Certificates of Deposit

Why are Certificates of Deposit right for you?

Fixed income investment which offers a guaranteed interest paid regularly or at redemption.
Generally offers a higher interest rate than normal savings accounts or time deposits.
The principal is returned in full on maturity.

Features

All Certificates of Deposit (CDs) issued by HSBC have excellent credit ratings, Aa3 by Moody's and AA- by Standard & Poor's
Loan advance ratio up to 100% for maximum financial flexibility
Flexible investment choices for customers investing with a minimum investment amount as low as USD10,000
Be the first in line for opportunities with our eIPO Centre
See our full list of Certificates of Deposit with prices

Other useful information and services

Disclaimer
The price of CDs can and does fluctuate, and any individual CD may experience upward or downward movements, and may even become valueless. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling CDs.You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your risk appetite, investment experience, objectives, financial resources and circumstances.

This information is not and should not be construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any investment. HSBC has based this list on information obtained from sources it believes to be reliable but which it has not independently verified. HSBC makes no guarantee, representation or warranty and accepts no responsibility or liability as to its accuracy or completeness. The information is subject to change without notice.

Important Note

You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and circumstances.

Certificates of Deposits are NOT equivalent to time deposits. Certificates of Deposits are NOT protected deposits and are not protected by the Hong Kong Deposit Protection Scheme. The repayment of it is also not guaranteed by the Hong Kong SAR Government's Exchange Fund.

Investment involves risks. Past performance of investment products are no guide to future performance. The value of investments and the income from them can fluctuate and is not guaranteed. Investors may not get back the amount they invest.

Investment returns not denominated in home currency are exposed to exchange rate fluctuations. Rates of exchange may cause the value of investments to go up or down.

Issuer's Risk -– you rely on issuer's creditworthiness. The product is subject to both the actual and perceived measures of credit worthiness of the issuer. There is no assurance of protection against a default by the issuer in respect of the repayment obligations. In the worst case scenario (e.g. insolvency of issuer), the investor might not be able to recover the principal and/or any interest /coupon (if any) and the potential maximum loss could be 100% of investment amount and no interest/coupon received.

Next steps

Certificates of Deposit Price Finder
Call 2748 8282

The way to Smarter Banking

To help you make the most of your business opportunities, we have a range of convenient and professional banking channels to suit your needs.

Business Internet Banking
HSBCnet
Business Phonebanking
SME Centres
Express Banking
Commercial Transaction Centres

One Stop Financial Services

Wherever you are in the world, HSBC's Commercial Banking account provides the flexibility your business needs:

All-in-one bank account meet your core business banking needs
7 x 24 Internet banking, ATM & phonebanking
Standby & revolving line