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The Hongkong and Shanghai Banking Corporation Limited
The Hongkong and Shanghai Banking Corporation Limited
Official site
www.hsbc.com.hk
Last verified
19 Oct 2026
Credit cards
9
Personal loans
5
Traditional bank accounts
2
Brokerage accounts
3
Credit cards
9
The Hongkong and Shanghai Banking Corporation Limited
HSBC Visa Signature Card
Annual fee
HK$2,000
Purchase APR
35.42%
Minimum income
HK$240,000
2.4%
Rewards of Your Choice category spending
1.2%
All categories (exclusive extra rebate under the Red Hot Rewards of Your Choice programme)
Annual fee waiver
First 2-year annual fee waived
Source: HSBC Visa Signature Card
Updated
19 Oct 2026
The Hongkong and Shanghai Banking Corporation Limited
HSBC Visa Gold Card
Annual fee
HK$600
Purchase APR
35.42%
Minimum income
HK$60,000
2.4%
Rewards of Your Choice category spending (up to 6X RewardCash)
Annual fee waiver
First 2-year annual fee waiver
Source: Visa Gold Card
Updated
19 Oct 2026
The Hongkong and Shanghai Banking Corporation Limited
HSBC UnionPay Dual Currency Credit Card
Annual fee
HK$300
Purchase APR
35.42%
Minimum income
HK$60,000
2.4%
Red Hot Rewards of Your Choice with Overseas and Mainland China Spending as preferred categories
Annual fee waiver
First 2-year annual fee waiver
Source: HSBC UnionPay Dual Currency Card
Updated
19 Oct 2026
The Hongkong and Shanghai Banking Corporation Limited
HSBC Visa Gold Card for Students
Annual fee
Perpetual annual fee waiver
Purchase APR
35.42%
Minimum income
To be verified
2.4%
Tuition fee payments · ≤HK$200
2.4%
Rewards of Your Choice category spending
Annual fee waiver
Perpetual waiver of annual fees
Source: Visa Gold Card for Students
Updated
19 Oct 2026
The Hongkong and Shanghai Banking Corporation Limited
HSBC Red Credit Card
Annual fee
Perpetual annual fee waiver
Purchase APR
35.42%
Minimum income
HK$120,000
8%
Designated overseas and local merchants (first HKD1,250 spent each calendar month)
4%
Online spending (first HKD10,000 each calendar month)
Annual fee waiver
Perpetual waiver of annual fees with no spending limits required
Source: HSBC Red Credit Card
Updated
19 Oct 2026
The Hongkong and Shanghai Banking Corporation Limited
HSBC Premier Mastercard
Annual fee
Perpetual annual fee waiver
Purchase APR
35.42%
Minimum income
To be verified
2.4%
Rewards of Your Choice category spending
Annual fee waiver
Perpetual waiver of annual fees with no spending limits required
Source: HSBC Premier Mastercard
Updated
19 Oct 2026
The Hongkong and Shanghai Banking Corporation Limited
HSBC EveryMile Credit Card
Annual fee
HK$2,000
Purchase APR
35.42%
Minimum income
HK$240,000
0.5
Designated everyday and travel spend (selected café and light meals, local transportation, cross-border transportation and travel services)
0.2
Local and overseas spending (general spend)
Annual fee waiver
First year annual fee waived
Source: HSBC EveryMile Credit Card
Updated
19 Oct 2026
The Hongkong and Shanghai Banking Corporation Limited
HSBC easy Credit Card
Annual fee
HK$1,800
Purchase APR
35.42%
Minimum income
HK$120,000
2.4%
Rewards of Your Choice category spending
2.4
PARKnSHOP, Watsons, and Fortress spending with MoneyBack VIP membership (6X MoneyBack Points)
Annual fee waiver
First 2-year annual fee waived
Source: HSBC easy Credit Card
Updated
19 Oct 2026
The Hongkong and Shanghai Banking Corporation Limited
HSBC Pulse UnionPay Dual Currency Diamond Credit Card
Annual fee
HK$1,800
Purchase APR
35.42%
Minimum income
HK$120,000
2%
QR code payment or mobile payment in mainland China and Macau (extra rebate)
2.4%
Red Hot Rewards of Your Choice category spending
Annual fee waiver
First 2-year annual fee waived
Source: HSBC Pulse Dual Currency Card
Updated
21 Sep 2026
Personal loans
5
The Hongkong and Shanghai Banking Corporation Limited
HSBC Revolving Credit Facility
APR from
21.75%
–26.13%
Loan amount
