Personal Large-Denomination Certificates of Deposit (CDs) refer to RMB-denominated book-entry large-denomination deposit vouchers issued electronically by HSBC China to an individual customer. CDs adopt standard terms and a minimum deposit amount, while the interest rate for the issue of CDs is determined by a market-oriented method.
Key features
Minimum balance requirement of RMB200,000
Multiple tenors available. For details, please refer to the latest notice of Issuance of CDs
Competitive interest rate
Guaranteed principal and interest returns
How to ApplyHow to Apply
HSBC Premier customers
HSBC Advance customers
Other customers
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CDs refer to RMB-denominated book-entry large-denomination deposit vouchers issued electronically by HSBC China to individual customers.
CDs adopt standard terms and minimum deposit amounts, while the interest rate for the issue of CDs is determined by a market-oriented method.
Subject to regulations issued by the People's Bank of China (PBoC). CDs are a financial product in the category of general deposits, which falls within the area of deposit insurance. The minimum deposit amount for an individual subscription is RMB200,000.
Product features
- Competitive returns: More competitive interest rates than Time Deposits with the same tenor and equivalent amount
- High liquidity: Whole or partial withdrawal allowed before maturity subject to General Terms and Conditions
- High security: Guaranteed principal and interest returns
Product subscription
CDs are issued electronically. To subscribe to the product, you have to fill out a Personal Large-Denomination Certificate of Deposit Application Form and submit it to any HSBC branch or sub-branch.
Before signing the contract, please read the 'General Terms and Conditions of CDs' and 'CDs Fact Sheet'.
| Product name | Serial No |
Currency |
Minimum deposit amount |
Tenor |
Interest rate |
Issuance period | |
|---|---|---|---|---|---|---|---|
| 2021 HSBC Personal Large-denomination Certificates of Deposit (164th Session)_1M |
R202108020010001 |
RMB |
RMB200K |
1month |
1.10% |
02/Aug/2021 – 31/Aug/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (165th Session)_3M |
R202108020030001 |
RMB | RMB200K |
3months |
1.55% |
02/Aug/2021 – 31/Aug/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (166th Session)_3M |
R202108020030002 |
RMB | RMB500K |
3months |
1.65% |
02/Aug/2021 – 31/Aug/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (167th Session)_6M | R202108020060001 |
RMB | RMB200K |
6months |
1.85% |
02/Aug/2021 – 31/Aug/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (168th Session)_6M |
R202108020060002 |
RMB | RMB500K |
6months |
1.95% |
02/Aug/2021 – 31/Aug/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (169th Session)_12M |
R202108020120001 |
RMB |
RMB200K |
12months |
2.10% |
02/Aug/2021 – 31/Aug/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (170th Session)_12M |
R202108020120002 |
RMB |
RMB500K |
12months |
2.20% |
02/Aug/2021 – 31/Aug/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (171st Session)_12M |
R202108020120003 |
RMB | RMB700K |
12months |
2.30% |
02/Aug/2021 – 31/Aug/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (172nd Session)_24M |
R202108020240001 |
RMB |
RMB200K |
24months |
2.80% |
02/Aug/2021 – 31/Aug/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (173rd Session)_24M |
R202108020240002 |
RMB |
RMB500K |
24months |
2.90% |
02/Aug/2021 – 31/Aug/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (174th Session)_36M |
R202108020360001 |
RMB | RMB200K |
36months |
3.30% |
02/Aug/2021 – 31/Aug/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (175th Session)_36M |
R202108020360002 |
RMB |
RMB500K |
36months |
3.45% |
02/Aug/2021 – 31/Aug/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (176th Session)_36M |
R202108020360003 |
RMB |
RMB700K |
36months |
3.55% |
02/Aug/2021 – 31/Aug/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (177th Session)_60M |
R202108020600001 |
RMB |
RMB200K |
60months |
3.45% |
02/Aug/2021 – 31/Aug/2021 |
Details |
| 2021 HSBC Personal Large-denomination Certificates of Deposit (178th Session)_60M |
R202108020600002 |
RMB |
RMB500K |
60months |
3.55% |
02/Aug/2021 – 31/Aug/2021 |
Details |
*For definition and services of Jade Customer, please refer to Explore Jade, you can also Contact HSBC or talk with your Relationship Manager.
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