Company: HBCYF
Filing Date: 2025-11-03
Form Type: 424B5
Source: 0001193125-25-261738
Chunk: 61

Company: HSBC HOLDINGS PLC
Filing Date: 2025-11-03
Form: 424B5
Chunk 61
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5 (the “Issue Date”) among us, the trustee, and HSBC Bank USA, National Association, as paying agent, registrar and calculation agent (the
Base Indenture, together with the thirty-seventh supplemental indenture, the “Indenture”), which will be filed as an exhibit to a report on Form 6-K on or about the Issue Date, and which will be
incorporated by reference in the Registration Statement.

If you purchase the Notes, your rights will be determined by the Notes, the
Indenture and the Trust Indenture Act of 1939, as amended (the “Trust Indenture Act”). You can read the Indenture and the form of Notes at the location listed under “Where You Can Find More Information About Us.”

The 2031 Fixed/Floating Rate Notes will be issued in an aggregate principal amount of $2,250,000,000, and, unless previously redeemed or
otherwise cancelled as described under “—Redemption,” the 2031 Fixed/Floating Rate Notes will mature on November 6, 2031 (the “2031 Fixed/Floating Rate Notes Maturity Date”).

The 2036 Fixed/Floating Rate Notes will be issued in an aggregate principal amount of $2,250,000,000, and, unless previously redeemed or
otherwise cancelled as described under “—Redemption,” the 2036 Fixed/Floating Rate Notes will mature on November 6, 2036 (the “2036 Fixed/Floating Rate Notes Maturity Date”).

The Floating Rate Notes will be issued in an aggregate principal amount of $500,000,000, and, unless previously redeemed or otherwise
cancelled as described under “—Redemption,” the Floating Rate Notes will mature on November 6, 2031 (the “Floating Rate Notes Maturity Date”).

The Notes will be issued only in registered form in minimum denominations of $200,000 and in integral multiples of $1,000 in excess thereof.

Interest

2031 Fixed/Floating Rate Notes

From (and including) the Issue Date to (but excluding) November 6, 2030 (the “2031 Fixed/Floating Rate Notes Fixed Rate
Period”), interest on the 2031 Fixed/Floating Rate Notes will be payable at a rate of 4.619% per annum (the “2031 Fixed/Floating Rate Notes Initial Interest Rate”). During the 2031 Fixed/Floating Rate Notes Fixed Rate Period,
interest on the 2031