Wealth Portfolio Lending

HSBC HK
Wealth Financing
Wealth Portfolio Lending

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Already an HSBC Premier Elite or Premier customer?

Activate Wealth Portfolio Lending facility online in just few minutes with online banking.

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Key facts statement (PDF)

Wealth Portfolio Lending brochure (PDF)

Get in touch with us

To help us better understand your needs, simply arrange an appointment with us.

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We'll answer any queries you might have through a phone call.

HSBC Premier Elite Dedicated Service Line: (852) 2233 3033
HSBC Premier dedicated hotline: (852) 2233 3322

Find out more

Via the HSBC HK App

Log on and go to 'Wealth'.
Find the 'Products and services' section, select 'View all', and choose 'Wealth Portfolio Lending'.

Via HSBC Online Banking

Log on, go to the menu at the top of the screen, and select 'Investment'.
Choose 'Wealth Financing'.
Or go to 'Investment portfolio' and select 'Explore wealth products'.
Select 'Wealth Portfolio Lending'.

If you are applying via HSBC HK Mobile Banking app or HSBC Online Banking , generally it takes around:

10-15 minutes to go through the whole application journey
1-2 business days to set up your facility.

If you are applying via branch, generally it takes around:

30 minutes to apply with your dedicated Relationship Manager
3 to 5 business days to approve and set up your facility

Interest will be charged on the loan amount utilised. We charge a Wealth Portfolio Lending (WPL) annual interest rate which is 1-month Hong Kong Interbank Offered Rate (HIBOR) plus/minus Interest Rate Spread p.a. (Interest rate is determined by your daily utilisation tier).

We could change the basis of pricing from time to time and we will inform you if we do so with at least 30-days notice. You can check our latest pricing on our Key Facts Statement (Wealth Portfolio Lending - Key Facts Statement (hsbc.com.hk)).

1-month Hong Kong Interbank Offered Rate (HIBOR) as at any date means the Hong Kong Interbank Offered Rate for the interest period of 1 month for Hong Kong Dollars quoted by The Hong Kong Association of Banks on such date. Please refer to the latest 1-month HIBOR on The Hong Kong Association of Banks' website (www.hkab.org.hk).

There is no charge for the application of WPL and there will be no charge for unused credit limit.

You can view your facility details via the Wealth Portfolio Lending (WPL) servicing page in HSBC HK Mobile Banking app, HSBC HK Easy Invest app, or HSBC Online Banking.

For details of your WPL outstanding portfolio loan balance and any relevant interest expense, please check your integrated account transactions in HSBC Online Banking or HSBC HK Mobile Banking app or refer to your integrated account statement.

See all frequently asked questions

Key benefits

Stay liquid without cashing out

Unlock liquidity with a credit limit of up to HKD50 million for various needs, such as tax payments or financing your business, without giving up your opportunities and returns.

Take advantage of your overall wealth

Make the most out of your total assets by having additional ready to use cash available to finance your lifestyle spending or any short-term liquidity needs.

Wide range of accepted collateral

This includes foreign currency savings deposits, time deposits, Deposit Plus, structured investment deposits, US and Hong Kong listed stocks, unit trusts, Hong Kong exchange traded funds, bonds, and certificates of deposit.

Utilisation based fees

Utilisation based borrowing costs as low as 1-month HIBOR + 0.8%¹. See our current pricing information here (PDF)

Advance Ratio

Advance Ratio is the percentage of the market value of your asset(s) that you can take out as a loan.

The advance ratio of each asset is assigned based on HSBC's internal assessment of the quality of your assets and your investment portfolio.

Generally, the more diversified your investment portfolio is, the higher the advance ratio for your assets may be, taking it closer to the respective maximum advance ratio listed below.

If your investment portfolio is considered to be concentrated or impacted by other risk factors, based on HSBC's internal assessment, the advance ratio you can get may not be as high as the respective maximum advance ratio below.

