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Enhanced Yield Investment – Structured Deposit Product

Enhanced Yield Investment is a structured deposit product with floating returns. By linking to the performance of foreign exchange rates, this offers the potential to earn a higher return, as well as meet your foreign currency investment needs. This product is 100% capital protected at maturity. 

The product is launched by HSBC Bank (China).

Key features

  • Flexible investment tenors

    Choose a suitable investment tenor from one to 12 months, whichever suits your needs best.

  • Wide selection of currencies

    You can choose one investment currency and one linked currency. Participating currencies include CNY,USD, HKD, AUD, CAD, EUR, GBP, JPY, CHF, NZD, and SGD.

  • 100% principal protected at maturity

    Enhanced Yield Investment is a structured deposit product with 100% capital protected at maturity.

No early redemption is allowed for this structured deposit product.
Structured deposit is not equal to normal deposit. Please be aware of the risks associated with the product and make prudent investment decisions.

By phone

HSBC Premier customers

HSBC Advance customers

Other customers

400-820-3090

Please dial the country code of mainland China +86 if you are calling from overseas, Hong Kong SAR, Macau SAR, or Taiwan

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Enhanced Yield Investment – Structured Deposit Product - Product Risk Level: 1 (Low)

An Enhanced Yield Investment – Structured Deposit Product is likely to be suitable for investor who satisfies all the following conditions:

  1. the investor’s risk tolerance level is “Cautious” or above;
  2. the investor has the relevant knowledge and/or experience of structured investment product; and
  3. the investor agrees to take related terms and investment risks of this investment product.

How the product works

Applicable to non-CNY as Investment currency
 
  • You can choose the suitable investment tenor within the range of 1 month to 1 year.
  • You can choose an investment currency which can be USD, HKD, AUD, CAD, EUR, GBP, JPY, SGD, CHF, and NZD.
  • You can choose the Underlying Currency Pair. The investment currency must be either the Base Currency or the Quoted Currency of the Underlying Currency Pair.
  • You can choose either Call or Put on the Underlying Currency Pair and the preferred Trigger-Out Rate on the Trade Date based on prevailing currency market conditions and your views on the currency market 
  • You are entitled to a cooling-off period for transaction of this product. It begins with your submission of subscription application and expire at 16:00 pm Beijing time on the next working day. Within the cooling-off Period, you can withdraw the subscription application.
 
The bank observes the market rate at Fixing Time on Fixing Date (i.e. the Fixing Rate):
  • The principal and potential coupon will be paid in the Investment Currency at maturity, if the Trigger-out Event occurs
  • Only the 100% principal will be paid in the Investment Currency at maturity if the Trigger-out Event does not occur.

 

Applicable to CNY as Investment currency

  • You can choose the suitable investment tenor within the range of 1 month to 1 year.
  • You use CNY as investment currency 
  • You can choose the Underlying Currency Pair. The Underlying Currency pair must be non-CNY currency.
  • You can choose minimum coupon rate or not.
  • You can choose either Call or Put on the Underlying Currency Pair and the preferred Trigger-out Rate on the Trade Date based on prevailing currency market conditions and your views on the currency market. 
  • You are entitled to a cooling-off period for transaction of this product. It begins with your submission of subscription application and expire at 16:00 pm Beijing time on the next working day. Within the cooling-off Period, you can withdraw the subscription application.

 

The Bank observes the market rate at Fixing Time on Fixing Date (i.e. the Fixing Rate) :

  • The principal and potential coupon will be paid in the Investment Currency(CNY) at maturity, if the Trigger-out Event occurs; 
  • The principal and minimum coupon (if you have chosen a minimum coupon rate), or the principal(if you haven’t  chosen any minimum coupon rateapplicable) will be paid in the Investment Currency(CNY) at maturity, if the Trigger-out Event does not occur.

We will provide you the following on product and trade information.

