of the Bank" in the offering document of Capital Protected Investment Deposit for details.
  6. Online CPI trading is applicable to HSBC Premier customers only. The service is currently unavailable on HSBC Mobile Banking.

Important Risk Warning

  • These 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.
  • Investors should not make investment decision based on this marketing material alone.
  • 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.
  • The price of structured products may move up or down. Losses may be incurred as well as profits made as a result of buying and selling structured products.
  • Deposit Plus (DPS)/ Capital Protected Investment Deposit (CPI)/ Equity Linked Investments (ELI) are not equivalent to time deposits. DPS/CPI/ELI are not protected deposits, and they are NOT protected by the Deposit Protection Scheme in Hong Kong. DPS/ELI are not principal protected.

Additional risks are disclosed in the "Risk Disclosure" section. Please refer to "Risk Disclosure" section for details. 

Risk Disclosure

DPS Risk Disclosure

  • Not a time deposit – DPS is NOT equivalent to, nor should it be treated as a substitute for, time deposit. It is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong.
  • Derivatives risk - DPS is embedded with FX option(s). Option transactions involve risks, especially when selling an option. Although the premium received from selling an option is fixed, you may sustain a loss well in excess of such premium amount, and your loss could be substantial.
  • Limited potential gain - The maximum potential gain is limited to the interest on the deposit.
  • Maximum potential loss - DPS is not principal protected. You must be prepared to incur loss as a result of depreciation in the value of the currency paid (if the deposit is converted to the linked currency at maturity). Such loss may offset the interest earned on the deposit and may even result in losses in the principal amount of the deposit.
  • Not the same as buying the linked currency - Investing in DPS is not the same as buying the linked currency directly.
  • Market risk - The net return of DPS will depend upon the exchange rate of the deposit currency against the linked currency prevailing at the deposit fixing time on the deposit fixing date. Movements in exchange rates can be unpredictable, sudden and drastic, and affected by complex political and economic factors.
  • Liquidity risk - DPS is designed to be held until maturity. You do not have a right to request early termination of this product before maturity. Under special circumstances, the Bank has the right to accept your early redemption request at its sole discretion and on a case by case basis. The Bank will provide an indication of the redemption price upon such request. Your return upon such early redemption will likely be lower than that if the deposit were held until maturity and may be negative.
  • Credit risk of the Bank - DPS is not secured by any collateral. When you invest in this product, you will be relying on the Bank's creditworthiness. If the Bank becomes insolvent or defaults on its obligations under this product, you can only claim as an unsecured creditor of the Bank. In the worst case, you could suffer a total loss of your deposit amount.
  • Currency risk - If the deposit currency and/or linked currency is not your home currency, and you choose to convert it back to your home currency upon maturity, you may make a gain or loss due to exchange rate fluctuations.
  • Risks relating to RMB - You should note that the value of RMB against other foreign currencies fluctuates and will be affected by, amongst other things, the PRC government's control (for example, the PRC government regulates conversion between RMB and foreign currencies), which may adversely affect your return under this product. The value of your investment will be subject to the risk of exchange rate fluctuation. In case you receive RMB as Linked Currency at maturity and you choose to convert your maturity proceed to other currencies, you may suffer loss in principal. This product will be denominated (if Deposit Currency being RMB) and settled (when receive RMB at maturity) in RMB deliverable in Hong Kong, which is different from that of RMB deliverable in Mainland China.

 CPI Risk Disclosure

  • Not a time deposit - CPI is NOT equivalent to, nor should it be treated as a substitute for, time deposit. It is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong.
  • Derivatives risk - CPI is embedded with FX option(s). Option transactions involve risks. If the exchange rate of the currency pair performs against expectation at the fixing time on the fixing date, you can only earn the minimum payout of the structure.
  • Limited potential gain - The maximum potential gain is limited to higher payout on the deposit less the principal amount, when exchange rate of currency pair at fixing moves in line with your anticipated direction.
  • Not the same as buying the linked currency - Investing in CPI is not the same as buying the linked currency directly.
  • Market risk - The return of CPI will depend upon the exchange rates of currency pair against trigger rate at the fixing time on the fixing date. Movements in exchange rates can be unpredictable, sudden and drastic, and affected by complex political and economic factors. You must be prepared to take the risk of earning the lower payout/no return (if exchange rate performs against expectation) on the money invested.
  • Liquidity risk - CPI is designed to be held until maturity. You do not have a right to request early termination of this product before maturity. Under special circumstances, the Bank has the right to accept your early redemption request at its sole discretion and on a case by case basis. The Bank will provide an indication of the redemption price upon such request. Your return upon such early redemption will likely be lower than that if the deposit were held until maturity and may be negative.
  • Credit risk of the Bank - CPI is not secured by any collateral. When you invest in this product, you will be relying on the Bank's creditworthiness. If the Bank becomes insolvent or defaults on its obligations under this product, you can only claim as an unsecured creditor of the Bank. In the worst case, you could suffer a total loss of your deposit amount.
  • Currency risk - If the deposit currency is not your home currency, and you choose to convert it back to your home currency upon maturity, you may make a gain or loss due to exchange rate fluctuations.
  • Risk of early termination by the Bank - The Bank shall have the discretion to uplift a CPI or any part thereof prior to the Maturity Date (subject to the deduction of such break costs or the addition of such proportion of the return or redemption amount, which may result in a figure less than the original principal amount of the CPI) if it determines, in its sole discretion, that this is necessary or appropriate to protect any right of the Bank to combine accounts or set-off, or any security interest, or to protect the Customer's interests.
  • Risks relating to RMB - You should note that the value of RMB against other foreign currencies fluctuates and will be affected by, amongst other things, the PRC government's control (for example, the PRC government regulates conversion between RMB and foreign currencies), which may adversely affect your return under this product when you convert RMB into your home currency. The value of your RMB deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your RMB deposit to other currencies at an exchange rate that is less favourable than that in which you made your original conversion to RMB, you may suffer loss in principal. This product (if denominated in RMB) will be denominated and settled in RMB deliverable in Hong Kong, which is different from that of RMB deliverable in Mainland China.