Take a look at these examples:
Asset Type	Advance Ratio (up to)
Foreign Currency Savings Deposits	up to 85%
HKD Time Deposits	up to 100%
Foreign Currency Time Deposits	up to 85%
Deposit Plus	up to 70%
Capital Protected Investment Deposits	up to 70%
Bonds	up to 95%
Certificates of Deposit	up to 70%
US Listed Equities	up to 70%
HK Listed Equities	up to 70%
Unit Trusts	Equity Funds: up to 70% Fixed Income Funds: up to 90% Mixed Allocation Funds: up to 70% Other Funds: up to 70%

Take a look at these examples:
Asset Type	Foreign Currency Savings Deposits
Advance Ratio (up to)	up to 85%

Asset Type	HKD Time Deposits
Advance Ratio (up to)	up to 100%

Asset Type	Foreign Currency Time Deposits
Advance Ratio (up to)	up to 85%

Asset Type	Deposit Plus
Advance Ratio (up to)	up to 70%

Asset Type	Capital Protected Investment Deposits
Advance Ratio (up to)	up to 70%

Asset Type	Bonds
Advance Ratio (up to)	up to 95%

Asset Type	Certificates of Deposit
Advance Ratio (up to)	up to 70%

Asset Type	US Listed Equities
Advance Ratio (up to)	up to 70%

Asset Type	HK Listed Equities
Advance Ratio (up to)	up to 70%

Asset Type	Unit Trusts
Advance Ratio (up to)	Equity Funds: up to 70% Fixed Income Funds: up to 90% Mixed Allocation Funds: up to 70% Other Funds: up to 70%

Please refer to Appendix 1 of the Product Factsheet for further details of the eligible collateral.

Here's how it works

How much you can borrow

Assuming you currently hold assets worth HKD15 million in market value as collateral with a blended advance ratio of 60%, the total collateral value will be HKD9 million, and you will be able to borrow up to HKD9 million.
Total market value of your asset	Blended advance ratio	Total collateral value
HKD15 million	60%	HKD9 million

Assuming you currently hold assets worth HKD15 million in market value as collateral with a blended advance ratio of 60%, the total collateral value will be HKD9 million, and you will be able to borrow up to HKD9 million.
Total market value of your asset	HKD15 million
Blended advance ratio	60%
Total collateral value	HKD9 million

Total collateral value of your assets = Total market value of your asset * Blended advance ratio

How to determine the net margin ratio (NMR)

We use net margin ratio (NMR)² to determine your margin status. When your NMR falls below 100%, you may get a margin call from us.

For example, you have a total collateral value of HKD9 million and you draw down HKD8 million. Your NMR will be 117%.
Total market value of your assets	Total collateral value of your assets	Total outstanding loan	Net margin ratio
HKD15 million	HKD9 million	HKD8 million	117%

For example, you have a total collateral value of HKD9 million and you draw down HKD8 million. Your NMR will be 117%.
Total market value of your assets	HKD15 million
Total collateral value of your assets	HKD9 million
Total outstanding loan	HKD8 million
Net margin ratio	117%

Net margin ratio = (total market value - total outstanding loan) / (total market value - total collateral value)

You'll need to monitor your account from time to time to ensure you have sufficient margin, and that the NMR is at all times equal to or more than 100% (or any other percentage we have advised you of). If you don’t do this, you may be sent one of the notices below.
NMR	Actions
Shortfall³ >= 80% /< 100%	You need to satisfy a shortfall by: Making available additional funds to either be applied to reduce the loan outstanding; or Providing additional Eligible Assets⁴ to increase your collateral value; or Providing instructions for a full or partial sale of Secured Assets
Margin Call³ >= 60% / < 80%	You need to satisfy a margin call within five business days by: Making available additional funds to either be applied to reduce the loan outstanding; or Providing additional Eligible Assets⁴ to increase your collateral value; or Providing instructions for a full or partial sale of Secured Assets
Forced Liquidation⁵ < 60%	Forced liquidation of all or part of the investments and/or deposits without prior notice.

