Structured Deposits | HSBC China

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Structured Deposits

check structured products on shelf here; image used for HSBC structured product page

Structured Deposit on shelf (in Chinese only)

Unlike traditional deposits, Structured Deposits have an investment element. You should act prudently in making the investment decision. Please refer to the Structured Deposits
Subscription Document for related capital and return risk.

Log on to Strategic Retail Brokerage Platform - Structured Deposits This link will open in a new window

graphic of product performance; image used for HSBC structured products page

Key benefits of HSBC Structured Deposits

Global coverage of product underlyings
Diversified product payoffs
Different capital protection levels
Convenient subscription channel
Tailor-made solution

HSBC Structured Deposits are linked to securities, ETFs, indices, funds, Gold ETFs and/or other financial assets in global markets such as the US, Europe and Asia, with diversified market view (bullish, bearish, and fluctuation), and 90% - 100% capital protection at maturity. You can place order via branch, online banking or mobile banking, or tailor your own product according to your own risk profile, market view and preference.

finger point at digital globe; image used for HSBC structured product page

Online trading platform

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HSBC Structured Deposits - Strategic Retail Brokerage Platform (SRBP)
Convenient to use, and easy to place order.
SRBP - Structured Deposits online tailor-made solution
HSBC China provide tailor-made solution for Structured Deposits. Via digital channel, you can freely create your own product by choosing product payoff, underlying, and parameters based on your own risk profile, market view and preference.
The system will provide quotes and scenario analysis immediately, and product will be trade one day after order placement.

How to use HSBC Structured Deposits online platform?

Structured Deposits - Strategic Retail Brokerage Platform (SRBP) (in Chinese only)

SRBP - Structured Deposits online tailor-made solution (in Chinese only)

The content of this video is for illustration purpose, which is provided for your reference only, and is not intended to provide any investment advices. Related information might be updated according to laws and regulations or the Bank’s own discretion from time to time. The Bank will not have a separate announcement thereof.

You should choose products after assessing your risk tolerance level.

You need to complete your first transaction at one of our branches, before you can begin any online transaction of partially capital protected Structured Deposits.

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

Opening hours: Monday-Friday, 9:00am - 5:00pm (some branches may provide limited weekend service)

This Structured Deposit is available all year round. The trade date should be a business day in mainland China, Hong Kong SAR and the principal banking centre of the country of issuance of the Investment Currency (including dealings in foreign exchange and foreign currency deposits).

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Scan QR code to download HSBC China Mobile Banking APP

QR code on HSBC China Mobile Banking APP

Contact us

General enquiry on personal financial related service

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

Relevant information for Structured Deposits

This product is a structured deposit which is embedded with derivatives. It’s linked to specific underlying assets, which enables depositors to obtain relevant returns (if any) while taking certain risks.

The funds raised by the product will be centrally managed by the Bank, in accordance with the principle of separation management of deposits and derivative transactions. The principal amount is centrally managed by the Bank internally. The derivatives embedded in the product are invested in the relevant derivative market of the reference underlying, and the final performance of the product is linked to the derivatives component.

You should understand that investment in this product is not the same as an investment in the underlying, and the return of the product does not represent 100% participation in the performance of the underlying. You will not be entitled to any rights related to the underlying.

Remark:

Include loss scenario.
You may suffer principal loss subjective to specific payoff selected.

* The above diagram only roughly illustrates the overall mechanism of the product and is for your reference only. The agreement made between you and the bank shall prevail in terms of the return (if any) you can actually gain from investing in structured deposit and the capital protection level.

Risk rating and risk level of available products
_{Product risk rating:Ranges from 1 (low risk) to 5 (very high risk)}
Risk rating	Risk level of available products
Conservative	N/A
Cautious	<=1
Stable	<=2
Balanced	<=3
Adventurous	<=4
Speculative	<=5

Risk rating and risk level of available products
_{Product risk rating:Ranges from 1 (low risk) to 5 (very high risk)}
Risk rating	Conservative
Risk level of available products	N/A

Risk rating	Cautious
Risk level of available products	<=1

Risk rating	Stable
Risk level of available products	<=2

Risk rating	Balanced
Risk level of available products	<=3

Risk rating	Adventurous
Risk level of available products	<=4

Risk rating	Speculative
Risk level of available products	<=5

Remark:

Include loss scenario.
You may suffer principal loss subjective to specific payoff selected.

