Investment Financing

HSBC HK
Wealth Financing
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).

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 rates¹

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 charges²

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

¹The 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.

²Fees and charges will be applied as established in the corresponding policy of the eligible unit trusts products defined for HSBC Jade and Premier clients.

³This 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.

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

Contact your Jade Director or Premier Relationship Manager to enjoy superior financial flexibility with our Investment Financing loan.³

Upgrade your banking experience. Join HSBC Jade 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.

HSBC Jade Dedicated Service Line: (852) 2233 3033
HSBC Premier dedicated hotline: (852) 2233 3322

Need further information?

Are you eligible?

To apply, you need to be:

an HSBC Jade / Premier customer

You are eligible for HSBC Jade if you maintain a Total Relationship Balance (TRB) of at least HKD7.8 million with us in Hong Kong, and eligible for HSBC Premier if you maintain a TRB of at least HKD1 million with us in Hong Kong. (A Below Balance Fee of HKD380 per month will be applied if your TRB falls below HKD1 million.)

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 component*
HSBC MPF balances and HSBC ORSO Defined Contribution Scheme balances which are administered by The Hongkong and Shanghai Banking Corporation Limited
Minimum total relationship balance refers to the rolling average for the previous three months.

* For 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.