HK$5,000–HK$3,000,000
Monthly flat rate
To be verified
Tenor
No fixed repayment period
Source: HSBC Revolving Credit Facility
Updated
5 Oct 2026
The Hongkong and Shanghai Banking Corporation Limited
Personal Instalment Loan Redraw
APR from
17.83%
–28.26%
Loan amount
Up to 100% of the repaid loan principal; minimum redraw amount HK$3,000
Monthly flat rate
0.78%–1.13% (tiered by new loan amount)
Tenor
6–60
Source: HSBC Instalment Loan Redraw
Updated
5 Oct 2026
The Hongkong and Shanghai Banking Corporation Limited
HSBC Personal Instalment Loan
APR from
1.88%
–31.71%
Loan amount
HK$5,000–HK$3,000,000 (maximum of HK$3,000,000 or 23x monthly salary, whichever is lower)
Monthly flat rate
0.1% (promotional monthly flat rate for selected customers with approved loans of HK$1,500,000 or above, calculated on a 12-month tenor)
Tenor
6–60
Source: HSBC Personal Instalment Loan
Updated
5 Oct 2026
The Hongkong and Shanghai Banking Corporation Limited
HSBC Electric Vehicle Personal Instalment Loan
APR
To be verified
Loan amount
HK$5,000–HK$3,000,000 (capped at the lowest of HK$3,000,000 23x monthly salary, or the price of the electric vehicle)
Monthly flat rate
0.1%
Tenor
12–60
Source: HSBC EV Personal Instalment
Updated
5 Oct 2026
The Hongkong and Shanghai Banking Corporation Limited
HSBC Personal Instalment Loan Balance Consolidation Program
APR from
23.46%
–23.60%
Loan amount
HK$5,000–HK$3,000,000 (up to 23x monthly salary or HK$3,000,000 whichever is lower)
Monthly flat rate
0.99%
Tenor
12–84
Source: HSBC Balance Consolidation
Updated
5 Oct 2026
Traditional bank accounts
2
The Hongkong and Shanghai Banking Corporation Limited
HSBC Premier
Account type
HSBC Premier Bank Account
Minimum balance
HK$1,000,000 (Total Relationship Balance, average over the past three months)
Maintenance fee
To be verified
Interest
To be verified
Maintenance fee waiver
New Premier customers get a Below Balance Fee waiver for the first six months when their TRB falls below HKD1,000,000
Current offers:
Rewards worth over HKD55,000 plus a 6-month Below Balance Fee waiver
（Until
31 Dec 2026
）
Source: HSBC Premier
Updated
19 Oct 2026
The Hongkong and Shanghai Banking Corporation Limited
HSBC One
Account type
HSBC One all-in-one integrated account
Minimum balance
Accounts opened using an HKID: no minimum Total Relationship Balance; separate conditions apply to non-HKID customers
Maintenance fee
HK$100
Interest
To be verified
Maintenance fee waiver
The HKD100 monthly Below Balance Fee for non-HKID holders is waived when an average TRB of HKD10,000 is maintained for 3 consecutive months; HKID customers are not subject to the fee
Source: HSBC One
Updated
19 Oct 2026
Brokerage accounts
3
The Hongkong and Shanghai Banking Corporation Limited
HSBC Trade25
Markets
HK stocks
US stocks
China A stocks
Zero commission
HK HK$0
HK 0.25%
US US$0
US US$18
CN-A CN¥0
CN-A 0.25%
Minimum deposit
To be verified
Regulator
The Hongkong and Shanghai Banking Corporation Limited is a registered institution under the Securities and Futures Ordinance; CE AAA523
Source: HSBC Trade25
Updated
19 Oct 2026
The Hongkong and Shanghai Banking Corporation Limited
Stocks
Markets
Hong Kong stocks
US stocks
China A shares
Commission
HK 0.25%
US US$18
CN-A 0.25%
Minimum deposit
To be verified
Regulator
The Hongkong and Shanghai Banking Corporation Limited is a registered institution under the Securities and Futures Ordinance; CE AAA523
Source: HSBC Investment Account - Stock Trading
Updated
19 Oct 2026
The Hongkong and Shanghai Banking Corporation Limited
Margin Trading
Markets
HK stocks and ETFs — up to 70% advance ratio
US stocks and ETFs — up to 70% advance ratio
Commission
3.8%
2.6%
0%
1.0%
0.80%
Minimum deposit
To be verified
Regulator
The Hongkong and Shanghai Banking Corporation Limited is a registered institution under the Securities and Futures Ordinance; CE AAA523
Source: HSBC Margin Trading
Updated
21 Sep 2026
