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Welcome to HSBC Premier

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由香港上海滙豐銀行有限公司刊發
Issued by The Hongkong and Shanghai Banking Corporation Limited
Make bold moves in an evolving global landscape
with HSBC Premier, and extend your entitled
privilege to those closest to you.

With an international network of experienced

financial experts and bespoke wealth solutions
available, leverage them to ensure you and your
family's aspirations are within reach.

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Getting International Wealth Health and
Lifestyle
Bespoke Important
Started Support Growth Wellness Benefits Information

To make the most of HSBC Premier, activate the

following services if you haven’t done so yet to take full
advantage of your account.

Register for Personal Internet Banking.

Download and log onto the HSBC HK Mobile Banking
App.
Register for an Investment Account in just 6 steps via
HSBC HK Mobile Banking app.
Complete the Risk Profiling Questionnaire.
Apply for your exclusive HSBC Premier Mastercard®.
Opt in to subscribe to our offer updates via HSBC
Online Banking.

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Getting International Wealth Health and
Lifestyle
Bespoke Important
Started Support Growth Wellness Benefits Information

Personal internet HSBC mobile apps

banking Enjoy a wide range of HSBC banking services and
benefits anytime, anywhere by downloading our
Manage your banking needs 24/7 by completing a apps from App Store or Google PlayTM.
quick and simple registration on hsbc.com.hk

Click ‘Register’ under ‘Log on’ HSBC HK Mobile Banking app

Pay bills, transfer money and check your
Choose 'Bank Account' to verify your identity account balance on your smartphone or
tablet.
Read and accept the Terms & Conditions
HSBC HK Easy Invest app#
Enter the account number, ATM PIN* of your
Trade Hong Kong stocks, China A
bank account/credit card account, as well as an
shares and U.S. stocks and get real time
identification document number to verify your market information anytime, anywhere.
identity

Set up your log on details HSBC Reward+

Search and view an array of Red Hot
Choose a security question so that you may reset Offers, pay your credit card bill with
RewardCash and manage your card
your log on details in case you forget them
transactions anytime, anywhere.

After your registration is confirmed, you can log

on and start using Personal Internet Banking PayMe from HSBC
Send money instantly to anyone for free.
Click hsbc.com.hk/register for more details.

Note:
* When you register “bank account”, you can also use Phone Banking PIN to verify your identity.
SVF License Number: SVFB002
#
The HSBC HK Easy Invest App (“Easy Invest”) and the contents of this material / correspondence are provided by The Hongkong and Shanghai Banking
Corporation Limited (‘HSBC HK’) for the use of existing HSBC HK customers only. You should download Easy Invest only if you are an existing HSBC HK customer.
Easy Invest is not intended for download, or use, by any person in any jurisdiction where such download or use would be contrary to any law or regulation of
such jurisdiction or where HSBC HK is not licensed or authorised to provide Easy Invest and/or any of the Services.
Apple, the Apple logo, iPhone, Touch ID and Face ID are trademarks of Apple Inc., registered or in the process of being registered in the US and other countries/
regions. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Android is a trademark of Google LLC. 4
Getting International Wealth Health and Bespoke Important
Lifestyle
Started Support Growth Wellness Benefits Information

360
international
support

Realise you and your family's ambitions

locally and overseas, and utilise the benefits of
HSBC Premier's global presence every step of the way,
especially regarding overseas education for the future generation.
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Getting International Wealth Health and
Lifestyle
Bespoke Important
Started Support Growth Wellness Benefits Information

From planning pre-departure locally to day-to- Children under 18 are eligible for the Junior
day care upon arrival, support your children Pack, and the separate ATM card allows simple
wherever they are and whatever their needs fund transfers and withdrawals from the HSBC
may be, and leverage your HSBC Premier status ATM network around the world. Children aged
for surrounding relocation and travel needs. 18-28 applying for Next Generation Account
will inherit your global privileges, and they can
enjoy exclusive access to HSBC Premier centres
International education planning worldwide without maintaining a minimum Total
Relationship Balance.
The journey to overseas education begins long
before your children’s departure. Prepare them
with the most comprehensive programmes and Pre-departure preparations
set them up for success from the first step.
Conveniently arrange the products and services
Education partner network and privileges that will be essential to your children at arrival
Plan the overseas education of your children ahead of time locally to ensure a smooth
properly and take advantage of unique transition as they venture into a new city.
insights every step of the way through our
exclusive partnerships with professional Overseas account opening
education consultants with exclusive offers to Open overseas accounts and collect ATM cards
complimentary consultations and other discounts. ahead of time locally to provide your children with
instant access to funds upon their arrival at their
HSBC Premier Chief Education Officer (CEO) destination.
Enjoy complimentary 1-to-1 overseas or Hong Kong
education consultation session at our Wealth Centres. Volunteer Health Insurance Scheme
Please visit (VHIS)* and Overseas StudySurance#
HSBC Premier International Education & Lifestyle Provide your children with full insurance coverage
Privileges Booklet [PDF] for details. for overseas activities, education fund subsidies,
What’s more? and study interruption protection.
homeandaway.hsbc.com/hk/en-gb/education/ for
more education privileges here and abroad with HSBC Mastercard® Supplementary Debit Card
your HSBC credit card. Put aside any worries about currency exchange
or your children's overseas living expenses with a
HSBC Premier Junior Pack and Premier for multicurrency supplementary debit card.
Next Generation account
Share your HSBC Premier status with your
children and extend your global privileges to
them, empowering them to manage their personal
finances with designated accounts.

* The HSBC Voluntary Health Insurance Plans (“HSBC VHIS Plans”) are not equivalent or similar to any kind of bank deposit. HSBC VHIS Plans are underwritten by HSBC Life (International) Limited which is
authorised and regulated by the Insurance Authority to carry on long-term insurance business in the Hong Kong SAR. Please refer to the product brochure for detailed features and the policy provisions for
the detailed terms and conditions. (Name of VHIS Provider: HSBC Life (International) Limited, VHIS Provider Registration Number: 00042, Effective Date of Registration : 29 May 2020)
# Overseas StudySurance is underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible
for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of
6
the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC.
Getting International Wealth Health and
Lifestyle
Bespoke Important
Started Support Growth Wellness Benefits Information

Day-to-day overseas care Exclusive International School Experience: private

school tours, 1:1 consultation session with
Continue to play a crucial role in remotely principal / headmaster, etc
providing for your children's every need and T&Cs apply.
providing access to exclusive services as they are
extensions of you and enjoy the same status. Global banking at your fingertips

HSBC Global Transfers Explore and leverage opportunities internationally

Make free, instant transfers worldwide between beyond education with specialised support
HSBC accounts online or with the HSBC HK against particular needs across over 25 countries,
Mobile Banking app to ensure your children have ensuring you are optimally positioned financially
access to adequate cash flow. around the world.

