Wealth Portfolio Lending

HSBC HK
Jade
Wealth management
Wealth Portfolio Lending

Our Wealth Portfolio Lending offers you additional liquidity based on your assets with HSBC. You can use a variety of assets in flexible combinations as collateral.

It's a cost-effective, high-value lending facility to help you meet your liquidity and investment needs.

No application fee
Interest rates as low as Our Best Lending Rate minus 2.55 %
Lending facility of up to HKD40 million, subject to eligibility criteria

Features & benefits

Stay liquid without cashing out

Access funds for various needs, such as tax payments, purchasing property, or financing your business, without having to liquidate your investments.

Take advantage of your overall wealth

Make the most of your total assets to exploit short-term investment opportunities, within and outside of HSBC.

Wide range of accepted collateral

Including Time Deposits, Bonds, Certificates of Deposit, HK Listed Equities and Unit Trusts.

Competitive fees

No application fee and competitive borrowing costs.¹See our current pricing information here (PDF)

Here's how it works

You currently hold assets worth HKD15,000,000 in market value as eligible collateral. Based on the Advance Ratio applicable to each eligible asset, your maximum credit limit is HKD 9,000,000. See list of eligible collateral here (PDF).

Once the facility is granted, you are eligible to use HKD cash amount anytime within the facility limit.

**Eligible investment account balance**
Existing account balance
HKD 15,000,000

**Eligible investment account balance**
Existing account balance	HKD 15,000,000

**Based on the Advance Ratio applicable to each eligible asset**
Amount of eligible collateral	Maximum credit limit
HKD 15,000,000	HKD 9,000,000

**Based on the Advance Ratio applicable to each eligible asset**
Amount of eligible collateral	HKD 15,000,000
Maximum credit limit	HKD 9,000,000

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

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

Important information

Key Facts Statement [PDF] This link will open in a new window

Is Wealth Portfolio Lending the right solution for you?

Not yet a Jade client? Join the exclusive world of HSBC Jade.

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

Book an appointment This link will open in a new window

Existing customer - HSBC Jade Dedicated Service Line: (852) 2233 3033
New customers: (852) 2233 3377

Already a Jade Client?

Talk to your dedicated Jade Director to find out more.

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.

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.