HSBC One
Wealth’s New Normal

1. HSBC One customers can earn up to $10,680 RewardCash and HSBC One+ members can earn up to $12,580 RewardCash by fulfilling the offer requirements within the promotion period. Terms & Conditions (PDF) apply.
2. Investment and currency conversion involve risk. Terms & Conditions (PDF) apply.
3. HSBC One New Fund offer is exclusive to: 1) New HSBC One customers or 2) HSBC One+ members (registration required) only. New customers who join or upgrade to HSBC One within the promotional period (1 September 2026 to 31 December 2026) and deposit new funds can earn up to $3,530 RewardCash, no registration required. Terms and conditions (PDF) apply. HSBC One+ members who register for the promotion within the promotional period (5 September 2026 to 31 December 2026) and deposit new funds within the promotional period can also earn up to $3,530 RewardCash. Terms and conditions (PDF) apply. Register here.
4. Terms and conditions apply. For more details, please visit the HSBC HK Website > "Banking" tab > "Payroll" page.
5. Eligible Time Deposit Transaction(s) refer to 3 month HKD and/or USD “New Fund” time deposit(s) placed via HSBC HK App / Online Banking under “New funds” > “Preferential new fund rates” (min. HKD10,000 / USD2,000 deposit amount or above with “Special interest rates for your eligible new funds” description).
6. The HSBC Trade25 $800 RewardCash Offer is applicable to customers aged 18 to 35 as at 1 January 2026. Eligible customers have to complete their first Eligible BUY Stock Transaction by 30 September 2026 to qualify for the offer. Complete a total of eight Eligible BUY Stock Transactions in eight different calendar weeks by 31 December 2026 to earn $800 RewardCash. Customers aged 26 and above must complete 25 stock transactions by the end of the year to maintain their Trade25 membership for the following year and remain eligible for the offer. Terms and conditions apply. For details, please visit the HSBC HK website > Investing > HSBC Trade25 > HSBC Trade25 $800 RewardCash Offer (for customers aged 18-35).
7. Welcome offer is subject to relevant promotional terms and conditions (PDF).
8. New Credit Card Customers who activate the Eligible Credit Card, and successfully apply for Cash Instalment Plan with an approved withdrawal amount equal to or above HKD20,000 and with a repayment period of 12 months or above within the first 60 calendar days after card issuance, can enjoy an extra $200 RewardCash. Terms and conditions (PDF) apply.
9. Currency conversion involves risk. Terms & Conditions (PDF) apply.
10. Terms and conditions apply. For more details, please visit the HSBC HK Website > "Banking" tab > "Time Deposits" page. To receive RewardCash successfully, please set up a Standalone RewardCash Programme Profile in HSBC Reward+.
11. Eligible RewardCash Time Deposit Transaction Amount will be accumulated by tenor (i.e. 3-month and 6-month RewardCash Time Deposit are calculated separately). Amounts placed in HKD and/or USD under the same tenor are combined for calculation purpose. Any USD RewardCash Time Deposit Transaction Amount will be converted into HKD equivalent (“HKD Equivalent Amount”). RewardCash will be awarded for every accumulated HKD100,000 (or its HKD Equivalent Amount) placed into the relevant 3-month or 6-month RewardCash Time Deposit as applicable. The accumulated amount will be rounded down to the nearest multiple of HKD100,000 for RewardCash calculation. All Eligible Time Deposit Transaction, calculations and RewardCash entitlement will be determined according to the Bank’s records. The Bank’s record is final.
12. Terms & Conditions (PDF) apply. If Eligible Customer qualifies for the Offer, we will credit the RewardCash to Eligible Customer's Standalone RewardCash Programme Profile on or before 31 July 2027.