Other global payments International mortgage referral service

For other global payments to non-HSBC accounts, Make your first overseas home purchase or grow
you can send money on HSBC HK Mobile Banking your property portfolio abroad leveraging unique
App to over 50 countries / regions in their local insights into the market from partnered independent
currencies of a fee-free experience and as fast as property consultant. Our International Banking
within 1 working day. Centre in Hong Kong can support you throughout
the journey and refer you to an overseas specialist in
Emergency encashment the country or region where you'd like a mortgage.
Allows access up to USD2,000 in emergency cash Please contact International Banking Centre IBC on
from HSBC outlets worldwide for you and your (852) 2233 3888 for details.
children, financially equipping you to manage any
unforeseen circumstances. HSBC Premier Mastercard®
Earn the eligibility for home&away offers
Worldwide Premier status and instant card member status recognition
Gain access to specialist services, including worldwide, alongside other personalised services,
mortgage and global banking advice at rebates, and perpetual annual fee waiver.
International Banking Centres with your globally
recognised HSBC Premier status. Travel insurance
Explore the world worry-free with comprehensive
coverage, express claims approval and 24-hour
Other offers
worldwide assistance, available as single trip
IELTS and English Courses Discount: up to 12% policies or annual passes.
off provided by British Council
TOEFL Test Registration Discount: up to 13% off
and a free set of TOEFL Practice Online (TPO)

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Getting International Wealth Health and
Lifestyle
Bespoke Important
Started Support Growth Wellness Benefits Information

Personalised
wealth growth

Adapt and take advantage of the various

circumstances with comprehensive support
from HSBC Premier, whether they are immediate
personal objectives or long-term endeavours
involving family and loved ones. Leverage dedicated
personnel support working around your schedule
and access premium financing services and
exclusive personal tools to optimize your portfolio
with ease. 8
Getting International Wealth Health and
Lifestyle
Bespoke Important
Started Support Growth Wellness Benefits Information

Investment account Personalised

Open an investment account to kickstart your wealth planning
investment journey in 6 simple steps via the HSBC
HK Mobile Banking app. My Portfolio
Easily review your wealth holdings in one place
Access a world of investments: equities in digitally and track your investments over time.
emerging markets, funds from around the globe,
and bonds from overseas companies. Access wealth education tools and explore
investment ideas with the ‘investors like me’ feature.
Find a suitable investment type dependent on
your goals and experience. Wealth Portfolio Intelligence Services (WPIS)
Take a deep dive into how your unit trusts
holdings are performing at a glance, with

Bespoke wealth personalised analyses that allow you to manage

risk and optimise your portfolio on the HSBC HK

management services Mobile Banking app or together with your Premier

Relationship Manager.

Devoted team Foreign exchange (FX) on mobile

Achieve financial goals and build the ideal Exchange currencies anytime, anywhere via
investment portfolio under the guidance of HSBC mobile and online banking*.
Premier Relationship Managers and wealth
specialists catering to your specific needs. Capture foreign currency opportunities with
convenient and strategic FX time deposits
Convenient digital access through our one-stop platform in HSBC HK Mobile
Connect seamlessly with your Premier Banking app.
Relationship Manager at your convenience,
utilising either the Chat with Relationship HSBC Top Trader Club
Manager and team function on the HSBC HK Join our robust stock trading loyalty programme
mobile app or call via Zoom. via the HSBC HK EasyInvest app or Online
Banking to enjoy volume-based brokage fees and
preferential time deposit.

* The real-time currency exchange service is available 24/7 via HSBC Online and Mobile Banking for all-in-one integrated accounts and HKD Passbook Savings account except during
system maintenance hours and special circumstances.
# Conditions apply. Please visit hsbc.com.hk/ttc to learn more. 9
Getting International Wealth Health and
Lifestyle
Bespoke Important
Started Support Growth Wellness Benefits Information

Wealth lending services Passing on the wealth

Unit Trusts Investment Financing* Premier Junior Pack and Premier for Next
Capitalise on timely market opportunities with the Generation account
added investment flexibility by leveraging your Let your children be the ones in charge of their
Unit Trust holdings with preferential rates in HKD finances with their own HSBC Premier accounts
and USD without additional charges. while enjoying the same exclusive Premier
privileges and benefits you do.
Insurance Premium Financing
Enjoy insurance coverage that matches your
needs while keeping optimal fund liquidity
to capitalise on emerging opportunities with
fixed-term loans.

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

* 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. The use of leverage will result in higher levels of risks. While both the product you select and a leveraged investment in that product demonstrates historical volatility within
the range of your indicated risk tolerance established using the Risk Profiling Questionnaire, the use of leverage nonetheless implies a higher exposure to price fluctuation. This leverage feature
increases your risks due to the volatility and price fluctuation compared to an investment in the product on a non-leveraged basis. Thus, capital values can fluctuate significantly and may fall at a
level exceeding your original investment such that you may bear losses in excess of the original investment. The use of leverage may magnify losses in a poor market performance. You may need
to put in additional funding at short notice to cover the position and any outstanding interests.

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Getting International Wealth Health and
Lifestyle
Bespoke Important
Started Support Growth Wellness Benefits Information

Insights and products

Optimise how you leverage your money as Wealth insights hub
capital by taking advantage of a wide variety of Make informed investment decisions based
investment and insurance products consolidated on insights focusing on macro trends, curated
in one place, and keep yourself abreast of relevant and shared as Horizon, our monthly investment
market development and investment implications bulletin.
with personalised wealth insights.
Funds and structured products
FX order watch trading services Find the investment opportunities that best suit
Trade foreign currency conveniently utilising your needs and preferences amongst various
automatic fund conversion and set alerts for your choices.
target exchange rate.
Exclusive placement service of structured
investment deposits
Capture market trends more effectively with tailor-
made investments.

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Getting International Wealth Health and Lifestyle
Bespoke Important
Started Support Growth Wellness Benefits Information

Keep your health

on track

Enhance the health and wellness of you

and your family with HSBC Premier’s
comprehensive support. Enjoy special healthcare
privileges and tailored offers across prevention, health
protection and treatment stages. 12
Getting International Wealth Health and Lifestyle
Bespoke Important
Started Support Growth Wellness Benefits Information

Protect you and your Support your

family’s health health needs
Access privileged healthcare offers across Take care of yourself and your loved ones with
checkup, vaccinations, vision care, Chinese health and wellness programmes from HSBC Life
medicines and more with HSBC Premier. Enjoy Para-medical Centre
discounts on premium health check offers
and overseas study pre-departure medical RewardCash benefit with life product purchase
examination. via Well+: ‘Get insured’ challenge – Enjoy up to
$500 RewardCash with bonus
Premium health-screening offers at private
hospitals with up to 64% discount T&Cs apply.

100+ broad range of basic health offers – e.g.,

Checkup, Vaccination, Vision care, Chinese
medicines and more

T&Cs apply.

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Getting International Wealth Health and Bespoke Important
Lifestyle
Started Support Growth Wellness Benefits Information

Elevate your travel,

lifestyle and
dining experience

Indulge in an elevated lifestyle with

HSBC Premier’s range of special offers
in travel, dining and lifestyle experiences.

