Structured Products Offer
- During promotional period*, new Structured Products customers^ can enjoy the following:
- enjoy HKD1,250 cash rebate for every subscription of any Equity Linked Investment or any Private Placement Note# with amount HKD500,000 or equivalent in other currencies;
- enjoy HKD160 cash rebate for every subscription of any Capital Protected Investment Deposit or any Deposit Plus with amount of HKD200,000 or equivalent in other currencies.
- There is NO CAP to the cash rebate earned during promotional period.
Note:
* Promotional period is from now to 30 June 2022
^ No holding or transactions of Structured Products between 1 October 2021 and 31 March 2022
# Private Placement Note is only eligible to HSBC Jade Professional Investors
Capture wealth opportunities while serving your currency needs
Deposit plus offers you the opportunity to generate potential higher interest return than normal time deposit and chances to exchange to 11 major currencies at your pre-defined exchange rate. Starting from only HKD5,000 (or its equivalent in other currencies), Deposit Plus is a great investment tool to enhance your potential return and fulfill your FX needs.
Going to travel somewhere abroad
Paying for your children's overseas education tuition fees
Planning to make investments in a foreign country
Key benefits
Generate interest and capture chance to increase potential return, enhanced income even when the FX market is stagnant
Chance to exchange your preferred currency at your pre-defined rate better than the initial rate1
Flexible choice of currency pairs with investment tenors as short as one week
No FX exchange spread
How to trade?
You can also set up Deposit Plus through the HSBC HK App, start now.
Don't have an HSBC investment account?
Need help?
By phone
Looking for ideas?
Whether you are just starting out, or you are looking for a new opportunity, check out the top 5 currency pairs to get some investment ideas.
How does Deposit Plus work
Understanding how Deposit Plus works does not need to be complicated at all. Here is an illustrative example for you to understand how you capture growth opportunities with the products.
Illustrative example
For example, John is planning a trip to Australia in next 2 weeks and would like to exchange for some AUD.
He thinks AUD/HKD will remain stable in the coming week.
AUD/HKD Spot Rate: 5.2228
If John decides to exchange now
He will pay HKD10,000 to exchange for AUD1,914.68
| Deposit Currency | Linked Currency | Tenor | Spot rate (AUD / HKD) | Conversion rate (AUD / HKD) | Interest Rate |
|---|---|---|---|---|---|
| HKD | AUD | 14 days | 5.2228 | 5.2209 | 6.50% p.a. |
| Deposit Currency | HKD |
|---|---|
| Linked Currency | AUD |
| Tenor | 14 days |
| Spot rate (AUD / HKD) | 5.2228 |
| Conversion rate (AUD / HKD) | 5.2209 |
| Interest Rate |
6.50% p.a. |
AUD appreciates against HKD at/above conversion rates
- John received interest and principal in deposit currency (HKD)
- Principal – HKD10,000
- 6.50% p.a. interest income – HKD24.93
- Exchange with spot rate at fixing day, receive total of AUD1,919.38
Scenario 1 : AUD appreciates against HKD
Scenario 2 : AUD dropped against HKD slightly
Scenario 3 : AUD dropped against HKD considerably
In the worst case scenario, you will receive return in the linked currency the value of which may be worth substantially less than the original amount you invested (and in the extreme case could be worth nothing).
After John returns from Australia, he has some idle AUD. Instead of converting back to home currency immediately, he decides to capture the opportunity to increase potential return with Deposit Plus. Watch the video below to learn more:
Fees
In general, there is no additional charges on investing Structured Products, all operational, administrative and hedging costs, etc have already been contained and subsumed within the calculation of the return and/or other variables of the product.