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Personal Large-Denomination Certificates of Deposit

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 Apply
How 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 (01st Session)_1M
R202101060010001
RMB RMB200K
1month 1.50%
06/Jan/2021 – 29/Jan/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (02nd Session)_1M
R202101060010002
RMB
RMB500K
1month
1.60%
06/Jan/2021 – 29/Jan/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (03rd Session)_3M
R202101060030001
RMB RMB200K
3months
1.60%
06/Jan/2021 – 29/Jan/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (04th Session)_3M
R202101060030002
RMB RMB500K
3months
1.70%
06/Jan/2021 – 29/Jan/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (05th Session)_6M R202101060060001
RMB RMB200K
6months
1.90%
06/Jan/2021 – 29/Jan/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (06th Session)_6M
R202101060060002
RMB RMB500K
6months
2.00%
06/Jan/2021 – 29/Jan/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (07th Session)_12M
R202101060120001
RMB
RMB200K
12months
2.15%
06/Jan/2021 – 29/Jan/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (08th Session)_12M
R202101060120002
RMB
RMB500K
12months
2.25%
06/Jan/2021 – 29/Jan/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (09th Session)_12M
R202101060120003
RMB RMB1M
12months
2.325%
06/Jan/2021 – 29/Jan/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (10th Session)_24M
R202101060240001
RMB
RMB200K
24months
2.90%
06/Jan/2021 – 29/Jan/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (11th Session)_24M
R202101060240002
RMB
RMB500K
24months
3.10%
06/Jan/2021 – 29/Jan/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (12th Session)_24M
R202101060240003
RMB RMB1M
24months
3.20%
06/Jan/2021 – 29/Jan/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (13th Session)_36M
R202101060360001
RMB
RMB200K
36months
3.50%
06/Jan/2021 – 29/Jan/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (14th Session)_36M
R202101060360002
RMB
RMB500K
36months
3.80%
06/Jan/2021 – 29/Jan/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (15th Session)_36M
R202101060360003
RMB
RMB1M
36months
3.85%
06/Jan/2021 – 29/Jan/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (16th Session)_36M (*Jade New Fund)
R202101060360004
RMB
RMB500K
36months
3.90%
06/Jan/2021 – 29/Jan/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (17th Session)_36M (*Jade Upgrade New Fund) R202101060360005
RMB
RMB1M
36months
4.00%
06/Jan/2021 – 29/Jan/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (18th Session)_36M (*Jade NTB New Fund)
R202101060360006
RMB RMB1M
36months
4.10%
06/Jan/2021 – 29/Jan/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (19th Session)_60M
R202101060600001
RMB
RMB200K
60months
3.60%
06/Jan/2021 – 29/Jan/2021
Details
2021 HSBC Personal Large-denomination Certificates of Deposit (20th Session)_60M
R202101060600002
RMB
RMB500K
60months
3.90%
06/Jan/2021 – 29/Jan/2021
Details

*“New fund” means a deposit of funds from outside of HSBC into an Eligible Account, based on the account balance in 30 Nov 2020.

*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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Frequently asked questions