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Getting International Wealth Health and Bespoke Important
Lifestyle
Started Support Growth Wellness Benefits Information

Travel worldwide Experience the luxury

with HSBC Premier driving lifestyle with
Up to 14% off hotel booking and 25% off flash
sale monthly (Flash sale from 24th onwards
Mercedes-Benz
every month till month end), covering popular Enjoy charging credits, gas coupons or Zung Fu
travel destinations for Hong Kong people, e.g., aftersales service voucher when you purchase a
Japan, Korea, Taiwan. new Mercedes Benz vehicle. Plus, get discounts
on select aftersales service plans. T&Cs apply.
Enjoy a discount of up to HKD800 and receive
an extra 800 Asia Miles when you book your
flight tickets with promo code ‘HSBC800’ via the
designated Cathay Pacific website.

Ride in style with our one-way airport limousine

service, to or from designated airports, for just
HKD250 or HKD350.

T&Cs apply.

Indulge in Michelin
Dining experience
Enjoy special fine dining experiences at 13
Michelin-starred restaurants in Hong Kong. T&Cs
apply.

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Getting International Wealth Health and
Lifestyle
Bespoke Important
Started Support Growth Wellness Benefits Information

Preferential Benefits
Catered to You

As an HSBC Premier customer, you’re entitled to

a wide range of exclusive services and privileges. 16
Getting International Wealth Health and
Lifestyle
Bespoke Important
Started Support Growth Wellness Benefits Information

HSBC Premier centres eTicketing and booking

Enjoy exclusive access to all HSBC Premier
centres worldwide. You can find the nearest Hong
for counter
Kong branch via the branch locator on our Hong HSBC Premier brings you a convenient counter
Kong website. experience by offering a full suite of e-ticketing
and booking services (digitalcounterservices.hsbc.

Preferential banking com.hk/), helping you plan your schedule more

efficiently.

service fee View counter situation: Provide you with the real-
time counter situation of HSBC Premier centres
Enjoy preferential rates on a range of services, at your fingertips to help you decide when and
including ATM cash withdrawal fees, free HSBC which HSBC Premier centre to visit.
Global Transfers, Outward / Inward Telegraphic
Transfer. For details, please refer to the 'Bank tariff Get a ticket: Enable you to get a counter ticket
guide for HSBC Wealth and Personal Banking remotely before arriving at your preferred HSBC
Customers' on the HSBC website. Premier centre to save you from waiting.

Foreign currency Make a booking: Enjoy priority service by booking

for counter service appointment at your preferred
HSBC Premier centre on the same day# or up to
pre-order service 5 business days in advance for worry-free
schedule planning.
Enjoy exclusive pre-order service when
exchanging foreign currency for your next trip. For details, please visit HSBC HK website > HSBC
Premier > HSBC Premier Bank Account > Other
You can request to have them ready in your ways to apply - “Apply in branch” section
preferred denomination* and collect them at your
preferred branch location.

You can also get new HKD banknotes and gift

cheques simply by contacting your Premier
Relationship Manager or by calling our HSBC
Premier hotline.

Pre-ordering of foreign currency.

* The denomination is subject to stock availability

# Same day booking or modification is available half a day in advance. 17
Getting International Wealth Health and
Lifestyle
Bespoke Important
Started Support Growth Wellness Benefits Information

Contact Us
Phone Banking Chat with your Relationship Manager
Reach us 24/7 through the dedicated Premier You can chat with your Relationship Manager
Service Line: +852 2233 3322. and team during service hours, for free. You can
contact them via the HSBC HK Mobile Banking
Manned and automated service available in app, HSBC Personal Internet Banking, WhatsApp
English, Cantonese, and Putonghua. or WeChat (if applicable).

Outside of these hours, our designated 24/7 chat

agents are available to support you with your
banking needs via 'Chat with us' on the HSBC HK
Mobile Banking app or in HSBC Online Banking.

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Getting International Wealth Health and
Lifestyle
Bespoke Important
Started Support Growth Wellness Benefits Information