You'll need to monitor your account from time to time to ensure you have sufficient margin, and that the NMR is at all times equal to or more than 100% (or any other percentage we have advised you of). If you don’t do this, you may be sent one of the notices below.
NMR	Shortfall³ >= 80% /< 100%
Actions	You need to satisfy a shortfall by: Making available additional funds to either be applied to reduce the loan outstanding; or Providing additional Eligible Assets⁴ to increase your collateral value; or Providing instructions for a full or partial sale of Secured Assets

NMR	Margin Call³ >= 60% / < 80%
Actions	You need to satisfy a margin call within five business days by: Making available additional funds to either be applied to reduce the loan outstanding; or Providing additional Eligible Assets⁴ to increase your collateral value; or Providing instructions for a full or partial sale of Secured Assets

NMR	Forced Liquidation⁵ < 60%
Actions	Forced liquidation of all or part of the investments and/or deposits without prior notice.

Loan Interest Calculator

The loan interest calculator estimation is for reference only.

dpws-tools-calculator-creator

Please note the applicable loan calculator assumptions⁶.

Remarks:

The loan interest calculator estimation shown above is for reference only and does not represent the actual interest. The actual repayment liability depends on the actual terms of each borrowing arrangement.
HK dollar loan interest is calculated on the basis of actual number of days elapsed and 365-days in a year or 366-days in a leap year.
US dollar loan interest is calculated on the basis of actual number of days elapsed and 360-days per year.
The actual loan interest amount charged may differ, please refer to the relevant statement of the settlement account.
The loan effective interest rate (p.a.) for individual customers may vary and subject to the applicable terms of the facility including any promotional offer. Please refer to the relevant product information.
Loan calculator assumptions:
a.Loan interest is calculated by assuming the loan amount remains unchanged.
b.Loan interest is calculated by assuming interest charged is fully repaid each month.
c.Monthly interest is calculated by assuming 30 days in a month.
d.Annual interest is calculated by assuming 365 days in a year.

Reference Material:

You may find the relevant interest rate benchmark from the below links:

HKAB HKD Interest Settlement Rates (HIBOR): https://www.hkab.org.hk/en/home
HSBC's U.S. Dollar Best Lending Rate: https://www.hsbc.com.hk/investments/market-information/us/lending-rate/

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

Are you eligible?

To apply, you need to be:

an HSBC Premier Elite / Premier customer

You are eligible for HSBC Premier Elite if you maintain a Total Relationship Balance (TRB) of at least HKD7.8 million with us in Hong Kong, and eligible for HSBC Premier if you maintain a TRB of at least HKD1 million with us in Hong Kong. (A Below Balance Fee of HKD380 per month will be applied if your TRB falls below HKD1 million.)

TRB includes:

Hong Kong dollar/ renminbi / foreign currency deposits
Market value of the following investments: local and overseas securities, Unit Trusts, bonds, certificates of deposit, equity linked investments, structured notes, Monthly Investment Plan (stocks/ Unit Trusts) and Wayfoong Statement Gold
Deposit amounts of Deposit Plus and Structured Investment Deposits
Utilised lending facilities (excluding mortgages and amounts outstanding on credit cards)
Life insurance with savings or investment component*
HSBC MPF balances and HSBC ORSO Defined Contribution Scheme balances which are administered by The Hongkong and Shanghai Banking Corporation Limited
Minimum total relationship balance refers to the rolling average for the previous three months.

* For life insurance with savings or investment component:

Investment-linked life insurance policies include the total cash value of the policies;
Other life insurance policies include the total cash value of the policies OR total premium paid less any annuity payments received (if applicable), whichever is higher.

To determine your overall TRB in sole capacity, the applicable TRB of all your personal sole account(s) held or registered with the same joint accountholder(s) under the same name(s) and identity number(s), held with the same joint accountholder(s) will be included in the calculation. There may be a time lag before the value of certain investment transactions (i.e. initial public offering subscriptions for securities, bonds, open-end funds and certificates of deposits) and life insurance policies will be included in the TRB due to the processing time required and therefore may affect the TRB in the Bank's record.

Need further information?

