Our Unit Trust Investment Financing allows you to leverage your initial investment within a wide selection of unit trusts. The ability to leverage your investments gives you the potential for maximal yields and returns.

Don't let great investment opportunities slip by. Grow your wealth and enjoy higher yields with the capital you have on hand, with minimum investment requirements as low as HKD10,000 (or equivalent).

Features and benefits

  • Higher potential yields and returns
    Potential for higher yields and gains from investment with leverage
  • Greater investment flexibility
    Take advantage of timely market opportunities with additional purchasing power using leverage. Once you've opened and funded your Investment Financing account, you'll have access to a loan facility with no additional approval required.
  • Wide range of eligible investment products
    A broad selection of unit trusts denominated in HKD and USD, designed to meet income and yield enhancement objectives, including open-end funds such as equity dividend, fixed income, income driven multi-asset funds, as well as fixed maturity products.
  • Competitive interest rates1
    Lower borrowing costs allow you to profit from interest differentials when you make high-interest investments. See our current pricing information here [PDF, 337KB].
  • No additional fees or charges2
    Free and easy application at no extra cost

Fixed Maturity Portfolios (FMP)

Fixed Maturity Portfolios offer unique opportunities to invest in fixed income. You can invest in limited term corporate and government bonds across the global credit spectrum, offering you the chance at attaining an attractive yield.

Here's how they work

Let's say you have HKD10,000 and you want to purchase an eligible Unit Trusts Investment Financing fund with a Margin Ratio of 60%. 

You can leverage your initial investment to receive an additional investment loan of HKD15,000, giving you a total of HKD25,000 to use for this investment. 

Unit Trust Investment Financing Settlement Account with cash holdings
Existing cash balance
HKD10,000
Unit Trust Investment Financing Settlement Account with cash holdings
Existing cash balance
HKD10,000

Purchase an eligible unit trust fund with a Margin Ratio of 60%

Maximum amount of eligible investment products to be subscribed for:
Credit limit generated from this transaction
Possible Investment Loan amount
HKD25,000 (HKD10,000 / (1-60%))
HKD15,000(HKD25,000 x 60%)
HKD15,000

Purchase an eligible unit trust fund with a Margin Ratio of 60%

Maximum amount of eligible investment products to be subscribed for:
HKD25,000 (HKD10,000 / (1-60%))
Credit limit generated from this transaction
HKD15,000(HKD25,000 x 60%)
Possible Investment Loan amount
HKD15,000

1The interest rate offered depends on the Best Lending Rate (BLR), which is the prevailing rate quoted by us, and may change from time to time.

2Fees and charges will be applied as established in the corresponding policy of the eligible unit trust products defined for HSBC Jade clients.

3This service is subject to customer needs and appropriate assessment(s). This service is only available to clients holding a valid and appropriate Risk Profiling Questionnaire, and only available in the branch. In the worst case scenario with Investment Financing, it could expose you to significant losses; you may incur losses in excess of your own initial funds and your investment, and you may be required to repay the Investment Loans in full. 

"To borrow or not to borrow? Borrow only if you can repay!" 

Contact your Jade Director to enjoy superior financial flexibility with our investment financing loan.3

Upgrade your banking experience. Join HSBC Jade today.

To help us better understand your needs, please contact us to arrange an appointment.

How to qualify

HSBC Jade is a privileged and personalised service for clients who maintain Total Relationship Balance of at least HKD7.8M with us in Hong Kong. Terms and Conditions apply.

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Gain access to newly-issued bonds from well-recognised issuers in primary and secondary markets

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