Join HSBC Premier by 30 Sep 2017 to enjoy welcome rewards worth up to HKD20,5001, and a below balance fee waiver in the first 6 months2.

Reward Type Reward Conditions Shopping Coupon Rewards
New Fund Offer3 HKD1,000,000 to less than HKD3,000,000 HKD1,000
HKD3,000,000 to less than HKD5,000,000 HKD2,000
HKD5,000,000 to less than HKD8,000,000 HKD3,000
HKD8,000,000 or above HKD10,000
Total Relationship Balance Offer4 -  Customers can enjoy HKD300 shopping coupons by maintaining a Total Relationship Balance of HKD1 million or more without the need to fulfil the above New Fund requirement.
Wealth Management Product Take-up Offer5 Accumulated take-up value of HKD500,000 to less than HKD1,000,000 HKD300
Accumulated take-up value of HKD1,000,000 or above HKD500
Wealth Management Product Take-up Bonus Offer6 Take up at least three types of designated wealth management products each of HKD3,000,000 or above HKD10,000  

New Premier customers can also enjoy preferential offers over a wide range of wealth management products7.

Unit Trusts
  • Initial charges as low as 1% for new Investment account holders
  • Click here to learn more
Securities
  • $0 Brokerage fee on HK stock, China A shares, US stock purchase for the first three months for new Investment account holders
  • 0.1% Cash Rebate for Hong Kong stock, China A shares, US stock transfer-in/deposit for new Investment account holders
  • Click here to learn more
Retail Bonds
  • Waiver of handling fees for all services including safe custody, interest collection and redemption at maturity
  • Click here to learn more
Life Insurance
  • Goal Access Universal Life Plan (Protection)/Goal Access Universal Life Plan (Education)/Lifestyle Wealth Protection Plus/Target Protection Plus/EarlyIncome Annuity Plan/Income Goal Insurance Plan: 1.5% off first year premium
  • WholeLife Protection Plan/Privileged Term Protection Plan/Mortgage Protection Plan: one month premium waiver
  • Click here to learn more
Medical Insurance
  • First Care/Cancer Care/Worldwide Elite Medical Plan: 10% off first year premium for family enrolment
  • Click here to learn more
Time Deposits and Foreign Currency Trading
  • Preferential deposits and exchange rates

We have lined up professional education consultants to provide consultations with exclusive offers to Premier customers. Click here to learn more.

Education Consultants Offer Details
ARCH Education
  • 40% off on 1-on-1 Consultation with admissions counselors (discounted price: HK$960)
CANA
  • 1 hour complimentary consultation
  • Complimentary assessment on IB, (I)GCSE, GCE A-Level, AP, SAT, ACT, LNAT, UKCAT, BMAT and primary curriculum
  • 5% off discount for lessons at CANA in the first 30 days

Terms and Conditions apply

Remarks:

  1. The Welcome Rewards worth a maximum of HKD20,500 comprise the sum of up to HKD10,000 worth of shopping coupons under the New Fund or Total Relationship Balance (TRB) Offer, HKD500 worth of shopping coupons under the Wealth Management Product Take-up Offer, and HKD10,000 worth of shopping coupons under the Wealth Management Product Take-up Bonus Offer. Terms and conditions apply.  These Remarks highlight some of the main terms.  Please refer to the HSBC Premier Welcome Rewards - Promotional Terms and Conditions for full details.
  2. After joining Premier customers are required to maintain an average daily Total Relationship Balance for three consecutive months of HKD1 million or more. A monthly below balance fee of HKD380 will apply after the 6-month Fee Waiver Offer ends. Please refer to the Promotional Terms and Conditions for the details of the first 6-month below balance fee waiver.
  3. This offer is only for Eligible Customers who (i) successfully open /convert an account to a Premier Account during the promotional period, and (ii) have successfully opened and maintained a valid Premier investment account, or have successfully registered for/ or maintained HSBC Personal Internet Banking as at the last day of the first calendar month after the month of account opening/conversion and have successfully logged in Personal Internet Banking at least once on or before such date, and (iii) place New Funds of at least HKD1 million in the Premier Account on or before the last day of the first calendar month after the month of account opening/conversion, and (iv) maintain a specified amount of New Funds for the second and third calendar months after the month of account opening/conversion. Please refer to the HSBC Premier Welcome Rewards - Promotional Terms and Conditions for the definition of “New Funds”.
  4. Refers to the Total Relationship Balance Offer worth $300 in value of shopping coupons. This offer is only applicable to Eligible Customers who cannot meet the New Funds Offer requirements under Remark 3 above, but are able to maintain an Average Daily Total Relationship Balance of at least HKD1 million in the second and third calendar months after the month of account opening/ conversion. This offer cannot be enjoyed together with the New Funds Offer. Please refer to the HSBC Premier Welcome Rewards - Promotional Terms and Conditions for the definition of “Average Daily Total Relationship Balance”.
  5. The offer is only applicable to Eligible Customers who successfully take up wealth management product(s) under any of the following product categories and reached a specified accumulated amount: (i) lump sum subscription of Unit Trusts including transfer-in or deposit from a non-HSBC account (excluding Unit Trusts Monthly Investment Plans and switching of Unit Trusts), (ii) purchase of Bonds/Certificates of Deposit (excluding bonds in respect of initial public offering), (iii) subscription of Structured Investment Products, (iv) placement of Renminbi (“RMB”)/ foreign currency time deposits with New Funds, and (v) purchases of securities (all types of stocks). To enjoy the offer, any such transaction must be executed via a Premier investment account during the period from the date of account opening/conversion to the last day of the calendar month following the month of account opening/conversion (for the transfer-in or deposit of Unit Trust from a non-HSBC account, such period can be extended to the last day of the second calendar month following the month of account opening/conversion).
  6. The offer is only applicable to Eligible Customers who successfully take up at least three wealth management products from different product categories under (i) to (v) listed in Remark 5 above (including transfer-in or deposit of Unit Trusts from a non-HSBC account) during the period from the date of account opening/conversion to the last day of the calendar month following the month of account opening/conversion (for the transfer-in or deposit of Unit Trust from a non-HSBC account, such period can be extended to the last day of the second calendar month following the month of account opening/conversion). To enjoy the offer, each single transaction must be executed via a Premier investment account and the transaction amount must be at least HKD3,000,000 for each product category.
  7. The Wealth Management Product Offers are subject to the applicable Wealth Management Product Offers Terms and Conditions.

Important Risk Warning

  • 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.
  • The price of securities/structured products may move up or down. Losses may be incurred as well as profits made as a result of buying and selling securities/structured products.
  • Investors should not make investment decisions based on this material alone.
  • Investment involves risk. Past performance is not indicative of future performance. For details of investment products, their related fees and charges and risk factors, please refer to the individual product materials.
  • 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 and structured investment products 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.
  • RMB denominated products are subject to liquidity risk as there may be no regular trading and active secondary market for RMB Income Instruments. The bid and offer spread of the price of RMB Income Instruments may be large, so investors may incur significant trading and realisation costs and may suffer losses accordingly.

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

Bonds/CDs/Deposit Plus (DPS)/Capital Protected Investment Deposit (CPI)/Equity linked investments (ELI) and UT are not equivalent to time deposits. DPS/CPI/ELI/CDs are not protected deposits, and they are NOT protected by the Deposit Protection Scheme in Hong Kong. DPS/ELI are not principal protected.

Risk Disclosure

Unit Trusts Risk Disclosure

  • Funds which are invested in certain markets and companies (eg emerging, commodity markets and smaller companies etc) may also involve a higher degree of risk and are usually more sensitive to price movements.
  • Credit Risk/Interest Rate Risk – a fund that invests in fixed income securities may fall in value if interest rates change, and is subject to the credit risk that issuers may not make payments on such securities. Price of the fund may have a high volatility due to investment in financial derivative instruments and may involve a greater degree of risk than in the case with conventional securities.
  • Counterparty Risk – a fund will be exposed to credit risk on the counterparties with which it trades in relation to financial derivative instrument contracts that are not traded on a recognised exchange. Such instruments are not afforded the same protections as may apply to participants trading financial derivative instruments on organised exchanges, such as the performance guarantee of an exchange clearing house. A fund will be subject to the possibility of insolvency, bankruptcy or default of a counter party.