Important Risk Warning

• Unit Trusts, Bonds, structured products (including Equity Linked funds in bonds/CD for the full tenor. You could lose part or all of
Investments, Structured Notes, Deposit Plus, Structured Investment your principal if you choose to sell your bonds/CDs prior to maturity.
Deposits and Capital Protected Investment Deposits) are investment • Indicative prices of bonds/CDs are available and the bonds/CDs
products and some Unit Trusts and structured products may involve price do fluctuate when market changes. Factors affecting market
derivatives. Together with Certificates of Deposit (CDs), they are price of bonds/CDs include, and are not limited to, fluctuations
NOT equivalent to time deposits. The investment decision is yours in Interest Rates, Credit Spreads, and Liquidity Premiums. The
but you should not invest unless the intermediary who sells it to fluctuation in yield generally has a greater effect on prices of longer
you has explained to you that the product is suitable for you having tenor bonds/CDs. There is an inherent risk that losses may be
regard to your financial situation, investment experience and incurred rather than profit made as a result of buying and selling
investment objectives. bonds/CDs.
• The price of securities/structured products may move up or down • It is the issuer to pay interest and repay principal of bonds/CDs.
and may become valueless. Losses may be incurred as well as If the issuer defaults, the holder of bonds/CDs may not be able to
profits made as a result of buying and selling securities/structured receive back the interest and principal. The holder of bonds/CDs
products. bears the credit risk of the issuer and has no recourse to the Bank
• In the worst case scenario, the value of the products may be worth unless the Bank is the issuer itself.
substantially less than the original amount you invested (and in an • If you wish to sell bonds/CDs, HSBC may repurchase them based
extreme case could be worth nothing). on the prevailing market price under normal market circumstances,
• Issuer’s Risk – Bonds, CDs, structured products are subject to both but the selling price may differ from the original buying price due to
the actual and perceived measures of credit worthiness of the changes in market conditions.
issuer. There is no assurance of protection against a default by the • T h e r e m ay b e exc h a n g e r a t e r i s k s i f yo u c h o o s e to c o nve r t
issuer in respect of the repayment obligations. In the worst case payments made on the bond/CDs to your home currency.
scenario, you might not be able to recover the principal and interest/ • The secondary market for bonds/CDs may not provide significant
coupon if the issuer defaults on the Bonds, CDs and structured liquidity or may trade at prices based on the prevailing market
products. conditions and may not be in line with the expectations of holders
• Investors should not make investment decisions based on this of bonds/CDs.
material alone. • If bonds/CDs are early redeemed, you may not be able to enjoy the
• Investment involves risks. Past performance of products is no guide same rates of return when you use the funds to purchase other
to future performance. For details of the products, the related fees products.
and charges and risk factors, please refer to the individual product
materials and/or offering materials. Deposit Plus (DPS)
• Currency conversion risk – the value of your foreign currency and • Deposit Plus NOT equivalent to, nor should it be treated as a
RMB products/deposit will be subject to the risk of exchange rate substitute for, time deposit. It is NOT a protected deposit and is
fluctuation. If you choose to convert your foreign currency and NOT protected by the Deposit Protection Scheme in Hong Kong.
RMB products to other currencies at an exchange rate that is less • Derivatives risk – Deposit Plus is embedded with FX option(s).
favourable than that exchange rate in which you made your original Option transactions involve risks, especially when selling an option.
conversion to foreign currency and RMB, you may suffer loss in Although the premium received from selling an option is fixed, you
principal/investment. may sustain a loss well in excess of such premium amount, and
• RMB denominated products are subject to liquidity risk as there your loss could be substantial.
may be no regular trading and active secondary market for RMB • Limited potential gain – The maximum potential gain is limited to
Income Instruments. The bid and offer spread of the price of RMB the interest on the deposit.
Income Instruments may be large, so investors may incur significant • Maximum potential loss – Deposit Plus is not principal protected. You
trading and realisation costs and may suffer losses accordingly. must be prepared to incur loss as a result of depreciation in the value
• Warrants and CBBCs are non-collateralised products. The price of of the currency paid (if the deposit is converted to the linked currency
the Warrants/ CBBCs may fall in value as rapidly as it may rise and at maturity). Such loss may offset the interest earned on the deposit
investors may sustain a total loss of their investment. Prospective and may even result in losses in the principal amount of the deposit.
investors should ensure that they understand the nature and risks • Not the same as buying the linked currency – Investing in Deposit
and seek for professional advice where applicable. Plus is not the same as buying the linked currency directly. Market
• Additional risks are disclosed in the “Risk Disclosure” section. risk – The net return of Deposit Plus will depend upon the exchange
Please refer to “Risk Disclosure” section for details. rate of deposit currency against the linked currency prevailing at the
deposit fixing time on the fixing date. Movements in exchange rates
can be unpredictable, sudden and drastic, and affected by complex
Risk Disclosure political and economic factors.
• Liquidity risk – Deposit Plus is designed to be held until maturity.
Unit Trusts You do not have a right to request early termination of this product
• In the worst case scenario, the value of the funds may be worth before maturity. Under special circumstances, the Bank has the
substantially less than the original amount you invested (and in an right to accept your early redemption request at its sole discretion
extreme case could be worth nothing). and on a case by case basis. The Bank will provide an indication
• Funds which are invested in certain markets and companies (e.g. of the redemption price upon such request. Your return upon such
emerging, commodity markets and smaller companies etc.) may early redemption will likely be lower than that if the deposit were
also involve a higher degree of risk and are usually more sensitive to held until maturity and may be negative.
price movements. • Cr e di t r isk of th e B ank – D e p o s i t Plu s is n ot s e c ur e d by any
• Credit Risk/Interest Rate Risk – a fund that invests in fixed income collateral. When you invest in this product, you will be relying on
securities may fall in value if interest rates change, and is subject the Bank's creditworthiness. If the Bank becomes insolvent or
to the credit risk that issuers may not make payments on such defaults on its obligations under this product, you can only claim
securities. Price of the fund may have a high volatilit y due to as an unsecured creditor of the Bank. In the worst case, you could
investment in financial derivative instruments and may involve a suffer a total loss of your deposit amount.
greater degree of risk than in the case with conventional securities. • Currency risk – If the deposit currency and/or linked currency is
• Counterparty Risk – a fund will be exposed to credit risk on the not your home currency, and you choose to convert it back to your
counterparties with which it trades in relation to financial derivative home currency upon maturity, you may make a gain or loss due to
instrument contracts that are not traded on a recognised exchange. exchange rate fluctuations.
Such instruments are not afforded the same protections as may • Risks relating to RMB – You should note that the value of RMB
apply to participants trading financial derivative instruments on against other foreign currencies fluctuates and will be affected
organized exchanges, such as the performance guarantee of an by, amongst other things, the PRC government's control (for
exchange clearing house. A fund will be subject to the possibility example, the PRC government regulates conversion between RMB
of insolvency, bankruptcy or default of a counterparty with which a and foreign currencies), which may adversely affect your return
fund trades such instruments, which could result in substantial loss under this product. In case you receive RMB as Linked Currency at
to a fund. maturity and you choose to convert your maturity proceed to other
currencies, you may suffer loss in principal. This product will be
Bonds and Certificates of Deposit (“CDs”) denominated (if Deposit Currency being RMB) and settled (when
• Bonds/CDs are mainly medium to long term fixed income products, receive RMB at maturity) in RMB deliverable in Hong Kong, which is
not for short term speculation. You should be prepared to hold your different from that of RMB deliverable in Mainland China. 19
Getting International Wealth Health and
Lifestyle
Bespoke Important
Started Support Growth Wellness Benefits Information

Renminbi (“RMB”) Products China A Shares

• T h e r e m ay b e exc h a n g e r a t e r i s k s i f yo u c h o o s e to c o nve r t • Inves tment in China A Shares through Shanghai - Hong Kong
payments made on RMB related products to your home currency. and Shenzhen - Hong Kong Stock Connec t involves risks. You
• RMB products may suf fer significant losses in liquidating the should carefully consider whether any investment products or
underlying investments if such investments do not have an active services mentioned herein are appropriate for you in view of your
secondary market and their prices have large bid/offer spreads. investment experience, objectives, financial resources and relevant
• In general, RMB equity products are exposed to the usual kind circumstances. The price of securities may move up or down.
of default risks that might be associated with equity products Losses may be incurred and profits may be made as a result of
denominated in other currencies. buying and selling securities.
• RMB debt instruments are subject to interest rate fluctuations, • For further information, you should refer to the risk disclosures and
which may dversely affect the return and performance of the RMB other terms set out in the China Connect/Shanghai-Hong Kong and
products. Shenzhen-Hong Kong Stock Connect Terms and Conditions.
• You could lose part or all of your principal if you choose to sell your
RMB products prior to maturity. Currency Conversion
• The value of your foreign currency and RMB deposit will be subject
Securities Trading to the risk of exchange rate fluctuation. If you choose to convert
• The prices of securities fluctuate, sometimes dramatically. The price your foreign currency and RMB deposit to other currencies at an
of a security may move up or down, and may become valueless. It exchange rate that is less favourable than the exchange rate in
is as likely that losses will be incurred rather than profit made as a which you made your original conversion to that foreign currency
result of buying and selling securities. and RMB, you may suffer loss in principal.

Deposit Protection Scheme

• Deposits in the Current Account, the Savings Account and the Time
Deposit Account (with a term of up to 5 years) of HSBC Premier /
HSBC One, are qualified for protection by the Deposit Protection
Scheme in Hong Kong.

Currency conversion and investment involve risk.

