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Wealth Portfolio Lending

Looking for extra liquidity to unlock investment opportunities or other potentials?

Ready to activate your Wealth Portfolio Lending?

Already an HSBC Premier Elite or Premier customer?

Activate Wealth Portfolio Lending facility online in just few minutes with online banking.

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Key benefits

Stay liquid without cashing out

Unlock liquidity with a credit limit of up to HKD39 million for various needs, such as tax payments or financing your business, without giving up your opportunities and returns.

Take advantage of your overall wealth

Make the most out of your total assets by having additional ready to use cash available to finance your lifestyle spending or any short-term liquidity needs. 

Wide range of accepted collateral

This includes foreign currency savings deposits, time deposits, Deposit Plus, structured investment deposits, US and Hong Kong listed stocks, unit trusts, Hong Kong exchange traded funds, bonds, and certificates of deposit.

Utilisation based fees

Utilisation based borrowing costs as low as 1-month HIBOR + 0.8%1 . See our current pricing information here (PDF)

Advance Ratio

Advance Ratio is the percentage of the market value of your asset(s) that you can take out as a loan.

The advance ratio of each asset is assigned based on HSBC's internal assessment of the quality of your assets and your investment portfolio.

Generally, the more diversified your investment portfolio is, the higher the advance ratio for your assets may be, taking it closer to the respective maximum advance ratio listed below.

If your investment portfolio is considered to be concentrated or impacted by other risk factors, based on HSBC's internal assessment, the advance ratio you can get may not be as high as the respective maximum advance ratio below.

Take a look at these examples:
Asset Type
Advance Ratio (up to)
Foreign Currency Savings Deposits up to 85%
HKD Time Deposits
up to 100%
Foreign Currency Time Deposits
up to 85%
Deposit Plus up to 70%
Capital Protected Investment Deposits up to 70%
Bonds
up to 95%
Certificates of Deposit up to 70%
US Listed Equities up to 70%
HK Listed Equities up to 70%
Unit Trusts 

Equity Funds: up to 70%

Fixed Income Funds: up to 90%

Mixed Allocation Funds: up to 70%

Other Funds: up to 70%

Take a look at these examples:
Asset Type
Foreign Currency Savings Deposits
Advance Ratio (up to)
up to 85%
Asset Type
HKD Time Deposits
Advance Ratio (up to)
up to 100%
Asset Type
Foreign Currency Time Deposits
Advance Ratio (up to)
up to 85%
Asset Type
Deposit Plus
Advance Ratio (up to)
up to 70%
Asset Type
Capital Protected Investment Deposits
Advance Ratio (up to)
up to 70%
Asset Type
Bonds
Advance Ratio (up to)
up to 95%
Asset Type
Certificates of Deposit
Advance Ratio (up to)
up to 70%
Asset Type
US Listed Equities
Advance Ratio (up to)
up to 70%
Asset Type
HK Listed Equities
Advance Ratio (up to)
up to 70%
Asset Type
Unit Trusts 
Advance Ratio (up to)

Equity Funds: up to 70%

Fixed Income Funds: up to 90%

Mixed Allocation Funds: up to 70%

Other Funds: up to 70%

Please refer to Appendix 1 of the Product Factsheet for further details of the eligible collateral. 

Here's how it works

How much you can borrow

Assuming you currently hold assets worth HKD15 million in market value as collateral with a blended advance ratio of 60%, the total collateral value will be HKD9 million, and you will be able to borrow up to HKD9 million.
Total market value of your asset
Blended advance ratio
Total collateral value
HKD15 million
60%
HKD9 million
Assuming you currently hold assets worth HKD15 million in market value as collateral with a blended advance ratio of 60%, the total collateral value will be HKD9 million, and you will be able to borrow up to HKD9 million.
Total market value of your asset
HKD15 million
Blended advance ratio
60%
Total collateral value HKD9 million

Total collateral value of your assets = Total market value of your asset * Blended advance ratio

How to determine the net margin ratio (NMR)

We use net margin ratio (NMR)2 to determine your margin status. When your NMR falls below 100%, you may get a margin call from us.

For example, you have a total collateral value of HKD9 million and you draw down HKD8 million. Your NMR will be 117%.
Total market value of your assets Total collateral value of your assets  Total outstanding loan Net margin ratio
HKD15 million
HKD9 million
HKD8 million
117%
For example, you have a total collateral value of HKD9 million and you draw down HKD8 million. Your NMR will be 117%.
Total market value of your assets HKD15 million
Total collateral value of your assets  HKD9 million
Total outstanding loan HKD8 million
Net margin ratio 117%

Net margin ratio = (total market value - total outstanding loan) / (total market value - total collateral value)

Are you eligible?

To apply, you need to be:

  • an HSBC Premier Elite / Premier customer

Need further information?

Other products you may be interested in

 

Place deposits with rates exclusive to HSBC Premier Elite clients.

 

Enjoy exclusive offerings on FX, stocks, and bonds, to enhance your wealth management needs.

 

Leverage your initial investment within a wide selection of unit trusts, giving you the potential for maximal yields and returns.

 

Gain access to newly-issued bonds from well-recognised issuers in primary and secondary markets.

Remarks

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

  1. The interest rate offered depends on the below: (i) the benchmark rate - 1-month Hong Kong Interbank Offered Rate (HIBOR) as at any date which is quoted by HSBC quoted by The Hong Kong Association of Banks on such date, and (ii) usage based interest rate spread. Both benchmark rate and interest rate spread may change from time to time. Please refer to the latest 1-month HIBOR on The Hong Kong Association of Banks' website (www.hkab.org.hk).
    You can check our latest pricing on our Key Facts Statement (Wealth Portfolio Lending - Key Facts Statement (hsbc.com.hk)).
  2. NMR changes on a daily basis depending on your asset market value, blended advance ratio and your loan outstanding. For more details, please refer to the product factsheet.
  3. The under margin levels, shortfall levels and margin call levels are subject to change by the Bank without prior notice and the Bank has no obligation to notify the customer of the aforesaid event, therefore it is the customer's duty to monitor the same.
  4. The list of the eligible investments and eligible deposits designated by the Bank and their respective advance ratio may be amended by the Bank from time to time without prior notice.
  5. In the event that the market deteriorates rapidly beyond the margin call level and reaches the forced liquidation level, the Bank reserves the rights to close out all or part of the outstanding positions without notice and without any margin calls. The forced liquidation levels are also subject to change by the Bank without prior notice.