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Wealth Portfolio Lending

Looking for extra liquidity to unlock investment opportunities or other potentials?

Greater financial flexibility with a secured loan

HSBC Wealth Portfolio Lending is designed for HSBC Jade customers to enjoy additional liquidity based on their assets with HSBC. You can pledge a wide range of accepted collateral to boost your buying power and fulfill your general liquidity needs, provided you stay within our margin monitoring thresholds.

Key benefits

Stay liquid without cashing out

Unlock liquidity with a credit limit of up to HKD39 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 of your total assets to exploit short-term investment opportunities, within and outside of HSBC.

Wide range of accepted collateral

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

Competitive fees

Competitive borrowing costs as low as our Best Lending Rate minus 2.55%. 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)
HKD Time Deposits
95%
Foreign Currency Time Deposits
85%
HK Listed Stocks
70%
Unit Trusts / HK Exchange Traded Funds
90%
Bonds
95%
Certificates of Deposit
70%

Take a look at these examples:

Asset Type
HKD Time Deposits
Advance Ratio (up to)
95%
Asset Type
Foreign Currency Time Deposits
Advance Ratio (up to)
85%
Asset Type
HK Listed Stocks
Advance Ratio (up to)
70%
Asset Type
Unit Trusts / HK Exchange Traded Funds
Advance Ratio (up to)
90%
Asset Type
Bonds
Advance Ratio (up to)
95%
Asset Type
Certificates of Deposit
Advance Ratio (up to)
70%

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)

Ready to apply for Wealth Portfolio Lending?

Not yet a Jade client?

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

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

Alternatively, call us at (852) 2233 3377.

Already a Jade client?

Talk to your dedicated Jade Director to find out more, or call us at (852) 2233 3033 (HSBC Jade Dedicated Service Line).

Need further information?

Other products you may be interested in

 

Place deposits with rates exclusive to HSBC Jade clients.

 

Enjoy exclusive offerings on FX, stocks, and bonds, to enhance your wealth management needs.

 

Leverage your initial investment within a wide selection of unit trusts, giving you the potential for maximal yields and returns.

 

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

Remarks

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

  1. The 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.