13. The 'Round-the-World Trip' Lucky Draw Prize will be awarded in the form of $80,000 RewardCash to the relevant eligible customer who may choose to convert such RewardCash into 800,000 miles via the Reward+ App, which should be sufficient to redeem one set of round-trip, non-stop Business Class flight tickets for one passenger from Hong Kong to each of the five continents (Asia, Europe, Africa, the Americas, and Oceania). Reference cities include Tokyo, London, Johannesburg, New York, and Sydney. All passengers are required to pay the applicable taxes and surcharges related to their journeys. Ticket redemption is subject to airline seat availability and the actual mileage required at the time of redemption.
14. HSBC Trade25 is designed especially for the next generation of stock traders aged 18 to 25. Customers aged 26 to 35 can also join HSBC Trade25 now. For details of the terms and conditions of the age extension offer, please visit the HSBC HK website > Investing > HSBC Trade25 > Extending Eligible Age of Joining HSBC Trade25 (for customers aged 26-35). The lifetime $0 commission offer is applicable to HSBC Trade25 customers who are aged 26 or above and have completed 25 or more stock transactions in every calendar year since joining HSBC Trade25 (including the calendar year they joined HSBC Trade25). $0 commission is applicable to the first cumulative HKD250,000 trading volume per calendar month. The HKD25 monthly fee will only be collected for each customer account that has a securities transaction or holding during the calendar month. Terms and conditions apply. For details, please visit the HSBC HK website > Investing > HSBC Trade25 > HSBC Trade25 conditions. Please visit HSBC Trade25 website for details.
15. HSBC's top 5% performing Personal Banking traders are active stock traders with the top 5% performance in their stock portfolio over the past 6 months.
16. Data as of 16 September 2026.
17. Terms and conditions apply. For more details, please visit the HSBC HK Website > "Investing" tab > "Bonds/CDs" page.
18. Currency Switch Option means an option to switch the policy currency to a different currency that HSBC Life makes available at the time of the application for Currency Switch Option, from the 3rd policy anniversary onwards or when the policy is fully paid at the end of the premium payment period (whichever is later). Please refer to section "Product Summary" of the product brochure for more details.
19. Our “market-first” statement is based on our interpretation of currently available market information, by comparing our plan with other similar publicly available long-term participating insurance plans issued by other Hong Kong SAR market players as of October 2025.
20. Starting from the 3rd policy anniversary or the policy becomes fully paid after end of premium payment period (whichever is later) and subject to the policy provisions, you may apply for setting an Exchange Rate Tracking Alert for a Target Exchange Rate (valid for 1 year) without any policy administrative charge. When the Currency Switch Exchange Rate reaches your Target Exchange Rate, you will receive notifications from us and the Exchange Rate Tracking Alert will be revoked whether or not you decide to exercise Currency Switch Option. For the avoidance of doubt, HSBC Life will not automatically switch the Policy Currency for you if the Target Exchange Rate has been met. Please refer to section "Product Summary" of the product brochure for more details.
21. The HSBC Trade25 $200 RewardCash offer is applicable to HSBC One+ members who are aged 18 to 35 as at 1 January 2026. Terms and conditions apply. For details, please visit the HSBC HK website > Investing > HSBC Trade25 > HSBC Trade25 $200 RewardCash Offer for HSBC One+ (for customers aged 18-35).
22. HSBC One+ members aged 36 or above can now join Trade25. For details, please visit the HSBC HK website > Investing > HSBC Trade25 > HSBC One+ Wealth Management Privileges: Access to Trade25 Offer for Customers Aged 36 or above.

