BusinessVantage - Notes / Terms and Conditions

Risk Disclosure

  • A unit trust is NOT equivalent to a time deposit.
  • In the worst case scenario, the value of the funds may worth substantially less than the original amount you invested (and in an extreme case could be worth nothing).
  • Investment involves risks. Past performance is no guide to future performance of the funds.
  • The value of investments and the income from them can fluctuate and is not guaranteed. Investor may not get back the amount they invest.
  • Investment returns not denominated in HKD or USD are exposed to exchange rate fluctuations. Rates of exchange may cause the value of investments to go up or down.
  • Please refer to the offering documents of the respective funds for details, including risk factors.
  • The contents of this document have not been reviewed by the Securities and Futures Commission.


  1. Investment involves risks. The information in this document does not constitute an offer to sell or solicitation for the purchase or sale of any deposit or investment in any products referred to herein. The price of investments may move up or down. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling investment products.

  2. Applicable to USD/HKD/RMB telegraphic transfers from a company account of HSBC in Hong Kong to HSBC account in mainland China (with a cut-off time of 4:30 pm for USD/HKD remittances and 3:30pm for RMB remittances); USD/HKD telegraphic transfers from a company account of HSBC in Hong Kong to HSBC account in Taiwan and Macau (with a cut-off time of 4:30 pm) and to an account in the designated Bank of Communications branches in 97 cities across mainland China (with a cut-off time of 4 pm); and from Monday to Friday (except public holidays). Customers must place their instructions via HSBCnet or Business Internet Banking, and the beneficiaries must be a company (an onshore company in case of remittance to mainland China). Please visit the HSBC website or contact any HSBC branches for further details on this service’s terms and conditions.

  3. This service is only applicable to eligible customers. Loan application is subject to the Bank’s usual credit assessment approval procedure. The Bank reserves the right to amend the interest rate, fees and charges, benefits, terms and conditions without prior notice.

  4. Auto-sweeping
    This service may not be offered under certain conditions, such as when there is an outstanding amount in your HSBC Business Direct Secured Credit Facility or other credit facilities under your HSBC Business Direct account. No Unauthorised Overdraft (UOD) handling charge will be collected by the Bank if the auto-sweeping is effected successfully. However, interest shall accrue on the debit balance from the date the current account became overdrawn to the date of full payment thereof at the same rate(s) as applicable to the Overdraft Protection and/or any unauthorised overdraft (as the case may be). Interest on unauthorised overdraft is calculated at HSBC's Best Lending Rate (BLR) + 8% per annum.

  5. Overdraft Protection
    You can enjoy this service provided an average deposit balance of HK$100,000 is maintained in the previous month under HSBC Business Direct. Other conditions may also apply. Interest is calculated at the HSBC's Best Lending Rate (BLR) + 5% per annum.

  6. This facility is applicable to selected trade and guarantee products.
    Certificates of Deposits, Deposit Plus, Structured Investment Deposits and locally quoted shares will be accepted as secured assets, effective 18 September 2010.


The Bank reserves the right to vary, suspend or cancel any features / offers and the relevant terms and conditions of BusinessVantage at any time. In the event of any disputes, the decision of the Bank on all matters shall be final.

In case of any discrepancies between the English and Chinese versions, the English version shall prevail

Related products and services

Get started

  • Form Download Centre
  • How to apply
  • How to apply

    Applying for a BusinessVantage account is simple and easy.

    • Apply online or call our dedicated hotline to make an appointment with a nearby HSBC Business Centre for account opening
    • Bring along complete account opening documents and initial deposit to our HSBC Business Centre
    • Upon receipt of all the required information and documentation from your company and completion of application form, your application will be immediately processed and reviewed

    • Successful application is upon the Bank's satisfactory review, and will be notified via SMS to your designated phone number
    • An account opening packet (including the Business Internet Banking security device, Business Debit Card, Phonebanking PIN and all other PIN number) will be sent to you via courier after successful account setup
    • In case of query, please feel free to contact us at our Commercial Banking general hotline 2748-8288

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