Risk rating and risk level of available products
_{Product risk rating:Ranges from 1 (low risk) to 5 (very high risk)}
Risk rating	Risk level of available products
Conservative	N/A
Cautious	<=1
Stable	<=2
Balanced	<=3
Adventurous	<=4
Speculative	<=5

Risk rating and risk level of available products
_{Product risk rating:Ranges from 1 (low risk) to 5 (very high risk)}
Risk rating	Conservative
Risk level of available products	N/A

Risk rating	Cautious
Risk level of available products	<=1

Risk rating	Stable
Risk level of available products	<=2

Risk rating	Balanced
Risk level of available products	<=3

Risk rating	Adventurous
Risk level of available products	<=4

Risk rating	Speculative
Risk level of available products	<=5

The major risks of purchasing a Structured Deposits include: principal risk, return risk, early redemption risk and foreign exchange risk.

Principal risk and return risks
Structured Deposits are NOT equivalent to a traditional deposit. They involve derivatives and therefore returns are not guaranteed. In the worst scenario, the investor may only get back the protected part of the principal as stipulated by the product subscription document.
Early redemption risks
You are not allowed to withdraw all or part of the Structured Investment Product prior to maturity. Please ensure you have made adequate provision for emergency cash needs.

If your early redemption request is accepted by the bank, the amount will be calculated and determined by the bank subject to market conditions. Upon early redemption, you may not enjoy 100% CNY capital protection and may suffer capital loss, or even significant capital loss.
Foreign exchange risk
If the investment currency is not your base currency, and you choose to convert other currency into the investment currency for the purpose of subscribing for this Structured Investment Product and/or you choose to convert the investment capital and return (if any) back to your base currency, your investment result could be affected negatively or positively due to exchange fluctuations.

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

Structured Investment Advice: Relevant advice is provided at product establishment, product withdrawal/cancellation, returns during the period, automatic redemption, product maturity, acceptance of early redemption application by investor and in other related circumstances. Structured Investment Advice is provided in Online Banking or by mail according to your request.
Composite Statement: Composite Statement is provided in Online Banking or by mail according to the your request. The content includes the Structured Investment account information, Indicative Market Price, Indicative Market Value, Accumulated Dividends (if any) etc.
Product Performance Report: Product Performance Report and Maturity Product Performance of the Structured Investment are regularly updated. You can log on Online Banking, or contact your Relationship Manager, or call us to request such reports.

Please contact your Relationship Manager or call our wealth management hotlines to keep updated with product performance.

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.

Find out more by:

Logging on to your Online Banking to check the detailed performance reports of your holding products.

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For product catalogue of on-shelf and outstanding Structured Deposits, please follow the below link:

Product catalogue of on-shelf and outstanding Structured Deposits(Chinese only, PDF, 3.38MB) Download link

Frequently asked questions about Structured Deposits This link will open in a new window

There is no contractual value in this page and the information above is not and should not be regarded as any offer, solicitation or recommendation to conduct any investment, subscriptions or purchase of any financial services or products. If you plan to invest in any Structured Deposit, please ask for relevant legal documents from the Bank, and any rights and obligations of the product will be subject to the legal documents.

Structured Deposit is not a traditional deposit, but rather a product involving investment risks. You should act prudently in making the investment decision.

All Structured Deposits on this page have investment risks, capital (full or partial) is guaranteed only upon maturity (please refer to product subscription document for details), you should be aware of investment risks and act prudently in making the investment decision.

Unlike traditional deposits, Structured Deposits have a derivative investment element and returns may vary. You may receive no return for the entire investment tenor and may even lose part of the capital invested.

If the investment currency is not your base currency, and you choose to convert other currency into the investment currency for the purpose of subscribing for the Structured Deposits and/or you choose to convert the investment capital and return (if any) back to your base currency, your returns could be affected negatively or positively due to exchange fluctuations.

Please carefully read the product subscription document to learn about detailed risks.

Structured Deposits (launched by HSBC China)

Structured Deposit on shelf (in Chinese only)

Key benefits of HSBC Structured Deposits

Online trading platform

How to use HSBC Structured Deposits online platform?

Disclaimer

Contact us

Relevant information for Structured Deposits

Operating mechanism

Fee

Risk reminder

Product information disclosure

Product performance and issued product catalogue

Risk disclosure and disclaimer