1. Terms and conditions apply.
2. To borrow or not to borrow? Borrow only if you can repay!
3. This information and offers are intended for persons in Hong Kong.
4. 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.
5. 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.
6. The price of products may move up or down. Losses may be incurred as well as profits made as a result of buying and selling products.
7. The information shown in this website is neither a recommendation, an offer, nor a solicitation for any investment product or service. Investment involves risk. You should carefully consider whether any investment product or service mentioned herein is appropriate for you in view of your personal circumstances. Past performance is no guide to future performance. Investors should refer to the individual product explanatory memorandum or offering document for further details and risks involved. The price of investment products may move up or down. Losses may be incurred as well as profits made as a result of buying and selling investment products.

1. Making available to you any advertisements, marketing or promotional materials is part of our Bank’s ordinary course of securities dealing business. It shall not, by itself, constitute solicitation of the sale or recommendation of any investment products.
2. Investment involves risk. Notwithstanding the benefits of offer(s) mentioned herein, you should carefully consider the risks and features of any investment products (including but not limited to equities/exchange traded funds/exchange traded derivatives & structured products) or services mentioned herein to assess whether they are appropriate for you in view of your investment experience, objectives, financial resources and relevant circumstances. The price of investment products may move up or down. Losses may be incurred as well as profits made as a result of buying and selling investment products.
3. The information contained in this material and the content have not been reviewed by the Securities and Futures Commission of Hong Kong or any regulatory authority in Hong Kong.

1. Bonds are mainly medium to long-term fixed income products, not for short-term speculation. You should be prepared to hold your Bonds for the full tenor; you could lose part or all of your principal if you choose to sell the bond prior to maturity.
2. It is the issuer who pays interest and repays principal of Bonds. If the issuer of your bond defaults, you might not be able to receive back the interest and principal. You bear the credit risk of the issuer and have no recourse to HSBC unless HSBC is the issuer itself.
3. Indicative prices of Bonds are available, but prices will fluctuate with market changes. Factors affecting market price of bonds include, and are not limited to, fluctuations in interest rates, credit spreads, and liquidity premiums. The fluctuation in yield generally has a greater effect on prices of longer tenor Bonds. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling Bonds.
4. If you wish to sell Bonds, HSBC may repurchase it based on the prevailing market price under normal market circumstances, but the selling price may differ from the original buying price due to changes in market conditions.
5. There may be exchange rate risks if you choose to convert payments made on Bonds to your home currency.
6. The secondary market for Bonds may not provide significant liquidity or may trade at prices based on the prevailing market conditions and may not be in line with the expectations of holders of Bonds.
7. If the Bonds are redeemed early, you might not receive the same rates of return when you use the funds to purchase other products.

HSBC Swift Save Insurance Plan is a life insurance plan with a savings element underwritten by HSBC Life (International) Limited ("HSBC Life") which is authorised and regulated by the Insurance Authority ("IA") to carry on long-term insurance business in the Hong Kong SAR. It is not a bank deposit or bank savings plan. Please refer to the product brochure for detailed features and the policy provisions for the detailed terms and conditions.

 

HSBC Life is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries. The Hongkong and Shanghai Banking Corporation Limited ('HSBC') is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an agency of HSBC Life for the distribution of life insurance products in the Hong Kong Special Administrative Region. This product is a product of HSBC Life but not HSBC and it is intended only for sale in the Hong Kong SAR. If the policyholder discontinues and / or surrenders the insurance plan in the early policy years, the amount of the benefit he / she will get back may be considerably less than the amount of the premium he / she has paid. Your benefit is subject to the credit risk of HSBC Life. Your premiums paid will form part of HSBC Life's assets. You do not have any rights or ownership over any of those assets. Your recourse is against HSBC Life only.

 

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between HSBC and you out of the selling process or processing of the related transaction, HSBC is required to enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the above insurance product should be resolved between HSBC Life and you directly.

 

The HSBC HK Easy Invest App ("Easy Invest") and the contents of this material/correspondence are provided by The Hongkong and Shanghai Banking Corporation Limited ('HSBC HK') for the use of existing HSBC HK customers only. You should download Easy Invest only if you are an existing HSBC HK customer. Easy Invest is not intended for download, or use, by any person in any jurisdiction where such download or use would be contrary to any law or regulation of such jurisdiction or where HSBC HK is not licensed or authorised to provide Easy Invest and/or any of the Services.