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Investment Financing

Our Unit Trusts Investment Financing allows you to leverage your initial investment within a wide selection of unit trusts. The ability to leverage your investments gives you the potential for maximal yields and returns.

Don't let great investment opportunities slip by. Grow your wealth and enjoy higher yields with the capital you have on hand, with minimum investment requirements as low as HKD10,000 (or equivalent).

Enjoy 0.75% p.a. cash rebate by utilising Investment Financing in HKD financing account

Limited-time offer: Utilise your approved Investment Financing facility to purchase unit trust with your HKD financing account and maintain your loan balance until 31 December 2024 to enjoy our Investment Financing cash rebate offer 1 .

To borrow or not to borrow? Borrow only if you can repay!

Features and benefits

  • Higher potential yields and returns
    Potential for higher yields and gains from investment with leverage
  • Greater investment flexibility
    Take advantage of timely market opportunities with additional purchasing power using leverage. Once you've opened and funded your Investment Financing account, you'll have access to a loan facility with no additional approval required.
  • Wide range of eligible investment products
    A broad selection of unit trusts denominated in HKD and USD, designed to meet income and yield enhancement objectives, including open-end funds such as equity dividend, fixed income, and income driven multi-asset funds. See our List of Eligible Unit Trusts for Investment Financing here [PDF, 999KB].
  • Competitive interest rates2
    Lower borrowing costs allow you to profit from interest differentials when you make high-interest investments. See our current pricing information here [PDF, 337KB].
  • No additional fees or charges3
    Free and easy application at no extra cost

Here's how they work

Let's say you have HKD1,000,000 and you want to purchase an eligible Unit Trusts Investment Financing fund with a Margin Ratio of 60%. 

You can leverage your initial investment to receive an additional investment loan of HKD1,500,000, giving you a total of HKD2,500,000 to use for this investment. 

Unit Trusts Investment Financing Settlement Account with cash holdings
Existing cash balance
HKD1,000,000
Unit Trusts Investment Financing Settlement Account with cash holdings
Existing cash balance
 HKD1,000,000

Purchase an eligible unit trusts fund with a Margin Ratio of 60%
Maximum amount of eligible investment products to be subscribed for:
 Credit limit generated from this transaction
 Possible Investment Loan amount
HKD2,500,000 (HKD1,000,000 / (1-60%))
 HKD1,500,000(HKD2,500,000 x 60%)
 HKD1,500,000

Purchase an eligible unit trusts fund with a Margin Ratio of 60%
Maximum amount of eligible investment products to be subscribed for:
 HKD2,500,000 (HKD1,000,000 / (1-60%))
Credit limit generated from this transaction
 HKD1,500,000(HKD2,500,000 x 60%)
Possible Investment Loan amount
 HKD1,500,000

Contact your Premier Elite Director or Premier Relationship Manager to enjoy superior financial flexibility with our Investment Financing loan.4

Loan Interest/ Facility Fee Calculator

    The loan interest/ facility fee calculator estimation is for reference only.

    dpws-tools-calculator-creator

    Loan calculator assumptions:

      1. Loan interest / loan facility fee is calculated by assuming the loan / loan facility amount remains unchanged.
      2. Loan interest is calculated by assuming interest charged is fully repaid each month (not applicable for IPO loan facility service).
      3. Monthly interest is calculated by assuming 30 days in a month (not applicable for IPO loan facility service).
      4. Annual interest is calculated by assuming 365 days in a year (not applicable for IPO loan facility service).

      Remarks on the loan calculator:

        1. The loan calculator estimation shown above is for reference only and does not represent the actual interest / facility fee.
        2. HK dollar loan interest / loan facility fee is calculated based on the actual number of days elapsed and 365-days in a year or 366-days in a leap year.
        3. US dollar loan interest / loan facility fee is calculated on the basis of actual number of days elapsed and 360-days per year.
        4. The actual loan interest / loan facility fee amount charged may differ. Please refer to the relevant statement of the settlement account / repayment account.
        5. The loan effective interest rate / loan facility for individual customers may vary and be subject to the applicable terms of the facility including any promotional offer. Please refer to the relevant product information.

        Reference materials for the loan calculator:

          You may find the relevant benchmark rates from the below links:

          To borrow or not to borrow? Borrow only if you can repay! 

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          Are you eligible?

          To apply, you need to be:

          • an HSBC Premier Elite  / Premier customer

          HSBC Premier Elite / HSBC Premier eligibility requirements 

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          Notes

          1. Terms and Conditions for HSBC's Investment Financing Cash Rebate Promotion apply. HSBC's Best Lending Rate as of 3 May 2024 is 5.875% and Investment Financing pricing before cash rebate is HSBC's - 0.25 After cash rebate of 0.75% p.a. Investment Financing pricing is HSBC's Best Lending Rate -1% p.a.. You can check our latest HKD Best Lending Rate from our HSBC website, choose 'Investing' from the top menu, select "Our HK dollar best lending rate" under Quick Links.
          2. The interest rate offered depends on the Best Lending Rate (BLR), which is the prevailing rate quoted by us, and may change from time to time.
          3. Fees and charges will be applied as established in the corresponding policy of the eligible unit trusts products defined for HSBC Premier Elite and Premier clients.
          4. This service is subject to customer needs and appropriate assessment(s). This service is only available to clients holding a valid and appropriate Risk Profiling Questionnaire. In the worst case scenario with Investment Financing, it could expose you to significant losses; you may incur losses in excess of your own initial funds and your investment, and you may be required to repay the Investment Loans in full.
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