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Structured products

Capture global opportunities and explore sound investment plans with HSBC's Structured products.The products are launched by HSBC Bank (China).

Key benefits

  • Different capital protection levels: Your investment will receive 100% or partial (e.g. 90%) capital protection at maturity, helping you control the investment risk to a certain extent.
  • Capture global investment opportunities: Investment return is usually linked to one or more indices, securities, foreign exchange rates and/or other financial assets in global markets such as the US, Europe and Asia, helping you achieve a potential return on your investment.
  • Diversified structure for investment return: Offers a variety of revenue disbursements and payoffs, with diversified investment tenor, satisfying your specific investment needs.

How to invest

HSBC Personal Internet Banking

You will need a Security Device or two-factor authentication to log on and apply.

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HSBC China Mobile Banking

Scan QR code below to download HSBC China Mobile Banking APP. Investment plans are all on your hand.

How to use HSBC CPI online platform?

Please refer to the Structured Investment Products Description Pack for related capital risk.

Most recent structured investment products

Related info

Operating mechanism of structured products

We will invest a major amount of your initial invested capital (in structured product(s)) into relatively safe assets, such as money market instruments or treasury bonds, to ensure 100% or partial capital protection (i.e. 90%) at maturity. The potential return (if any) will come from investment of the remaining portion of your initial investment amount (in derivative product(s)), by trading options in the global financial market.

Reference illustration of differences on investment at start date and possible return and capital at maturity date

Product risk rating

*Ranges from 1 (low risk) to 5 (very high risk)

Risk rating Conservative Cautious Stable Balanced Adventurous Speculative
Risk level of available products N/A <=1 <=2 <=3 <=4 <=5

It depends on the stipulation of the product contract.

Risk reminder

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

Principal risk and return risks

Structured products 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.

Product information disclosure

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 Personal Internet Banking or by mail according to your request.
  • Composite Statement: Composite Statement is provided in Personal Internet 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 Personal Internet 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.

Product performance and issued product catalogue

Find out more by:

Logging on to your Personal Internet Banking to check the detailed performance reports. 

You can also click the following links for interim and maturity performance reports.

For product catalogue of issued structured investment, please follow the below link:

Operating mechanism of structured products

We will invest a major amount of your initial invested capital (in structured product(s)) into relatively safe assets, such as money market instruments or treasury bonds, to ensure 100% or partial capital protection (i.e. 90%) at maturity. The potential return (if any) will come from investment of the remaining portion of your initial investment amount (in derivative product(s)), by trading options in the global financial market.

Reference illustration of differences on investment at start date and possible return and capital at maturity date

Product risk rating

*Ranges from 1 (low risk) to 5 (very high risk)

Risk rating Conservative Cautious Stable Balanced Adventurous Speculative
Risk level of available products N/A <=1 <=2 <=3 <=4 <=5

It depends on the stipulation of the product contract.

Risk reminder

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

Principal risk and return risks

Structured products 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.

Product information disclosure

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 Personal Internet Banking or by mail according to your request.
  • Composite Statement: Composite Statement is provided in Personal Internet 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 Personal Internet 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.

Product performance and issued product catalogue

Find out more by:

Logging on to your Personal Internet Banking to check the detailed performance reports. 

You can also click the following links for interim and maturity performance reports.

For product catalogue of issued structured investment, please follow the below link:

Find more about

Our Strategic Retail Brokerage Platform - Structured Products provides you with a convenient and flexible way to manage your investment.

  • Global opportunities: With a wide range of choices including index/ETF linked products, we offer you a platform to capture global opportunities
  • Convenient to use: Real-time performance tracking of underlying assets (providing updates on major indices, foreign exchange rates, interest rates and commodity prices)*
  • Detailed user guide: Learn more by watching the video guide

*You need to complete your first transaction at one of our branches, before you can begin any online transaction.

*You should choose products after assessing your risk tolerance level. For other terms and conditions, please refer to this platform.

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

Opening hours: Monday-Friday, 9.30am-4.30pm (Some branches may provide limited weekend service) 

This investment product is available all year round. The Trade Date should be a Business Day in mainland China,  Hong Kong and the principal banking centre of the country of issurance of the Investment Currency (including dealings in foreign exchange and foreign currency deposits).

In today’s fast-paced financial world, the only way to stay ahead is to be on top of current market events. Tap into our unique market insights and investment analysis to stay informed about the latest trends and regional news with just a few clicks.

Our Strategic Retail Brokerage Platform - Structured Products provides you with a convenient and flexible way to manage your investment.

  • Global opportunities: With a wide range of choices including index/ETF linked products, we offer you a platform to capture global opportunities
  • Convenient to use: Real-time performance tracking of underlying assets (providing updates on major indices, foreign exchange rates, interest rates and commodity prices)*
  • Detailed user guide: Learn more by watching the video guide

*You need to complete your first transaction at one of our branches, before you can begin any online transaction.

*You should choose products after assessing your risk tolerance level. For other terms and conditions, please refer to this platform.

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

Opening hours: Monday-Friday, 9.30am-4.30pm (Some branches may provide limited weekend service) 

This investment product is available all year round. The Trade Date should be a Business Day in mainland China,  Hong Kong and the principal banking centre of the country of issurance of the Investment Currency (including dealings in foreign exchange and foreign currency deposits).

In today’s fast-paced financial world, the only way to stay ahead is to be on top of current market events. Tap into our unique market insights and investment analysis to stay informed about the latest trends and regional news with just a few clicks.

Frequently asked questions

The information shown in this website does not contain any contract value, and should not be regarded as any offer, solicitation or recommendation to conduct any investment, subscriptions or purchase of any financial planning or products. If you plan to make anyinvestment, please ask for relevant legal documents from the Bank, and any rights and obligations of the product will be subject to the legal documents. Wealth management is not equal to deposit. Please be aware of the risks associated with the product and make prudent investment decisions.

Capital protected structured products are investments, providing 100% capital protection at product maturity of the principal invested. Capital protected structured products do NOT guarantee investment returns or profit on principalYou should fully understand the investment risk and act prudently in making the investment decision.

Structured investments with 100% capital  protection and minimum ivestment coupon at maturity are capital protected investment products with certain guaranteed return. You will only receive the principal and returns (if any) at product maturity as per the expressed stipulation of the applicable terms and conditions. You should fully understand the investment risk and act prudently in making the investment decision.

Structured investments with partial capital protection at maturity are non-capital protected investment products with floating returns involving investment risks. Only part of your principal investment is protected and you may suffer significant losses due to market fluctuations. You should fully understand the investment risk and act prudently in making the investment decision.

Unlike traditional deposits, structured investments have an investment element and returns may vary. You may receive low or no return for the entire tenor of the structure investment. If you invest in partial capital protected structured investment products, you may even lose part of the invested capital for the entire tenor of the structured investment.

If the investment currency or the linked currency is not your base currency, and you choose to convert the investment proceeds back to your base currency at maturity, your returns could be affected negatively or positively due to exchange fluctuations. If you have to exchange from other currencies into the investment currency for the purpose of wealth management, there is also foreign exchange risk in this as well.

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