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HSBC Premier, HSBC Advance and Personal Integrated Account1 Secured Credit

Get higher credit limits when you secure a credit line against your assets.

  • No service fee
  • No monthly payment required
  • Assets remain freely tradable

Access secured credit of up to

HKD5,000,000

Adjusted daily according to the advance ratio assigned to each security type

Interest rate

Interest rates on Secured Credit depend on the type of account held and the assets against which the credit is secured.

Available Assets held in your Integrated Account2,3,9,11

Foreign Currency Time or Saving Deposits

HKD Time Deposits4

Deposit Plus4

Structured Investment Deposits5

Gold

Bonds and Certificates of Deposit6

Locally quoted Shares6,7

Equity Linked Notes or Equity Linked Investment6

Locally quoted Unit Trust6,8

Loan Ratio (up to)10

90% 100% 70% 70% 70% 70% 50% 70% 70%
Interest Rate12,13for HSBC Premier

HSBC's Best Lending Rate

+1%

HSBC's Best Lending Rate

+1%

HSBC's Best Lending Rate

+1%

HSBC's Best Lending Rate

+1%

HSBC's Best Lending Rate

+1%

HSBC's Best Lending Rate

+2%

HSBC's Best Lending Rate

+2%

HSBC's Best Lending Rate

+2%

HSBC's Best Lending Rate

+2%

Interest Rates12,13(HSBC Advance) – Previous month’s total relationship balance < HKD 1million

HSBC's Best Lending Rate

+1.5%

HSBC's Best Lending Rate

+1.5%

HSBC's Best Lending Rate

+1.5%

HSBC's Best Lending Rate

+1.5%

HSBC's Best Lending Rate

+1.5%

HSBC's Best Lending Rate

+2.25%

HSBC's Best Lending Rate

+2.25%

HSBC's Best Lending Rate

+2.25%

HSBC's Best Lending Rate

+2.25%

Interest Rates12,13(HSBC Advance) – Previous month’s total relationship balance >= HKD 1million

HSBC's Best Lending Rate

+1%

HSBC's Best Lending Rate

+1%

HSBC's Best Lending Rate

+1%

HSBC's Best Lending Rate

+1%

HSBC's Best Lending Rate

+1%

HSBC's Best Lending Rate

+2%

HSBC's Best Lending Rate

+2%

HSBC's Best Lending Rate

+2%

HSBC's Best Lending Rate

+2%

Interest Rate12,13for Personal Integrated Account1 – Previous month’s total relationship balance < HKD 1million

HSBC's Best Lending Rate

+1.5%

HSBC's Best Lending Rate

+1.5%

HSBC's Best Lending Rate

+1.5%

HSBC's Best Lending Rate

+1.5%

HSBC's Best Lending Rate

+1.5%

HSBC's Best Lending Rate

+2.25%

HSBC's Best Lending Rate

+2.25%

HSBC's Best Lending Rate

+2.25%

HSBC's Best Lending Rate

+2.25%

Interest Rate12,13for Personal Integrated Account1 – Previous month’s total relationship balance >= HKD 1million

HSBC's Best Lending Rate

+1%

HSBC's Best Lending Rate

+1%

HSBC's Best Lending Rate

+1%

HSBC's Best Lending Rate

+1%

HSBC's Best Lending Rate

+1%

HSBC's Best Lending Rate

+2%

HSBC's Best Lending Rate

+2%

HSBC's Best Lending Rate

+2%

HSBC's Best Lending Rate

+2%

Interest rate

Interest rates on Secured Credit depend on the type of account held and the assets against which the credit is secured.

Available Assets held in your Integrated Account2,3,9,11

Loan Ratio (up to)10

Foreign Currency Time or Saving Deposits

90%

HKD Time Deposits4

100%

Deposit Plus4

70%

Structured Investment Deposits5

70%

Gold

70%

Bonds and Certificates of Deposit6

70%

Locally quoted Shares6,7

50%

Equity Linked Notes or Equity Linked Investment6

70%

Locally quoted Unit Trust6,8

70%

Available Assets held in your Integrated Account2,3,9,11

Interest Rate12,13for HSBC Premier

Foreign Currency Time or Saving Deposits

HSBC's Best Lending Rate

+1%

HKD Time Deposits4

HSBC's Best Lending Rate

+1%

Deposit Plus4

HSBC's Best Lending Rate

+1%

Structured Investment Deposits5

HSBC's Best Lending Rate

+1%

Gold

HSBC's Best Lending Rate

+1%

Bonds and Certificates of Deposit6

HSBC's Best Lending Rate

+2%

Locally quoted Shares6,7

HSBC's Best Lending Rate

+2%

Equity Linked Notes or Equity Linked Investment6

HSBC's Best Lending Rate

+2%

Locally quoted Unit Trust6,8

HSBC's Best Lending Rate

+2%

Available Assets held in your Integrated Account2,3,9,11

Interest Rates12,13(HSBC Advance) – Previous month’s total relationship balance < HKD 1million

Foreign Currency Time or Saving Deposits

HSBC's Best Lending Rate

+1.5%

HKD Time Deposits4

HSBC's Best Lending Rate

+1.5%

Deposit Plus4

HSBC's Best Lending Rate

+1.5%

Structured Investment Deposits5

HSBC's Best Lending Rate

+1.5%

Gold

HSBC's Best Lending Rate

+1.5%

Bonds and Certificates of Deposit6

HSBC's Best Lending Rate

+2.25%

Locally quoted Shares6,7

HSBC's Best Lending Rate

+2.25%

Equity Linked Notes or Equity Linked Investment6

HSBC's Best Lending Rate

+2.25%

Locally quoted Unit Trust6,8

HSBC's Best Lending Rate

+2.25%

Available Assets held in your Integrated Account2,3,9,11

Interest Rates12,13(HSBC Advance) – Previous month’s total relationship balance >= HKD 1million