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

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我們致力助您和您的家人，在變化萬千的大環境中，勇於
作出明智抉擇，共享卓越禮遇，擁抱幸福未來。

滙豐卓越理財，資深財富管理專家團隊遍佈全球，加上
各種定制財富管理方案，擁有全方位優勢，我們深信，
定能攜手助您與摯愛建立理想家庭，實現所想。

21
開始卓越旅程 環球支援 財富增長管理 醫療保健 生活昇華 專屬禮遇 重要資訊

為確保您能盡享滙豐卓越理財的尊貴服務，若您尚未啟動以下服務，
我們建議您立即：

登記個人網上理財
下載及登入香港滙豐流動理財應用程式
簡單6 步於香港滙豐流動理財應用程式登記個人投資戶口
完成風險取向問卷
申請專屬您的滙豐卓越理財信用卡 ®
透過滙豐網上理財選擇接收推廣資訊優惠的選項

22
開始卓越旅程 環球支援 財富增長管理 醫療保健 生活昇華 專屬禮遇 重要資訊

個人網上理財 滙豐流動應用程式
每週7天、每天24 小時無間斷讓您處理日常理財 從App Store 或Google Play 下載滙豐流動應用
TM

所需登記程序簡單快捷，瀏覽hsbc.com.hk了解 程式，隨時隨地輕鬆使用各式銀行服務
更多
在「登入」按鈕下，按一下「登記」 香港滙豐流動理財應用程式
透過智能手機或平板電腦來繳費、轉賬
選擇「銀行戶口」以驗證您的身份細閱及接受條 或查詢戶口結餘
款及細則
輸入銀行戶口或信用卡之櫃員機卡密碼*，及身份
#
香港滙豐投資全速易
證明文件號碼以驗證身份 透過智能手機或平板電腦來繳費、轉賬
設定登入資料 或查詢戶口結餘
選擇保安問題，讓您於忘記登入資料時可進行
滙豐Reward+
重設
隨時隨地一按即睇及登記一系列最 紅
確認登記後，您便可以使用個人網上理財服務 優 惠，以「獎 賞 錢 」繳 付 賬 單，及管 理
各項信用卡交易
瀏覽hsbc.com.hk/register了解更多
PayMe from HSBC
即時免費轉賬

註：
* 登記銀行戶口時，您亦可以使用電話理財密碼來驗證身份。
儲值支付工具牌照編號：SVFB002
# 滙豐投資全速易應用程式（「投資全速易」）及此文件或訊息的內容為香港上海滙豐銀行有限公司（「香港滙豐」）所提供，並僅供香港滙豐現有客戶使用。投資
全速易只供香港滙豐現有客戶下載。就任何人士在任何司法管轄區下載或使用投資全速易會違反其法律或法規，或本行未獲發牌或授權在該等司法管轄區提供
投資全速易及／或任何服務而言，本行無意讓任何身處該等司法管轄區的人士下載或使用投資全速易。
Apple、Apple 標誌、iPhone、Touch ID及Face ID 均為Apple Inc.在美國及其他國家註冊或現正註冊中的商標。App Store 為 Apple Inc. 之服務商標。
Google Play 和Google Play 標誌均為Google LLC 的商標。Android 是Google LLC 的商標。 23
開始卓越旅程 環球支援 財富增長管理 醫療保健 生活昇華 專屬禮遇 重要資訊

全方位環球支援

滙豐卓越理財的環球網絡，緊貼您每步所需，
讓您立足本地，放眼海外，為家人實現所想。

24
開始卓越旅程 環球支援 財富增長管理 醫療保健 生活昇華 專屬禮遇 重要資訊

尤其於籌劃子女海外升學計劃方面，從出發前 「成才組合」可讓您18 歲以下子女，隨時隨地使用其

準備，到抵步後的日常支援，無論子女身處何地、 專有提款卡，透過遍佈全球的滙豐自動櫃員機網絡
需求如何，即使遷居或旅行，都能盡享滙豐卓越 轉賬和提款。滙豐卓越理財子女戶口為您18至28 歲
理財的優勢。 的子女提供一系列尊屬待遇，包括尊享全球滙豐
卓越理財中心服務，且無全面理財總值要求
計劃海外升學
離港前準備
當子女抵步外地一刻，就是升學旅程的開始。預早為
他們悉心打點一切，助他們好好踏出成功第一步。 預早安排子女在當地所需的產品和服務，以確保
他們安全抵步後，能順利開展升學之旅。
教育合作夥伴及禮遇
我們 與 專業 教 育顧問緊密合作，建立獨 特 夥 伴 開立海外戶口
關係，為您提供免費諮詢和一系列優惠。更有獨到 於香港開立海外銀行戶口，在離港前領取提款卡，
的分析和見解幫您好好計劃子女海外留學每一步 子女抵步後即可提取現金，費用全免

滙豐卓越理財首席教育顧問（CEO） 自願醫保計劃* 和海外升學萬全保#

於財富管理中心免費享用一節1 對1 海外或香港 為您子女提供對海外活動的周全保障、教育基金和
升學諮詢 學業中斷保障

請瀏覽 滙豐Mastercard® 附屬扣賬卡

滙豐卓越理財教育及生活品味優惠小冊子[PDF]
附屬扣賬卡備有支援多種貨幣的功能，讓您毋須
了解更多。
擔心貨幣兌換。即使子女在千里之外，您仍可照顧
他們生活所需。
想知更多？
homeandaway.hsbc.com/hk/zh-hk/education/
了解更多信用卡專屬本地及海外教育優惠。

滙豐卓越理財「成才組合」和滙豐卓越理財子女
戶口
子女可透過滙豐卓越理財戶口，掌握自己的財務，
同時和您一樣，尊享專屬卓越理財款待和禮遇

* 滙豐自願醫保計劃並非等同於或類似任何類型的銀行存款。滙豐自願醫保計劃是由滙豐人壽保險（國際）有限公司（「滙豐保險」）承保，已獲香港特別行政區保險業監管局授權經營及監管，以在
香港特別行政區進行長期保險業務。有關詳細產品特點及詳細的條款及細則，請參閱相關的產品冊子及保單條款。（註冊自願醫保產品的提供者︰滙豐人壽保險（國際）有限公司，自願醫保產品
提供者註冊編號︰ 00042，生效日期︰2020 年5月29 日）
# 海外升學萬全保由安盛保險有限公司（「AXA 安盛」）承保，AXA 安盛已獲香港保險業監管局授權並受其監管。AXA 安盛將負責按保單條款為您提供保險保障以及處理索償申請。香港上海滙豐
銀行有限公司乃根據保險業條例（香港法例第41章）註冊為AXA 安盛於香港特別行政區分銷一般保險產品之授權保險代理商。一般保險計劃乃AXA 安盛之產品而非滙豐之產品。 25
開始卓越旅程 環球支援 財富增長管理 醫療保健 生活昇華 專屬禮遇 重要資訊

抵步之後 獨家國際學校體驗：私人校園導覽、由校長提供一
對一入學咨詢服務等
千里之外仍可照顧子女生活所需，更可讓他們和您
受條款及細則約束。
一樣，尊享專屬卓越理財款待和禮遇

海外轉賬 環球理財 在您掌握之內

當子女有需要時，您可輕鬆透過網上理財或香港 除了海外升學，我們的專人支援遍及全球20 多個
匯豐流動理財應用程式，即時及免費海外轉賬至 國家，為您開拓更多投資機遇。從此，您的財富佈局，
滙豐海外戶口 得以放眼環球，無分界限

