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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.

 Access secured credit of up to

 HKD5,000,000

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

Call for enquiry

HSBC Premier customers

(852) 2233 3322

HSBC Advance customers

(852) 2748 8333

HSBC Personal Integrated Account1 customers

(852) 2233 3000

Download a form to apply

  Secured Credit Application / Amendment /       Cancellation Form (Integrated Account)Opens in a new Window.

  Secured Credit Facility Key Facts Statement Opens in a new Window.


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


SELECT OPTION
Interest rates for different accounts, with different asset amounts
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 tap to change option
Loan Ratio (up to)10 90% 100% 70% 70% 70% 70% 50% 70% 70%
Interest Rate12,13 for HSBC Premier HSBC's Best Lending Rate
+1%
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
+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
+2%
Interest Rate12,13 for Personal Integrated Account1 – Previous month’s total relationship balance < HKD 1million HSBC's Best Lending Rate
+1.5%
HSBC's Best Lending Rate
+2.25%
Interest Rate12,13 for Personal Integrated Account1 – Previous month’s total relationship balance >= HKD 1million HSBC's Best Lending Rate
+1%
HSBC's Best Lending Rate
+2%


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


HSBC Premier Clean Credit

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

HSBC Advance Clean Credit

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

Personal Integrated Account1 Clean Credit

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

Personal Overdraft

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


Contact us

By phone

HSBC Premier customers call
(852) 2233 3322(852) 2233 3322

HSBC Advance customers call
(852) 2748 8333(852) 2748 8333

Personal Integrated Account1 customers call
(852) 2233 3000(852) 2233 3000

At an HSBC branch

Find your nearest branch

Tweet us

@HSBC_HK

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

Important information

Disclaimer Select to Expand Select to Collapse

1 "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.

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.