Wealth Management Solutions | HSBC Premier

HSBC HK
Premier
Wealth management

Dedicated wealth management services

Even if you don't have much time to spare in your busy schedule, it's still important to set aside time to fully understand your options when it comes to managing your wealth.

That's why our dedicated team of Premier Relationship Managers and wealth specialists are ready to meet you in person or through our digital or virtual channels – whatever works best for you.

Dedicated teams: Whether you’re looking for ways to achieve certain financial goals or build your ideal investment portfolio, our Premier Relationship Managers and wealth specialists have the tools and know-how to help you.
Digital and virtual access: Connect seamlessly with your Premier Relationship Manager through the 'Chat with Relationship Manager and team' feature on the HSBC HK Mobile Banking app or on Zoom – whatever you prefer.

Personalised wealth planning

Looking to understand more about how your portfolio stacks up and how to plug possible gaps or weakness in your asset class exposure and investment strategy?

Take full control of your portfolio on the go, supported by convenient analytical tools and banking platforms to help optimise your returns.

My Portfolio: Easily review your wealth holdings in one place digitally and track your investments over time. Access wealth education tools and explore investment ideas with the 'investors like me' feature.
Wealth Portfolio Intelligence Service (WPIS): Take a deep dive into how your unit trusts holdings are performing at a glance, with personalised analyses that allow you to manage risk and optimise your portfolio on the HSBC HK Mobile Banking app or together with your Premier Relationship Manager.
Foreign exchange (FX) on mobile: Capture foreign currency opportunities while placing FX time deposits conveniently and easily through our one-stop platform. What's more, you can enjoy a bonus deposit rate of +0.5% p.a.¹ on time deposit rates, on the HSBC HK Mobile Banking app. T&Cs apply.
HSBC Top Trader Club: Earn great time deposit rates on your cash when you invest in stock through our loyalty trading programme. Enjoy brokerage fees as low as 0.01% and 4% p.a. preferential rates for a 1-month HKD time deposit with just 1 stock trade per month. T&Cs apply.

Investment involves risk. Please refer to the Important Risk Warning and Risk Disclosure in Terms and Conditions of respective products and services.

Wealth lending services

It isn't enough to build the best portfolio – you need to optimise your leverage and strike a fine balance between maximising gains and maintaining liquidity.

Never miss out on the potential for higher returns and gains with the right asset leverage. Plus, get flexible insurance coverage for your loved ones.

Unit trusts investment financing: Capitalise on timely market opportunities with greater investment flexibility, made possible by leveraging your unit trusts holdings with preferential rates in both HKD and USD. Apply for free, with no additional charges.
Insurance Premium financing: With the flexibility to pay part of your new insurance premium with a fixed term loan, you can enjoy the best of both worlds – having the insurance coverage that matches your needs, while keeping funds on hand for liquidity and capitalising on emerging opportunities.

Investment involves risk. Please refer to the Important Risk Warning and Risk Disclosure in Terms and Conditions of respective products and services.

To borrow or not to borrow, borrow only if you can repay.

Passing on the wealth

With your children growing up quickly, it won't be long before they're in charge of their own finances.

Give them a head start with the right financial management tools while addressing your own concerns as a parent that their benefits and welfare will be well taken care of through proper fund management.

HSBC Mastercard^® Supplementary Debit Card: Exchange foreign currencies in your account for your children's spending needs, even from miles away. They can use the funds directly with the card while you're in full control of how much they can spend.
Premier Junior Pack and Premier for Next Generation account: Let your children be the ones in charge of their finances with their own HSBC Premier accounts, while enjoying the same exclusive Premier privileges and benefits you do.
Probate bypass trust: Enjoy added peace of mind by making sure that your children are provided for in any event, with full control over assets held during your lifetime and a designated Contingent Trustee to take care of your child otherwise.

Insights and products

Make your money work harder by taking advantage of the wide variety of investment and insurance products, all in one place.

We'll also help you keep abreast of relevant market development and investment implications with personalised wealth insights.

FX order watch trading services: Foreign currency trading made convenient with automatic fund conversion or alerts set for your target exchange rate.
Wealth insights hub: Make informed investment decisions based on insights focusing on macro economy and market trends, alongside Horizon, our monthly investment bulletin.
Funds² and structured products³: Offering a wide range of investment opportunities to suit your appetite.
Structured products with a broad suite of assets: Never miss a chance to capture market trends more effectively and tailor your own investment.

Investment involves risk. Please refer to the Important Risk Warning and Risk Disclosure in Terms and Conditions of respective products and services.

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Learn how Wealth Portfolio Intelligence Service offers Fish to optimise her portfolio and understand relevant investment risks comprehensively, which helps her stay ahead of wealth management, and thrive to be part of the #NewMiddleClassGeneration.

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Existing customers

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New customers

Open an HSBC Premier account in less than 5mins with our Mobile Banking app⁴

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Offline applications for all customers

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Find your nearest branch links to branch-finder.html page

Apply by phone

(852) 2233 3377

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
Minimum total relationship balance refers to the rolling average for the previous three months

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.

Important information

Welcome pack [PDF] This link will open in a new window

Points to note for account application [PDF] This link will open in a new window

FAQs

Summary of key terms [PDF] This link will open in a new window

Integrated Account terms and conditions [PDF] This link will open in a new window

Fees and charges

The +0.5% p.a. bonus is valid until the end of March 2022 only and is subject to our approval.
Unit Trusts are investment products and some of them may involve derivatives. The investment decision is yours but you should not invest in the Unit Trusts unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Unit Trusts are NOT equivalent to time deposits.
Structured Products involve derivatives. The investment decision is yours but you should not invest in structured products unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
Applicable to permanent residents aged 18-65 residing in Hong Kong who do not hold any HSBC bank/ investment accounts or credit cards currently. If you fall outside this criteria, you can apply in a branch or by phone.
For new customers, just bring your identification document and a recent proof of address. Please visit https://www.hsbc.com.hk/docs/premier/application-notes.pdf for details of account opening required documents. For existing customers upgrading to a Premier account, you don't need to bring an identification document or a proof of address when applying in branch. You can set up HSBC Premier Junior Pack and Premier for Next Generation accounts for your children, and create an investment account when you apply in branch.

Currency conversion risk - The value of your foreign currency and RMB deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency and RMB deposit to other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversion to that foreign currency and RMB, you may suffer loss in principal.

Personalised wealth growth

Join HSBC Premier to get up to HKD44,300 in welcome rewards. T&Cs apply.

Dedicated wealth management services

Learn more

Personalised wealth planning

Learn more

Wealth lending services

Learn more

Passing on the wealth

Learn more

Insights and products

Learn more

Join HSBC Premier today

Existing customers

New customers

Offline applications for all customers

Apply in branch5

Apply by phone

Eligibility criteria

Important information

Remarks

Risk Disclosure

Apply in branch⁵