其他環球付款服務 國際按揭轉介服務
如需轉賬至非滙豐戶口，您可透過香港滙豐流動 無論您是首次於海外置業，還是想投資海外房地產，
理財應用程式，以當地貨幣向全球逾50 個國家╱ 我們的房地產顧問合作夥伴可為您分享獨特的投
地區進行環球付款，費用全免，最快可於一個工作天 資建議。您更可透過香港國際銀行業務部的國際按
內完成 揭櫃位，享有多個國家及地區的一條龍國際按揭服
務及支援。詳情請致電+852 2233 3888 聯絡國際
現金應急服務 銀行業務部
面對緊急狀況，子女隨時有現金應急。從全球滙豐
所在地點提取高達2,000 美元的援助現金，輕鬆 滙豐卓越理財信用卡®
應對任何突發情況 無論您身在何處，您都可在全球範圍內享有特殊
禮遇，以及全球認可的地位，此外還可享有個人化
尊享全球認可的卓越理財地位
的服務，回贈和永久年費豁免
滙豐卓越理財在全球滙豐所在地點均獲認可，並為
您和子女在全球提供全面銀行支援，包括於當地 旅遊保險
國際銀行業務部享有按揭服務和環球理財支援 無憂無慮探索世界，只因您已得到全面保障。您可
根據您的旅行計劃選擇單次旅行保障或全年保障，
其他優惠 兩者保障範圍均具全面、快速理賠批核和24 小時
全球支援
雅思及英語課程折扣：於英國文化協會報讀課程可
享低至88 折
托福考試報名折扣：低至87 折及獲贈托福在綫模擬
考試（TPO）一套

26
開始卓越旅程 環球支援 財富增長管理 醫療保健 生活昇華 專屬禮遇 重要資訊

財富增值
為您度身訂造

無論是短期內達成個人目標，抑或
長遠來說要迎合摯愛所想，都有滙豐卓
越理財全方位幫手，在各種情況下，您均可以
捉緊機遇，增加財富，包括安排專屬支援以配合
您繁忙的行程，專享保費融資服務等。透過一系列
獨特而個人化的理財工具，您可輕鬆改善投資組合的
表現。
27
開始卓越旅程 環球支援 財富增長管理 醫療保健 生活昇華 專屬禮遇 重要資訊

財富管理服務 滙財智富服務
透過香港滙豐流動理財應用程式，或尋找滙豐卓越
專為您而設 理財客戶經理提供支援，對您所持之基金組合進行
個人化分析，了解投 資風險，助您全面優化您的
投資組合
專屬團隊
無論您想實現財務目標，或想建立完善投資組合，
滙豐卓越理財的客戶經理和財富專家將可透過 在手機上進行外匯買賣
各項理財工具和專業知識，在您理財路上出手襄助 外匯限價買賣服務讓您隨時隨地，通過流動同網上
理財兌換外幣*
電子流動及視像平台 透過香港滙豐流動理財應用程式，一站式平台輕鬆
打開香港滙豐流動理財應用程式，按「與客戶經理 管理外幣定期存款，投資外幣良機盡在掌握
及團隊對話」或以Zoom 程式，即可與滙豐卓越理
財客戶經理連繫無間，理財更輕鬆簡便 滙豐交易薈
透過香港滙豐「投資全速易」應用程式或網上理財，

財富籌劃 為您度身制訂 加入股票交易獎勵計劃

我的財富組合
透過網上清晰板面，財富狀況一目了然，並且輕鬆
緊貼您的投資組合。
使用「與我相似的投資者」功能，更可瀏覽我們的
財富教學，以了解並貼近市況的最新投資概念。

* 24/7 實時貨幣兌換服務經滙豐流動及網上理財提供並適用於綜合戶口和港元存摺儲蓄戶口（系統維護期間或特殊情況除外）。
#
受細則約束。請瀏覽hsbc.com.hk/ttc 了解更多。 28
開始卓越旅程 環球支援 財富增長管理 醫療保健 生活昇華 專屬禮遇 重要資訊

財富融資服務 財富傳承
單位信託基金投資融資* 滙豐卓越理財「成才組合」 和 滙豐卓越理財子女
您可利用所持有的單位信託基金進行融資，並尊享 戶口
港元及美元優惠利率及豁免手續費，靈活的現金流 讓子女透過滙豐卓越理財戶口掌握自己的財務，
和更大的投資彈性，幫您捉緊眼前的投資機遇 同時和您一樣，尊享專屬卓越理財款待和禮遇。

保費融資
擁有保障的同時，您可透過保單進行融資，以貸款
支付部分保費，保持手頭流動資金充裕

投資戶口
簡單6 步於香港滙豐流動理財應用程式開立個人
投資戶口，開始投資旅程

由新興市場到世界各地的基金或海外公司債券，
滙豐投資服務均能讓您接通投資世界

我們會因應您的目標和經驗為您提供不同類型的
投資

借定唔借？ 還得到先好借！
* 此服務視乎客戶需要而定，並受制於適當的評估。此服務僅提供予具備有效而適當的風險取向問卷的客戶，並只在分行提供。在投資融資的最壞情況下，該融資或會使您蒙受重大損失；您遭受的
損失可能會超逾初始的自有資金及投資，您亦可能必須全額償還投資貸款。
使用槓桿將提高風險的程度。儘管您所選擇的產品及當中的槓桿投資顯示過往波動處於您所完成風險取向問卷的指示的風險承受能力範圍內，但使用槓桿意味著價格變動的風險更高。相對非槓
桿基礎上的投資產品，投資槓桿會因市場波動及價格變動而增加您的風險。因此，資本價值可能會大幅波動，並且跌幅可能超過您的投資本金，以致您遭受的損失可能超過投資本金。在市場表現
欠佳的情況下，使用槓桿可能會擴大損失。您或需在短時間內投入額外資金以作補倉用途及償還任何未付利息。

29
開始卓越旅程 環球支援
環球支援 財富增長管理
財富增長管理 醫療保健
健康保健 生活昇華
生活昇華 專屬禮遇
專屬禮遇 重要資訊

財富遠見及理財產品
滙豐卓越理財，擁有一站式投資及保險產品，種類 財富遠見
繁多，讓您發揮財富增值優勢。加上各種個性化的 憑著各種財富遠見，為您緊貼投資大環境及市場
財富遠見，讓您緊貼市場發展，保持投資觸覺。 趨勢，並且每月發佈投資特輯「滙豐投資視野」，
均助您作出更明智的投資抉擇
外匯限價買賣
可預先設定目標匯率，設置到價自動換匯或到價 基金及結構性投資產品
提示 一系列投資產品，助您捕捉各種投資機遇，迎合您
投資需要

結構性投資存款配售服務
制訂個人化投資策略，捕捉每個潛在投資良機

30
開始卓越旅程 環球支援 財富增長管理 醫療保健 生活昇華 專屬禮遇 重要資訊

為您的健康
一路護航

滙豐卓越理財讓您與摯愛尊享
全面的醫療保健禮遇，包括專屬
醫療服務，以及預防、保健、治療等
個人化優惠，滿足您和家人的健康需要，
安心享受豐盛人生。

31
開始卓越旅程 環球支援 財富增長管理 醫療保健 生活昇華 專屬禮遇 重要資訊

守護您與家人的健康 健康路途全程支援
滙豐卓越理財的優越保健服務滿足您多重健康 滙豐保險輔助醫療中心的全方位醫療 保健計劃
需要，保障範圍涵蓋體檢、疫苗、視光護理及中醫藥 讓您好好照顧自己、照顧家人
診療等，更可享尊屬體檢優惠和海外留學前驗身
折扣。 透過Well+ 投保人壽產品：「網上投保」挑 戰—
可享高達$500「獎賞錢」
全港私家醫院低至36 折的體檢優惠
受條款及細則約束。
享有超過100 項醫療服務優惠，包括身體檢查、
疫苗接種、激光及眼科保健、以及中醫等

