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  Important Risk Warning
  • Deposit Plus is a complex product and investors should exercise caution in relation to the product. This is a structured investment product involving derivatives. The investment decision is yours but you should not invest in Deposit Plus 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.
  • 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.
  • This is a structured investment product, which is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong. This product is NOT principal protected.
  Additional risks are disclosed in the section of “Risk disclosure” below. Please refer to it for details.
 
Snapshot of Deposit Plus interest rated (p.a)
Deposit Currency Linked Currency Tenor Interest Rate (p.a) As of 17 Oct 20191
USD GBP 7 Days 22.00%
GBP JPY 7 Days 19.50%
USD NZD 7 Days 7.50%

Top 5 currency pairs2

Week of 09 Oct - 15 Oct 2019

Rank Desposit Currency Linked Currency
1 AUD HKD,USD
2 CAD HKD,USD
3 GBP HKD,USD
4 HKD,USD AUD
5 HKD,USD GBP

The contents of this webpage do not represent recommendations from HSBC. Customers should not base their investment decisions solely on the information herein. Please call 2233 3733 or visit any HSBC branch in Hong Kong for more details on Deposit Plus.

Please refer to the offering documents for further details including risk factors.

  How to get started?
 
  3 simple steps to place your Deposit Plus:

  Choose your
1. Deposit currency
2. Linked currency
11 currencies including AUD, CAD, CHF, CNY, EUR, GBP, HKD, JPY, NZD, SGD and USD
 

Enter deposit amount


Choose deposit period (1 week to 3 months)
 
  Set your desired conversion rate or interest rate
 
  At maturity3, receive principal and interest in the deposit currency or convert principal and interest
to the linked currency at the predetermined conversion rate4
 
 
  Act now to capture Deposit Plus opportunities
 
Call 2233 3733
  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. Determined by the exchange rate on the fixing date.
4. May suffer loss if you convert the proceeds to the deposit currency at the spot rate immediately.
  This document does not constitute an offer for the purchase or sale of any investment 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.
 
  Risk disclosure
  • Not a time deposit – Deposit Plus 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 – Deposit Plus 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 – Deposit Plus 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 Deposit Plus is not the same as buying the linked currency directly.

  • Market risk – The net return of Deposit Plus 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 – Deposit Plus 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 – Deposit Plus 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.

GBP / USD

Spot (end of day)

6M
Source from Reuters – for indication only

GBP / JPY

Spot (end of day)

6M
Source from Reuters – for indication only

USD / NZD

Spot (end of day)

6M
Source from Reuters – for indication only

 
  Important Risk Warning
  • Deposit Plus is a complex product and investors should exercise caution in relation to the product. This is a structured investment product involving derivatives. The investment decision is yours but you should not invest in Deposit Plus 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.
  • 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.
  • This is a structured investment product, which is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong. This product is NOT principal protected.
  Additional risks are disclosed in the section of “Risk disclosure” below. Please refer to it for details.
 
What is Deposit Plus?
Deposit Plus gives you the opportunity to enjoy potentially higher interest returns by integrating time deposit and
foreign currency options.
  Features    
  Higher interest return potential compared to regular time deposits
       
  Balanced risk exposure with relatively lower volatility compared to equities
       
  Favourable exchange rate generally lower than the spot exchange rate at the time
when you place the deposit1
       

How does Deposit Plus suit you?
 
You might find Deposit Plus particularly suitable if:
 
You are comfortable with a low to medium level of risk
   
You would like to enjoy potentially higher interest returns with the selected currencies or have currency needs for practical reasons (e.g. family members living overseas or children studying abroad)
   
You have experience in foreign currency investments
   
You understand that loss may be incurred as a result of depreciation in the value of the currency paid
   
How to get started?
 
  3 simple steps to place your Deposit Plus:

  Choose your
1. Deposit currency
2. Linked currency

11 currencies including AUD, CAD, CHF, CNY, EUR, GBP, HKD, JPY, NZD, SGD and USD
 

Enter deposit amount


Choose deposit period (1 week to 3 months)
 
  Set your desired conversion rate or interest rate
 
  At maturity2, receive principal and interest in the deposit currency or convert principal and interest
to the linked currency at the predetermined conversion rate3
 
 
Act now to capture Deposit Plus opportunities
Call 2233 3733
1. Currency conversion only takes place when the linked currency weakens against the deposit currency as compared to the pre-determined conversion rate on the fixing date, and may suffer loss if currency conversion takes place.
 