Foreign Currency Time or Saving Deposits

HSBC's Best Lending Rate

+1%

HKD Time Deposits4

HSBC's Best Lending Rate

+1%

Deposit Plus4

HSBC's Best Lending Rate

+1%

Structured Investment Deposits5

HSBC's Best Lending Rate

+1%

Gold

HSBC's Best Lending Rate

+1%

Bonds and Certificates of Deposit6

HSBC's Best Lending Rate

+2%

Locally quoted Shares6,7

HSBC's Best Lending Rate

+2%

Equity Linked Notes or Equity Linked Investment6

HSBC's Best Lending Rate

+2%

Locally quoted Unit Trust6,8

HSBC's Best Lending Rate

+2%

Available Assets held in your Integrated Account2,3,9,11

Interest Rate12,13for Personal Integrated Account1 – Previous month’s total relationship balance < HKD 1million

Foreign Currency Time or Saving Deposits

HSBC's Best Lending Rate

+1.5%

HKD Time Deposits4

HSBC's Best Lending Rate

+1.5%

Deposit Plus4

HSBC's Best Lending Rate

+1.5%

Structured Investment Deposits5

HSBC's Best Lending Rate

+1.5%

Gold

HSBC's Best Lending Rate

+1.5%

Bonds and Certificates of Deposit6

HSBC's Best Lending Rate

+2.25%

Locally quoted Shares6,7

HSBC's Best Lending Rate

+2.25%

Equity Linked Notes or Equity Linked Investment6

HSBC's Best Lending Rate

+2.25%

Locally quoted Unit Trust6,8

HSBC's Best Lending Rate

+2.25%

Available Assets held in your Integrated Account2,3,9,11

Interest Rate12,13for Personal Integrated Account1 – Previous month’s total relationship balance >= HKD 1million

Foreign Currency Time or Saving Deposits

HSBC's Best Lending Rate

+1%

HKD Time Deposits4

HSBC's Best Lending Rate

+1%

Deposit Plus4

HSBC's Best Lending Rate

+1%

Structured Investment Deposits5

HSBC's Best Lending Rate

+1%

Gold

HSBC's Best Lending Rate

+1%

Bonds and Certificates of Deposit6

HSBC's Best Lending Rate

+2%

Locally quoted Shares6,7

HSBC's Best Lending Rate

+2%

Equity Linked Notes or Equity Linked Investment6

HSBC's Best Lending Rate

+2%

Locally quoted Unit Trust6,8

HSBC's Best Lending Rate

+2%

Related products

 

Access to credit whenever you need it, with preferential interest rates for added flexibility. Just for HSBC Premier account holders.

 

Get extra spending power, together with increased flexibility in managing your money. Just for HSBC Advance account holders.

 

Enjoy extra credit whenever you need it most, and greater spending and investment power.
 

 

Borrow money with a low interest rate and a high credit line, so you have flexibility when you need it.



"Personal Integrated Account" is also named as 'SmartVantage'; Personal Integrated Account and SmartVantage are used interchangeably in customer communications including account statement, bank forms / advices, internet banking platform etc.
2 Should your credit limit be secured by a combination of eligible assets attracting different interest rates, the Bank will first apply the lowest of these interest rates until the credit limit corresponding to this particular type of eligible assets has been utilised. Thereafter the next lowest interest rate will be applied, and so on. The security over the eligible assets in your Integrated Account as created under the Integrated Account Terms and Conditions will attach to the eligible assets in accordance with the aforesaid order of priority (i.e. eligible assets attracting the lowest interest rate will be attached first, followed by eligible assets attracting the next lowest interest rate and so on). Further, where there are more than one type of eligible assets in your Integrated Account which attract the same interest rate, the security will attach to the respective types of eligible assets in accordance with the order in which such eligible assets are listed in this table.
3 The eligibility and relative percentage of the value (credit-to-asset ratio) of the eligible assets listed for inclusion in the calculation of the available credit limit shall be as determined by the Bank from time to time. The Bank may at its discretion add or remove the eligible assets listed from such eligibility, or increase or reduce the eligible percentage of the value thereof without prior notice.
4 In the event that the eligible assets subject to the security under your Secured Credit Facility include your Hong Kong dollar time deposits/Deposit Plus (in Hong Kong dollars deposit currency) and the deposit interest rate applicable to such deposits plus 0.5% is higher than the debit interest rate specified above, the higher rate will be applied to your credit limit corresponding to such eligible assets for calculating interest.
5 Including but without limitation to Capital Protected Investment Deposits.
6 Locally quoted shares, locally quoted unit trusts, equity linked notes or equity linked investment and bonds and certificates of deposit are those deposited with the Bank in your Integrated Account whether or not registered in your name or in the name of any other person (including the Bank) as nominee.
7 Excluding warrants and derivatives.
8 Authorised by the Securities and Futures Commission.
9 If the pledged asset is in any currency other than HKD, valuation of the effective limit will be referenced to a rate of exchange selected at the Bank's sole discretion acting reasonably in good faith.
10 The Loan Ratio is subject to the Risk Rating level.
11 Assets pledged to the Bank subject to any other security, or subject to any court or other order may not be included in the effective limit calculations.
12 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).
13 The interest will be debited from the account on the 28th of each month. If the date falls on Sunday or public holiday, interest will be debited on the preceding working day.
14 Please note that we do not appoint any third parties to refer Secured Credit applications to us and will not process any application that was referred by a third party under beneficial arrangement. For enquiry, please call our hotline at 2233 3000.

(If there is any discrepancy between English and Chinese versions, the English version shall prevail.)