受條款及細則約束。

32
開始卓越旅程 環球支援 財富增長管理 醫療保健 生活昇華 專屬禮遇 重要資訊

體驗更優越
旅遊、餐飲及
時尚品味禮遇

盡享滙豐卓越理財一系列
旅遊、餐飲及時尚品味禮遇，
締造精彩非凡體驗。

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開始卓越旅程 環球支援 財富增長管理 醫療保健 生活昇華 專屬禮遇 重要資訊

憑滙豐卓越理財身分 體驗著名汽車品牌平治的
周遊各國 頂級駕乘體驗
透過Agoda 預訂酒店房間可享低至86 折及75 折 購買平治新車後即享充電額、油券或仁孚售後服務
快閃酒店優惠（每月第24日起快閃優惠至月尾）， 現金券，精選售後服務計劃更有折扣優惠，盡顯
涵蓋日本、韓國、台灣等港人熱門旅遊目的地。 不凡。受條款及細則約束。

透 過指定國泰 網頁預訂機 票，並 於 付款 前 輸入

優惠碼「HSBC800」，可享高達港幣800 元折扣
優惠及可賺取額外800「亞洲萬里通」里數。

單程只需港幣250 元或港幣350 元，即可享用機場

轎車服務，往返指定機場。

受條款及細則約束。

品嚐米芝蓮星級美饌
尊享本港13 間米芝蓮星級餐 廳頂級饗宴體驗。
受條款及細則約束。

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開始卓越旅程 環球支援 財富增長管理 醫療保健 生活昇華 專屬禮遇 重要資訊

盡享滙豐卓越理財
的優越服務

作為滙豐卓越理財的尊貴客戶，
您可盡享多種優先服務及禮遇
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開始卓越旅程 環球支援 財富增長管理 醫療保健 生活昇華 專屬禮遇 重要資訊

滙豐卓越理財中心 櫃位取票及預約
您可到訪全球任何一間滙豐卓越理財中心服務， 滙 豐 卓 越 理 財 全 面 的 櫃 位 電 子 服 務
及透過香港滙豐網站找尋附近的香港分行位置。 （digitalcounterservices.hsbc.com.hk/），帶給您
便捷的櫃位服務體驗，讓您可輕鬆地規劃日程及
善用您的時間。

銀行服務優惠 瀏覽櫃位狀況：可隨時隨地盡覽各滙豐卓越理財
中心的實時櫃位輪候狀況，以便選擇蒞臨合適的
尊享一系列銀行服務費的優惠，包括櫃員機提款、 滙豐卓越理財中心及時間
免費滙豐環球轉賬及匯出 ／匯入電匯等。詳情請
即時取票：於到達所選的滙豐卓越理財中心前遙距
參閱滙豐網站上的「滙豐財富管理及個人銀行業務
預先取票，節省輪候時間
服務費用簡介」。
預約服務：可即日預約滙豐卓越理財中心 之櫃位
#

服務，以享有優先的櫃位服務，毋須為您的行程
外幣預訂服務 安排而煩惱

詳情請瀏覽滙豐香港網站 >滙豐卓越理財 > 滙豐

為下一次旅行尊享預訂外幣服務 卓越理財戶口 > 其他申請方式—「親臨分行開戶」
於您所指定的分行提取您所需的貨幣面額* 部分

您可透過您的滙豐卓越理財客戶經理或致電滙豐
卓越理財熱線預訂新港幣鈔票及禮券

您亦可透過個人網上理財預訂外幣現鈔

* 貨幣面額受庫存情況而定
#
即日櫃位服務可於半日前預約或更改。 36
開始卓越旅程 環球支援 財富增長管理 醫療保健 生活昇華 專屬禮遇 重要資訊

聯絡我們
卓越理財專屬熱線 與客戶經理對話

24 小時專人接聽及自動化電話理財服務，有英文、 您 可 在 營 業 時 間 內，與 您 的 客 戶 經 理 及 團 隊
廣東話及普通話語音以供選擇致電+852 2233 3322 聯絡。服務毋須收費，通訊方式包括「滙 豐流動
理 財」應 用 程 式、滙 豐 網 上 理 財、WhatsApp 及
微信（如適用）。

在非辦公時間，您可在「滙豐流動理財」應用程式
及滙豐網上理財，以「線上對話」功能聯絡客戶服務
主任，我們會24/7全天候支援您的理財需要。

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開始卓越旅程 環球支援 財富增長管理 醫療保健 生活昇華 專屬禮遇 重要資訊

重要風險通知
• 基金、債券、存款證及結構性投資產品（包括股票掛鈎投資、結構投資 • 如你打算出售經滙豐代你購入的債券╱存款證，滙豐可在正常市場下，按
票據、高息投資存款、結構投資存款及保本投資存款）並不相等於定期 市價進行有關交易。但基於市場變動，賣出價與原定的買入價可能不同。
存款。基金、債券及個別結構性 產品乃投資產品而部分基金及 結構性
產品涉及金融衍生工具。投資決定是由閣下自行作出的，但閣下不應投資， • 倘若你選擇將債券╱存款證所支付的付款兌換為本地貨幣，可能須承受
除非中介人於銷售該產品時已向閣下解釋經考慮閣下的財務情況、投資 匯率波動的風險。
經驗及目標後，該類產品是適合閣下的。 • 發行人提供的二手市場或不能提供龐大的流通量或按對持有人有利之
• 證券╱結構性投資產品價格可升可跌，甚至可能變成毫無價值。買賣證券╱ 價格買賣。
結構性投資產品均可帶來虧損或盈利。 • 如債券╱存款證被提早贖回，你轉而購買其他產品，你未必能取得相同
• 在最壞的情況下，產品價值或會大幅地少於你所投入的金額（在極端的 回報。
情況下，你的投資可能會變成沒有價值）。

