Investing in Hong Kong

Opening an investment account does not incur any fees. However, there may be other account fees applicable depending on the nature of the account and the products held in the account. Besides, there may be transaction fees involved when you buy or sell investment products. Please consult us if you have any queries.

With our one-stop solutions on the FX platform in HSBC Mobile and Online Banking, you can enjoy a faster and more convenient FX journey.

You can invest in foreign currency with HSBC via a number of ways. 

• Exchange currencies anytime, anywhere via mobile and online banking to Hong Kong dollars and11 major foreign currencies with our all-in-one accounts
• Make use of FX Order Watch service to convert funds automatically and/or to receive alert when your target FX rate is reached
• Enjoy a deposit interest of up to 11.0% p.a. when you exchange funds to any of the designated currencies, then place a 1-week time deposit via HSBC HK App 

T&Cs apply. For details, please visit: https://www.hsbc.com.hk/investments/products/foreign-exchange/

Yes, both residents and non-residents can buy real estate and take out a mortgage in Hong Kong. When assessing your application, we’ll consider such factors as your credit report, income proof and the prevailing regulatory requirements in Hong Kong.

As a non-resident, there are a few things to consider.

• You’ll need extra funds for a higher down payment if your income is mainly derived from outside Hong Kong.
• Additional government tax (including stamp duty) payment and/or other taxation arrangement (if applicable) will apply to non-residents.
• There can be potential risks to buying a Hong Kong property while you’re not residing in Hong Kong, such as government tax, housing policy and/or currency fluctuation risk.

For more information about home mortgage loans, repayment plan options or home-related insurance, please get in touch with one of our HSBC mortgage specialists.

You'll normally need to provide:

• your government-issued ID card or passports of all borrowers (and guarantors, if any)
• the sale and purchase agreement
• repayment records from your existing mortgagee bank (if applicable)
• the repayment schedule for your existing mortgage
• address proof for self-occupancy, if applicable
• bank statements showing your salary deposits
• proof of employment

Depending on your personal circumstances, additional documents may also be requested.

For an application under the name of a shell company, you might also need to provide:

• your Business Registration Certificate or Certificate of Incorporation
• the minutes of meeting approving the mortgage application and indicating mortgagee bank, property address and loan amount

This may not be a full list of all the required documents. Our International Banking Centre mortgage specialist can walk you through the requirements.