HSBC Total Relationship Balance

Product factsheet (PDF)

Key facts statement (PDF)

Terms and Conditions (effective from 1 Sep 2025)(PDF)

Notice of Changes to the Terms and Conditions (effective from 1 Sep 2025) (PDF)

Terms and conditions (effective from 23 Sep 2023 and 1 Sep 2025) (PDF)

Wealth Portfolio Lending Promotion 2025 Terms and Conditions(PDF)

Promotion for HSBC Top Trader Club members Terms and Conditions (PDF)

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Remarks

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

The interest rate offered depends on the below: (i) the interest rate benchmark - 1-month Hong Kong Interbank Offered Rate (HIBOR) as at any date which is quoted by The Hong Kong Association of Banks on such date, and (ii) usage based interest rate spread. Both interest rate benchmark and interest rate spread may change from time to time. Please refer to the latest 1-month HIBOR on The Hong Kong Association of Banks' website (www.hkab.org.hk).
You can check our latest pricing on our Key Facts Statement (Wealth Portfolio Lending - Key Facts Statement (hsbc.com.hk)).
NMR changes on a daily basis depending on your asset market value, blended advance ratio and your loan outstanding. For more details, please refer to the product factsheet.
The under margin levels, shortfall levels and margin call levels are subject to change by the Bank without prior notice and the Bank has no obligation to notify the customer of the aforesaid event, therefore it is the customer's duty to monitor the same.
The list of the eligible investments and eligible deposits designated by the Bank and their respective advance ratio may be amended by the Bank from time to time without prior notice.
In the event that the market deteriorates rapidly beyond the margin call level and reaches the forced liquidation level, the Bank reserves the rights to close out all or part of the outstanding positions without notice and without any margin calls. The forced liquidation levels are also subject to change by the Bank without prior notice.

1. Risks associated with margin requirements : Wealth Portfolio Lending provides a line of credit secured against assets held in your HSBC account.

Any cash and securities deposited with us will be charged, pledged and/or assigned to us.
Your Credit Limit may fluctuate dramatically during the adverse market conditions which impact the market value of your Secured Assets or if we modify the advance ratio assigned to Eligible Assets.
If your Credit Limit drops below your outstanding loan balance, you may be required to transfer in additional Eligible Assets or repay part of your Loan (“Margin Call”) on short notice.
We have the right to liquidate your Secured Assets or offset your loan with any cash that you deposited with us (“Forced Liquidation”) if you do not satisfy a Margin Call within the required timeline, or if your account otherwise reaches Forced Liquidation status.
Any liquidation of your Secured Assets will be at prevailing market prices, which may be unfavourable.
You will bear all fees and losses associated with liquidation of your Secured Assets, and remain liable to repay any outstanding loan balance remaining unpaid.
Finally, we may also exercise the right to sell part or all of any of your Secured Assets used as collateral and/or dispose part or all of your cash or other assets deposited with us and take any other legal action, without prior notice or demand.
For example, we may have such right when due to adverse market conditions the market value of your assets drops significantly, your assets or your account ceases to be eligible for Wealth Portfolio Lending, or we need to reduce your potential exposure to unacceptable risks or heavy losses.

2. Interest rate risk : Interest rate fluctuations may have an adverse impact on your borrowing costs.
In instances where borrowed funds are used to purchase investment products, the cost of borrowing may equal or exceed your investment returns, resulting in gains being wiped out or a loss incurred.

3. Liquidity risk : You will need to retain sufficient liquid assets to service your loan. Significant market events may place substantial stress on your liquidity position. Under certain market conditions you may have difficulty selling your assets. In the event we have to force sell your assets, the price at which such sale is concluded may also be affected where there is no or little liquidity in the market for your investments and/or collateral.

4. Currency risk : If your loan and collateral are denominated in different currencies, you may face losses and increased risk of a Margin Call when the borrowing currency appreciates and/or the collateral currency depreciates.

5. Risk of magnified losses : In instances where borrowed funds are used to increase the size of an investment portfolio, this may result in magnified losses during periods of market decline or adverse market conditions.

In instances where borrowed funds are used to purchase securities, it should be noted that the prices of securities vary, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that you will incur losses rather than making profit when buying or selling securities.