2. Determined by the exchange rate on the fixing date
3. May suffer loss if you convert the proceeds to the deposit currency at the spot rate immediately

This document does not constitute an offer for the purchase or sale of any investment 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.
 
Risk disclosure:

  • Not a time deposit – Deposit Plus 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 – Deposit Plus 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 – Deposit Plus 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 Deposit Plus is not the same as buying the linked currency directly.

  • Market risk – The net return of Deposit Plus 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 – Deposit Plus 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 – Deposit Plus 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.
Investment invoices risks and past performance is not indicative of future performance.  The above information is prepared for general information purposes only.  It cannot be construed as an offer or recommendation by the bank and HSBC shall not be held liable for damages arising out of any person's reliance upon this information.  Any person considering an investment should seek independent advice on the suitability or otherwise of the particular investment.  The bank has prepared this document based on information obtained from sources it reasonably believes to be reliable.  However, the bank does not warrant, guarantee or represent, expressly or by implication, the accuracy, validity or completeness of such information.
 
 
  Important Risk Warning
  • Deposit Plus is a complex product and investors should exercise caution in relation to the product. This is a structured investment product involving derivatives. The investment decision is yours but you should not invest in Deposit Plus 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.
  • 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.
  • This is a structured investment product, which is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong. This product is NOT principal protected.
  Additional risks are disclosed in the section of “Risk disclosure” below. Please refer to it for details.
 
 
  HSBC Wealth Management. Deposit Plus.
24-hour online and mobile trading
 
  The foreign currency exchange market is dynamic. To help you respond swiftly and capture
opportunities as they arise, HSBC's Wealth Management provides you with a 24-hour online
and mobile platform1 for trading Deposit Plus. Grasp opportunities now to grow your wealth
potential anywhere, at any time.
 
 
  Deposit Plus
 
  By taking advantage of exchange rate movements, enhance yield potential by increasing your interest above that of time deposits

  24 hours a day, the longest trading hours in town1

  Access to real-time market information and technical analysis to help you make informed decisions

  Comprehensive rate tables showing interest rates of different currency pairs and tenors at a glance

  11 currency choices2 to pair up as deposit and linked currencies even with cross-currency pairs

  Enjoy the flexibility to set your own conversion rate, interest rate and tenor to best suit
your needs

  Get instant price quote of various currency pairs with different tenors and
conversion rates

  Place similar orders based on transaction history

  Minimum deposit amount as low as HKD50,000
     
 
 
  1.  Customers can trade from Monday 6 am to Saturday 5 am except for system maintenance periods from 9 pm to 9.30pm and 5.20am to 5.35am Monday to Friday and public holidays in Hong Kong.
  2.  Currency choices include AUD, CAD, CHF, CNY, EUR, GBP, HKD, JPY, NZD, SGD and USD.
Choose a deposit currency
Choose the linked currency and press the “+" on the right of the currency rate table to view the analysis charts
Enter deposit amount and choose deposit period
Set your desired conversion rate or interest rate
Press “Proceed to place order” for confirmation

 

 

 

 

  Comprehensive rate tables showing interest rates of different currency pairs and tenors at a glance
  Real-time market information and technical analysis to help you make informed decisions
Choose deposit currency and enter deposit amount
Choose the linked currency
Choose deposit period
Set your desired interest rate or conversion rate
 
  Comprehensive rate tables showing interest rates of different currency pairs and tenors at a glance
 
The interest rates (p.a.) of Deposit Plus mentioned in the above picture are for indication only.
Act now to capture Deposit Plus opportunities
Call 2233 3733
This document does not constitute an offer for the purchase or sale of any investment 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.
 
Risk disclosure
  • Not a time deposit – Deposit Plus 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 – Deposit Plus 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 – Deposit Plus 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 Deposit Plus is not the same as buying the linked currency directly.

  • Market risk – The net return of Deposit Plus 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 – Deposit Plus 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 – Deposit Plus 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.