  • Enhanced Yield Investment – Structured Deposit Product Confirmation Advice and product launch notice: Confirmation advice and product launch notice is provided by the Bank after this product is traded successfully. The content includes Trade Date, Fixing Date, Maturity Date, Investment Amount, Investment Currency, Linked Currency, Potential Coupon Rate, Trigger-out Rate, Minimum Coupon Rate(if applicable), and Account Information etc.
  • Enhanced Yield Investment – Structured Deposit Product Maturity Advice: Maturity Advice is provided by the bank after the produc is matured, the advice includes account information, fixing rate, maturity amount etc.
  • Composite Statement: Composite Statement is regularly provided on Online Banking (provided that the customer has registered the same) or by mail according to your request. The content includes Sturctured Deposit account information, investment amount, trade date, maturity date, etc.
  • Material Event Report and Adhoc Information Disclosure: Apart from the above documents, Material Event Report , and Adhoc Information Disclosure are provided through the Bank’s official website and Mobile Banking.

You may also contact your Relationship Manager or call our wealth management hotlines for any inquiry.

We reserve the right to add, delete or modify the above information disclosure document(s) and/or related disclosure channels and manners from time to time.

Basic information of on-shelf and outstanding Enhanced Yield Investment – Structured Deposit Product

Issuer Product name
Product type
Currency
Investment period
Product Risk Level
HSBC(China) Enhanced Yield Investment – Structured Deposit Product
Structured deposit product
CNY,USD, HKD, AUD, AUD, CAD, EUR, GBP, JPY, CHF, NZD, and SGD (quotation for some currency might not be available due to market reason)
ranging from one month to one year
1(Low)

Basic information of on-shelf and outstanding Enhanced Yield Investment – Structured Deposit Product

Issuer HSBC(China)
Product name
Enhanced Yield Investment – Structured Deposit Product
Product type
Structured deposit product
Currency
CNY,USD, HKD, AUD, AUD, CAD, EUR, GBP, JPY, CHF, NZD, and SGD (quotation for some currency might not be available due to market reason)
Investment period
ranging from one month to one year
Product Risk Level 1(Low)

You can also find detailed Historical product information on "China Wealth" website.

The historical fixing rate will be updated biweekly, and this information is only for a reference and does not represent recommendation from HSBC for customer to buy or sell based on the information provided. Customer should not rely on the information expressed in this document solely to make investment decisions.

Fee

It depends on the stipulation of the product contract.

A Dual Currency Investment is a structured deposit product. By linking to the performance of foreign exchange rates, it offers the opportunities to earn a potential return, as well as meet your foreign currency investment needs. This structured deposit product is a non-capital protected investment product with floating returns.

We offer range of services to meet your foreign exchange needs in a faster and more convenient way.

HSBC Structured Deposits are usually linked to financial assets such as equities, indices, foreign exchange rates or securities. The potential return of structured deposit products is determined by the performance of the linked financial assets, product portofolio and detailed terms and conditions. Please note that the potential return of the Structured deposit is not a 100% reflecton of the actual performance of the underlying assets.

Product selection is designed to meet your investment goals and risk appetite, providing you with opportunities to earn potential returns and enhance your wealth potential.

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How to invest

 
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Visit any of our HSBC branches with your valid ID card to register for this service.

Opening hours: Monday-Friday, 9:30am-4:00pm (some branches may provide limited weekend service)

By phone

For general inquiry (RBWM only)

400-820-3090

Please dial the country code of mainland China +86 if you are calling from overseas, Hong Kong SAR, Macau SAR, or Taiwan

Frequently asked questions

There is no contractual value in this page and the information above is not and should not be regarded as an offer to sell or a solicitation for an offer to buy any financial product, and should not be considered as investment advice. 

The above information is only a brief introduction of the product(s). If you are interested to know more about this product, please contact the Bank and carefully read the product description pack. In the event of any discrepancy, the terms and conditions associated with each product shall prevail. 

In the worst scenario, you will have no return for the entire tenor.

Structured Deposit Product is not normal deposit, but rather is a product which involves investment risks. You should act prudently in making the investment decision.

  • Return and Principal Risk: Unlike normal deposit, Enhanced Yield Investment is a product with investment risks. Your return may float and you may even receive zero return for the whole investment tenor. 
  • No Early Redemption by Investors: You are not allowed to redeem all or part of the Enhanced Yield Investment prior to maturity (inclusive). Please ensure you have made adequate provision for emergency cash needs.
  • Foreign Exchange Risk: If the investment currency is not your base currency, and you choose to convert your base currency into the investment currency, or/and you need to convert the investment amount and potential returns(if any) into your base currency at maturity, your investment result could be affected negatively or positively due to exchange fluctuations.

For further risk information please refer to Product Subscription Pack.