The new HSBC One+
For your first bucket of gold

1. Terms and conditions apply.
2. New customers who join or upgrade to HSBC One and complete the designated tasks can also deposit new funds to enjoy up to HKD3,250 cash reward, no registration required. Designated tasks include (a) successfully opens or already hold an investment account; and (b) completes Risk Profiling Questionnaire by the date of reward fulfilment. The promotion period is from 2 March 2026 to 30 April 2026. Terms and conditions apply.
3. Terms and conditions apply.
4. Terms and conditions apply."New HSBC auto-payroll customers" refers to customers who do not have any payroll record with us from 1 April to 30 September 2025 (applicable to customer registering for the promotion from October to December 2025) or from 1 July to 31 December 2025 (applicable to customer registering for the promotion from January to March 2026).
5. Eligible Customer must have his/her first eligible payroll record, credited to his/her self-named HKD savings or current account with the Bank within the registration month or no later than the subsequent 2 months after the registration month. Following that, Eligible Customer must continue to receive Eligible Payroll Records for 3 consecutive months in the designated payroll period in order to enjoy the RewardCash, which is determined based on the customer’s average monthly payroll amount. The average monthly payroll amount is calculated by dividing the total payroll amount in the Designated Payroll Period by three.
6. 'Lifetime $0 commission' offer is applicable to HSBC Trade25 customers who are 26 years old or above if they meet the minimum transaction requirement every calendar year since joining Trade25 (including the year they joined 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. Investment involves risk. Terms and Conditions apply, please visit HSBC Trade 25 website for details.
7. “New-to-stocks” customers means who have not traded or held stocks with HSBC in 2025. Terms and conditions apply.
8. Offers are applicable to customers who are aged 18 to 35. Terms and conditions apply. (Applicable from 1 January 2026 until 31 December 2026). HSBC One+ Exclusive offer: Terms and conditions apply.
9. Investment involves risk. T&C apply.
10. The Bank’s cost price refers to the exchange rate of a transaction without the usual sales margin charged by the Bank. For example, if the Bank’s cost rate for selling Japanese Yen on a given day is 0.0400, the FX rate a customer can enjoy might be 0.04011. After applying a 90% FX spread discount, the FX rate a customer can enjoy would become 0.04001, which is very close to the Bank’s cost rate of 0.0400. The above example is for reference only. Actual exchange rates are based on the Bank’s prevailing rates at the time of transaction.“90% FX spread discount” refers to reduction of 90% on sales margin (on top of the Bank’s Cost Price) normally charged for FX transaction by the Bank. Terms and conditions apply. Offer is valid until 16 May 2026. Currency conversion involves risks.
11. Terms and conditions apply. Currency conversion involves risks.
12. Welcome offer is subject to relevant promotional terms and conditions. To borrow or not to borrow? Borrow only if you can repay!
13. 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 apply.
14. Terms and conditions apply. (Last updated : 12 January 2026)
15. The promotional period for the HSBC HealthPass Standard Annual Plan welcome offer is from 1 January to 31 March 2026 (both dates inclusive, Terms and Conditions apply).
16. The list of HSBC Life Care+ Medical Network providers and their categories are subject to change. Dentistry includes oral examination, clinical advice, scale and polish, tooth extraction, tooth filling, root canal treatment, crown and bridge. For details, please refer to the HealthyLife app.
17. Terms and conditions apply.
18. HSBC One+ customers can enjoy rewards of value up to HKD8,150 (including RewardCash, cash rewards, gift cards) by fulfilling the offer requirements during the promotion period. Please refer to the respective Terms and Conditions for more details.

• Terms and conditions apply.
• To borrow or not to borrow? Borrow only if you can repay!
• This information and offers are intended for persons in Hong Kong.
• Investment involves risk.
• Currency conversion involves risk.
• 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.

The life insurance plans are underwritten by HSBC Life, which is authorised and regulated by the Insurance Authority of the Hong Kong SAR to carry on long-term insurance business in the Hong Kong SAR and is incorporated in Bermuda with limited liability. HSBC Life will be responsible for providing your insurance coverage and handling claims under your life insurance policy. The Bank is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agency of HSBC Life for the distribution of life insurance products in the Hong Kong SAR. The above products are products of HSBC Life but not the Bank and they are intended only for sale in the Hong Kong SAR. They are not a bank deposit or bank savings plan. 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. For product details, cooling off period and related charges, please refer to the relevant brochures and policy provisions.