• 發行人風險— 債券、存款證及結構性投資產品的表現受發行者的實際及 高息投資存款

預計借貸能力所影響。就償債責任而言，產品不保證發行人不會拖欠債務。
於最壞情況下，如發行者破產，閣下可能無法收回任何本金或利息╱票息。 • 並非定期存款—高息投資存款並不等同，亦不應被視為定期存款的代替
品。本產品並不屬於受保障存款及不會受香港的存款保障計劃所保障。
• 投資者不應僅根據此資料而作出投資決定。
• 衍生工具風險—高息投資存款內含外匯期權。期權交易涉及風險，特別
• 投資涉及風險。產品的過往業績數據並非未來業績的指標。欲知產品的 是出售期權。雖然出售期權所收取的期權金為固定，閣下仍可能蒙受超過
詳情、有關費用及風險因素，請參閱銷售文件及╱或有關文件。 該期權金的損失，且閣下可能有重大損失。
• 貨幣兌換風險— 外幣和人民幣產品╱存款的價值需承受因匯率波動而 • 潛在收益有限—最高潛在收益為存款利息。
產生的風險。倘若你選擇將產品所支付的外幣和人民幣兌換為其他貨幣
時的匯率較當初兌換外幣和人民幣時的匯率為差，則可能會因而蒙受 • 最大潛在虧損—高息投資存款並非保本產品。倘存款於到期時被轉換為
本金╱投資損失。 掛鈎貨幣，閣下有可能因支付的貨幣貶值而招致損失。此等損失可能會
抵銷存款所賺取的利息，甚至導致本金虧損。
• 鑑 於人民幣收益工具現時並無定期交易及 活躍的二手市場，投資該等
產品或存在流動資金風險。人民幣收益工具的買價和賣價的差價可能 • 有別於買入掛鈎貨幣—投資於高息投資存款有別於直接買入掛鈎貨幣。
很大，因此，投資者可能承擔重大的交易及變現成本及可能因此而招致
• 市場風險—高息投資存款的淨回報須視乎於釐定日釐定時間存款貨幣兌
虧損。
掛鈎貨幣的匯率而定。匯率的變動可能出乎預料、突如其來而且幅度龐大，
• 認股證及牛熊證產品並無抵押品。認股證及╱牛熊證價格可升可跌，投資 並受複雜的政治及經濟因素影響。
者或損失所有投資。投資前應了解產品風險，若需要應諮詢專業建議。
• 流通性風險—高息投資存款乃為持有至到期而設。閣下無權在到期前
• 有關其他風險因素，請參閱「風險披露」部分。 要求提早終止本產品。在特殊情況下，本行有權利及完全酌情因應個別
情況決 定接受你的提早贖回申請。接獲有關申請後，本行將 提 供參考
贖回價格。提早贖回時的回報可能低於存款一直存放至到期日的回報，
亦有可能出現負回報。
風險披露
• 銀行的信貸風險—高息投資存款並無以任何抵押品作抵押。當閣下購買
基金 本產品，閣下將承擔銀行的信貸風險。如銀行無力償債或未能履行其於
本產品下的責任，閣下只可以銀行的無抵押債權人身份提出申索。在最壞
• 在最壞的情況下，產品價值或會大幅地少於你所投入的金額（在極端的 情況下，閣下可能損失閣下的全部存款金額。
情況下，你的投資可能會變成沒有價值）。
• 貨幣風險— 倘存款貨幣及 ╱或掛鈎貨幣並非閣下的本土貨幣，而閣下
• 投資於某種市場之基金（例如：新興市場、商品市場、小型企業等）可能 於到期後選擇將其兌換成閣下的本土貨幣，則閣下有可能因匯率波動而
會涉及較高風險，並通常對價格變動較敏感。 獲得收益或招致虧損。
• 信貸風險╱利率風險— 投資於固定收益證券的基金的價值可因利率 • 有關人民幣的風險—謹請閣下注意，人民幣兌其他外幣的價值會有波動，
變動而下跌，並須承受發行人可能不支付證券款項的信貸風險。由於投資 並將受（其中包括）中國政府的管制（例如，中國政府規管人民幣與外幣
於金融衍生工具，基金價格可能更為波動，及可能承受相比傳統證券更大 之間的兌換）所影響，而有關管制或會在閣下將人民幣兌換為閣下的本土
程度的風險。 貨幣時對閣下於本產品的回報有不利影響。人民幣存款的價值需承受因
匯率波動而產生的風險。倘若閣下選擇將人民幣存款兌換為其他貨幣時
• 交易對方風險— 倘基金買賣並非 於認可交易所買賣的金融衍生工具
的匯率較當初兌換人民幣時的匯率為差，則可能會因而蒙受本金損失。
合約，則會因有關交易對方而蒙受信貸風險。該等工具並無給予適用於
本產品是在香港發行的以人民幣計值（如人民幣為存款貨幣）及結算（當
在組織完善的交易所買賣金融衍生工具的參與者的保障（例如交易結算
到期時收取人民幣）產品，該人民幣計值與在中國內地的人民幣計值存
公司的履約保證）。與基金買賣有關工具的交易對方可能無力償債、破產
在差異。
或違約，屆時或會令基金承受重大損失。

人民幣產品
債券╱存款證
• 倘若你選擇將人民幣產品所支付的人民幣付款兌換為本地貨幣，可能須
• 債券╱存款證主要是中長期的固定收益產品，並不是短線投機的工具。
承受匯率波動的風險。
你應準備於整段年期內將資金投放於債券╱存款證上。若你選擇在到期
日之前提早出售債券╱存款證，可能會損失部分或全部的本金額。 • 人民幣產品可能因所涉及的投資並無活躍的二手市場，而導致較大的
買賣差價，投資者須承受較大的流動性風險及可能因此而招致虧損。
• 滙豐提 供債券╱存款證的參考價格，其價格可能會及確 會波動。影響
債券╱存款證╱價格的因素包括，但不限 於利率、信 貸息差及 流通性 • 一般而言，人民幣股票產品同樣面臨可能與以其他貨幣計價股票產品
溢價的波動。而孳息率的上落對越長年期的債券╱存款證價格影響一般 相關的常見違約風險。
較大。買賣債券╱存款證帶有風險，投資者未必能夠賺取利潤，可能會
招致損失。 • 投資於人民幣債務工具，投資者須承受利率波動風險，這可能影響產品的
回報及表現。
• 債券╱存款證的利息和本金是由發行者償還，債券╱存款證持有人須承擔
發行者的信貸風險。如果發行者不履行契約，債券╱存款證持有人可能 • 若你選擇在到期日之前提早出售人民幣債券，可能會損失部份或全部的
無法取回債券╱存款證的利息和本金。在此情況下，債券╱存款證持有人 本金額。
不能向滙豐追討任何賠償，除非滙豐本身為該債券╱存款證之發行者。

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開始卓越旅程 環球支援 財富增長管理 醫療保健 生活昇華 專屬禮遇 重要資訊

證券交易

• 證券價格有時可能會非常波動。證券價格可升可跌，甚至變成毫無價值。
買賣證券未必一定能夠賺取利潤，反而可能會招致損失。

中國 A 股
• 透過滬港通及深港通投資中國A 股涉及風險。你應就本身的投資經驗、
投資目標、財政資源及其他相關條件，小心衡量自己是否適合參與本資料
概要提及的任何投資產品或服務。證券價格可升可跌，買賣證券可導致
虧損或盈利。

• 如欲了解更多資料，你應參閱「中華通— 滬港通及深港通條款及細則」
的風險披露及其他條款。

貨幣兌換

• 外幣和人民幣存款的價值需承受因匯率波動而產生的風險。倘若你選擇
將外幣和人民幣存款兌換為其他貨幣時的匯率較當初兌換外幣和人民幣
存款時的匯率為差，則可能會因而蒙受本金損失。

存款保障計劃
• 滙豐卓越理財╱滙豐 One 的往來戶口、儲蓄戶口及 定期戶口（存款期
最長為五年）內的存款，符合香港存款保障計劃的保障資格。

貨幣兌換及投資涉及風險。
借定唔借？還得到先好借！

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