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Wealth lending

Seize opportunities without cashing out on existing investments

Maximise your financial flexibility with our wealth lending products

Our Wealth Portfolio Lending loans give you access to extra funds so you can capitalize on market opportunities as they arise.


Plus, you can use the loan for your personal liquidity needs. 


The loan is secured against your existing eligible assets acceptable to the Bank. The effective credit limit granted is dependent on type of assets pledged and will be subject to bank's approval.

Ready to apply? Find out if you're eligible for our Wealth Portfolio Lending facility.

Enjoy extra flexibility without extra fees

Wealth Portfolio Lending

A Wealth Portfolio Lending loan is secured against your eligible assets. You can use as little or as much as you need within your effective credit limit. Plus, you can borrow in major currencies including SGD, USD, AUD, GBP, EUR and HKD.

Other wealth lending benefits

  • Flexible repayment
    There's no minimum drawdown or minimum monthly repayments.
  • Stay liquid without cashing out
    Whether you're looking to venture into new investments, treat yourself or settle any unexpected expenses, you can access extra funds without liquidating your existing investments.
  • Wide range of accepted collateral
    Secure a loan against a range of eligible assets like unit trusts, bonds, equities and time deposits held with HSBC.
  • Attractive interest rates
    Interest is calculated on a daily basis, and you’ll only pay interest on the amount you use. A minimum of interest charge of 10 per month (in respective loan currency) applies. If the facility is not utilised, no interest will be charged. Rates are not fixed and are subject to change from time to time.

How wealth lending works

The Wealth Portfolio Lending loan is secured against your existing eligible assets. You can use the wealth lending loan:

  • to specifically invest in selected investments
  • for a specific reason
  • as a stand-by line of credit

For Wealth Portfolio Lending, the investments you subscribed to or purchased using this facility cannot be pledged to increase your effective credit limit.

The effective credit limit on your loan is based on the Advance Ratio of each eligible asset.

HSBC wealth lending accounts

After you've been approved for our wealth lending facility, we'll open an HSBC Wealth Portfolio Lending Account where you can access your funds. The assets in your Wealth Portfolio Investment Account will be used as collateral for the loan.

What's an Advance Ratio?

An Advance Ratio (AR) is a predefined set of loan ratios assigned to each eligible asset. It includes the Concentrated AR, Diversified AR and Residual AR. It will build up from the eligible asset's Concentrated AR, and it will be adjusted using the Residual AR up to the value attributed at the Diversified AR, as shown in the following table.

If your portfolio is diversified, you may get a higher Advance Ratio. You can ask your Relationship Manager for more details.

If your eligible asset is held in a different currency from the lending account currency, we'll apply a minimum of 10% cross-currency margin reduction amount from your effective credit limit.

Please ask your Relationship Manager for a list of acceptable unit trusts, bonds and equities.

How to apply

Who can apply?

Before you apply for a Wealth Portfolio Lending facility, you need to be:

  • an HSBC Premier customer
  • a resident of Singapore or another eligible country2

Not an HSBC Premier customer yet? Learn more about HSBC Premier.

Apply now

To apply for a Wealth Portfolio Lending facility, call us on:

+65 6227 8889 (or on 1800 HSBC Now (4722 669) if you're calling from abroad)

Or, get in touch with your Relationship Manager to discuss the assets you'd like to pledge and submit your loan application.

You can also visit your nearest branch.

What happens next?

You'll then receive confirmation of your Effective Credit Limit within the next few working days, and you can start using your funds straight away.

Important information

Deposit Insurance Scheme

Deposits in Singapore dollars by non-bank depositors are insured by the Singapore Deposit Insurance Corporation for up to SGD75,000 in aggregate per depositor, per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.


This web site is for information only and should not be construed as an offer, solicitation or recommendation of any product or service. The information contained on this web site is intended for Singapore residents only and should not be construed as an offer, solicitation or recommendation of any product or service in any jurisdiction where such activities would be unlawful under the laws of such jurisdiction, in particular the United States of America and Canada.

Frequently Asked Questions

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1. Interest rate is determined by the Bank and takes into consideration various factors including, but not limited to, costs of borrowing, internal business costs and market conditions. For more information on the pricing, please contact your Relationship Manager.

2. For the most up-to-date residency and citizenship criteria, please get in touch with us before you apply.

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