HSBC Premier

What do I need to be eligible?

• You qualify for HSBC Premier if you maintain a Total Relationship Balance of HKD1,000,000 or more.
• Should your Total Relationship Balance drop below HKD1,000,000, a Below Balance Fee will be applied, based on your average Total Relationship Balance over the last 3 months.
  
  

Total Relationship Balance (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 component¹
• HSBC MPF balances and HSBC ORSO Defined Contribution Scheme balances which are administered by HSBC Life (International) Limited
  
  ^{1For 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.

Below balance Fee

• Total Relationship Balance is HKD1,000,000 or above: Free
• Total Relationship Balance is less than HKD1,000,000: HKD380 per month
  
  ^{Note: The below balance fee is based on your average Total Relationship Balance over the past 3 months and applies to each Integrated Account held by you.}
  

^AApplicable to HSBC Premier and HSBC Advance customers upon application.

^BTerms and conditions apply to the designated hotel stay offers. For details, please click here. 

^CTerms and conditions apply to the designated hotel stay offers. For details, please click here.

^DTerms and conditions apply to the Michelin restaurant and designated hotel stay offers. For details, please click here. 

^ETerms and conditions apply to the limousine service offers. For details, please click here.

^FNew HSBC Premier customers and new HSBC Advance customers can enjoy initial charge as low as 1% and 1.5% respectively for open-end funds. The offer is applicable to the first lump sum subscription order within six months after opening the new integrated accounts. Terms and conditions apply.

^GExcludes Bonham Road, Cheung Chau, Discovery Bay, Peng Chau, Silvermine Bay, the University of Hong Kong, Yung Shue Wan, Cathay Bay City and Sky Plaza. Services of Priority Counter Services will be updated from time to time. Please visit the HSBC website for the branch and Express Banking locations.

^HMinimum total relationship balance refers to the rolling average for the previous three months.

^IThe monthly below balance fee applies to each Integrated Account held by the customer.