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

  • You should note that this material does NOT form part of the offering documents of our ELIs. You should read all the offering documents of our ELIs (including the programme memorandum, the financial disclosure document, the relevant product booklet and the indicative term sheet and any addendum to any of such documents) before deciding whether to invest in our ELIs. If you have doubt on the content of this material, you should seek independent professional advice.
  • Not a time deposit - ELI is NOT equivalent to, nor should it be treated as a substitute for, time deposit. It is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong.
  • Not principal protected – ELIs are not principal protected: you could lose all of your investment.
  • Limited potential gain; you may not receive any potential cash dividend amount - The maximum potential gain under this product is capped at an amount equal to the sum of the difference between the issue price and the nominal amount of the ELIs (if any) (less any cash settlement expenses) and the maximum periodic potential cash dividend amount(s) payable during the scheduled tenor (i.e the period from (and including) the issue date to (and including) the settlement date) of the ELIs. It is possible that you may not receive any potential cash dividend amount for the entire scheduled tenor of the ELIs.
  • Re-investment risk - If our ELIs are early terminated, we will pay you the nominal amount of the ELIs (less any cash settlement expenses) and any accrued potential cash dividend amount calculated up to (and including) that call date. No further potential cash dividend amount will be payable following such early termination. Market conditions may have changed and you may not be able to enjoy the same rate of return if you re-invest these proceeds in other investments with similar risk parameters.
  • No collateral – ELIs are not secured on any of our assets or any collateral.
  • Limited market making arrangements are available and you may suffer a loss if you sell your ELIs before expiry - Our ELIs are designed to be held to their settlement date. Limited market making arrangements are available on a bi-weekly basis for all our ELIs. If you try to sell your ELIs before expiry, the amount you receive for each ELI may be substantially less than the issue price you paid for each ELI.
  • Not the same as investing in the reference asset – Investing in our ELIs is not the same as investing in the reference asset. Changes in the market price of the reference asset may not lead to a corresponding change in the market value of, or your potential payout under, the ELIs.
  • Not covered by Investor Compensation Fund – Our ELIs are not listed on any stock exchange and are not covered by the Investor Compensation Fund. There may not be any active or liquid secondary market.
  • Maximum loss upon HSBC’s default or insolvency – Our ELIs constitute general, unsecured and unsubordinated contractual obligations of HSBC as issuer and of no other person (including the ultimate holding company of our group, HSBC Holdings plc). When you buy our ELIs, you will be relying on HSBC’s creditworthiness.  If HSBC becomes insolvent or defaults on its obligations under the ELIs, in the worst case scenario, you could lose all of your investment.
  • Risks relating to RMB - You should note that the value of RMB against other foreign currencies fluctuates and will be affected by, amongst other things, the PRC government's control (for example, the PRC government regulates conversion between RMB and foreign currencies), which may adversely affect your return under this product when you convert RMB into your home currency. The value of your RMB-denominated ELIs will be subject to the risk of exchange rate fluctuation. If you choose to convert your RMB deposit to other currencies at an exchange rate that is less favourable than that in which you made your original conversion to RMB, you may suffer loss in principal. This product (if denominated in RMB) will be denominated and settled in RMB deliverable in Hong Kong, which is different from that of RMB deliverable in Mainland China.
  • You may, at settlement, receive physical delivery of reference asset(s).
  • Our ELIs may be terminated early by us according to the terms as set out in offering documents our ELIs.
  • Our ELIs are structured investment products which are embedded with derivatives.
  • Investment returns (if any) not denominated in home currency are exposed to exchange rate fluctuations. Rates of exchange may cause the value of investments to go up or down.

The Hongkong and Shanghai Banking Corporation Limited is the issuer and product arranger of our ELIs. 

The information contained in this material have 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 structured products may move up or down. Losses may be incurred as well as profits made as a result of buying and selling structured products. 

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. 

Making available to you any advertisements, marketing or promotional materials, market information or other information relating to a product or service shall not, by itself, constitute solicitation of the sale or recommendation of any product or service. If you wish to receive solicitation or recommendation from us, please contact us and, where relevant, go through our suitability assessment before transacting.