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Investment Financing

Our Unit Trusts Investment Financing allows you to leverage your initial investment within a wide selection of unit trusts. The ability to leverage your investments gives you the potential for maximal yields and returns.

Don't let great investment opportunities slip by. Grow your wealth and enjoy higher yields with the capital you have on hand, with minimum investment requirements as low as HKD10,000 (or equivalent).

Enjoy 0.75% p.a. cash rebate by utilising Investment Financing in HKD financing account

Limited-time offer: Utilise your approved Investment Financing facility to purchase unit trust with your HKD financing account and maintain your loan balance until 31 December 2024 to enjoy our Investment Financing cash rebate offer 1 .

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

Features and benefits

  • Higher potential yields and returns
    Potential for higher yields and gains from investment with leverage
  • Greater investment flexibility
    Take advantage of timely market opportunities with additional purchasing power using leverage. Once you've opened and funded your Investment Financing account, you'll have access to a loan facility with no additional approval required.
  • Wide range of eligible investment products
    A broad selection of unit trusts denominated in HKD and USD, designed to meet income and yield enhancement objectives, including open-end funds such as equity dividend, fixed income, and income driven multi-asset funds. See our List of Eligible Unit Trusts for Investment Financing here [PDF, 999KB].
  • Competitive interest rates2
    Lower borrowing costs allow you to profit from interest differentials when you make high-interest investments. See our current pricing information here [PDF, 337KB].
  • No additional fees or charges3
    Free and easy application at no extra cost

Here's how they work

Let's say you have HKD1,000,000 and you want to purchase an eligible Unit Trusts Investment Financing fund with a Margin Ratio of 60%. 

You can leverage your initial investment to receive an additional investment loan of HKD1,500,000, giving you a total of HKD2,500,000 to use for this investment. 

Unit Trusts Investment Financing Settlement Account with cash holdings
Existing cash balance
HKD1,000,000
Unit Trusts Investment Financing Settlement Account with cash holdings
Existing cash balance
 HKD1,000,000

Purchase an eligible unit trusts fund with a Margin Ratio of 60%
Maximum amount of eligible investment products to be subscribed for:
 Credit limit generated from this transaction
 Possible Investment Loan amount
HKD2,500,000 (HKD1,000,000 / (1-60%))
 HKD1,500,000(HKD2,500,000 x 60%)
 HKD1,500,000

Purchase an eligible unit trusts fund with a Margin Ratio of 60%
Maximum amount of eligible investment products to be subscribed for:
 HKD2,500,000 (HKD1,000,000 / (1-60%))
Credit limit generated from this transaction
 HKD1,500,000(HKD2,500,000 x 60%)
Possible Investment Loan amount
 HKD1,500,000

Contact your Premier Elite Director or Premier Relationship Manager to enjoy superior financial flexibility with our Investment Financing loan.4

Upgrade your banking experience. Join HSBC Premier Elite or Premier today

Book an appointment

To help us better understand your needs, simply arrange an appointment with us.

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Call us

We'll answer any queries you might have through a phone call. 

Need further information?

Are you eligible?

To apply, you need to be:

  • an HSBC Premier Elite  / Premier customer

HSBC Premier Elite / HSBC Premier eligibility requirements 

Discover more about what HSBC Premier Elite can do for you

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Time deposits

 

Discover more about what HSBC Premier Elite can do for you

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Preferential pricing

 

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

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Dedicated bonds services

 

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

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HSBC Investment Outlook

 

Stay in the know about the latest market movements with insights and house views from our wealth experts

Notes

  1. Terms and Conditions for HSBC's Investment Financing Cash Rebate Promotion apply. HSBC's Best Lending Rate as of 3 May 2024 is 5.875% and Investment Financing pricing before cash rebate is HSBC's - 0.25 After cash rebate of 0.75% p.a. Investment Financing pricing is HSBC's Best Lending Rate -1% p.a.. You can check our latest HKD Best Lending Rate from our HSBC website, choose 'Investing' from the top menu, select "Our HK dollar best lending rate" under Quick Links.
  2. The interest rate offered depends on the Best Lending Rate (BLR), which is the prevailing rate quoted by us, and may change from time to time.
  3. Fees and charges will be applied as established in the corresponding policy of the eligible unit trusts products defined for HSBC Premier Elite and Premier clients.
  4. This service is subject to customer needs and appropriate assessment(s). This service is only available to clients holding a valid and appropriate Risk Profiling Questionnaire. In the worst case scenario with Investment Financing, it could expose you to significant losses; you may incur losses in excess of your own initial funds and your investment, and you may be required to repay the Investment Loans in full.
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