Bonds and Certificates of Deposit (“CDs”) Risk Disclosure

  • Bonds/CDs are mainly for medium to long term investment, not for short term speculation. You should be prepared to invest your funds in bonds for the full investment tenor. You could lose part or all of your investment if you choose to sell your bonds/CDs prior to maturity.
  • It is the issuer to pay interest and repay principal of bonds/CD. If the issuer defaults, the holder of bonds/CD may not be able to receive back the interest and principal. The holder of bonds/CD bears the credit risk of the issuer and has no recourse to HSBC unless HSBC is the issuer itself.
  • Indicative price of bonds/CD are available and bond/CD price do fluctuate when market changes. Factors affecting market price of bonds/CD 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/CD. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling bonds/CD.
  • If you wish to sell Bonds/CDs, 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.
  • There may be exchange rate risks if you choose to convert payments made on the bond/CDs to your home currency.
  • The secondary market for bonds/CDs 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/CDs.
  • If bonds/CDs are early redeemed, you may not be able to enjoy the same rates of return when you re-invest the funds in other investments.

Deposit Plus (DPS) and Capital Protected Investment Deposit (CPI) Risk Disclosure

  • DPS and CPI are not available for persons who are US citizen / with US nationality, are US resident or US tax payer, or have a US address (eg primary mailing, residence or business address in the US).
  • Credit risk of the Bank – DPS and CPI are not secured by any collateral. When you invest in these products, you will be relying on the Bank's creditworthiness. If the Bank becomes insolvent or defaults on its obligations under these products, 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.
  • 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.
  • 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.
  • Risk of early termination by the Bank – The Bank shall have the discretion to uplift a Deposit 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 Deposit) 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. 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.

Equity Linked Investments (”ELIs”) Risk Disclosure

  • ELIs are not principal protected. Investment in ELIs involves risks. The net return in relation to an ELI will depend upon stock market conditions prevailing on the valuation date. Fluctuations in stock prices can be substantial and you must be prepared to receive the share valuation amount or the relevant quantity of the underlying stock (if you have elected, or are deemed to have elected, to receive shares), whichever is applicable, or you may suffer a total loss of the capital invested in the ELI. Changes in the market prices of the underlying stock may not lead to corresponding changes in the market value of the ELI.
  • You should consider whether or how much of your investment portfolio should comprise ELIs based on your own risk appetite, investment experience and investment objectives. If you have any concerns about this product, or are uncertain about the suitability of asset allocation in your investment portfolio, you should consult your professional financial advisor. You should also refer to the offering circular, any addendum to the offering circular, the latest publicly available annual report and unaudited interim financial results of the issuer and the applicable term sheet for further details on the ELIs and the risks involved before deciding whether to invest in the ELIs. This document does not constitute an offer or an invitation to purchase or to induce an offer by any person to purchase or acquire or invest in the ELIs.
  • Investment returns 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.
  • Issuer's Risk – you rely on HSBC's creditworthiness. The product is subject to both the actual and perceived measures of the credit worthiness of HSBC and there is no assurance of protection against a default by HSBC in respect of its payment obligations. In the worst case scenario (eg insolvency of HSBC), the investor might not be able to recover the principal and/or any interest/coupon (if any) and the potential maximum loss could be 100% of the investment amount and interest/coupon received.

Renminbi (“RMB”) Related Products Risk Disclosure

  • There may be exchange rate risks if you choose to convert payments made on RMB related products to your home currency.
  • RMB related products may suffer significant losses in liquidating the underlying investments if such investments do not have an active secondary market and their prices have large bid/offer spreads.
  • In general, RMB equity products are exposed to the usual kind of default risks that might be associated with equity products denominated in other currencies.

China A Shares Risk Disclosure

  • Investment in China A Shares through Shanghai-Hong Kong Stock Connect 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.

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 securities/structured products may move up or down. Losses may be incurred as well as profits made as a result of buying and selling securities/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.

Join HSBC Premier to enjoy welcome rewards worth up to HKD20,500.

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