Company: HBCYF
Filing Date: 2025-11-03
Form Type: 424B5
Source: 0001193125-25-261738
Chunk: 85

Company: HSBC HOLDINGS PLC
Filing Date: 2025-11-03
Form: 424B5
Chunk 85
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 2036, May 6, 2036, August 6, 2036 and November 6, 2036.

“2036 Fixed/Floating Rate Notes Initial Interest Rate” means 5.133% per annum.

“2036 Fixed/Floating Rate Notes Interest Payment Date” means any 2036 Fixed/Floating Rate Notes Fixed Rate Period Interest Payment
Date or 2036 Fixed/Floating Rate Notes Floating Rate Period Interest Payment Date, as applicable.

“2036 Fixed/Floating Rate Notes
Make-Whole Redemption” has the meaning given to that term under “—Redemption.”

“2036 Fixed/Floating
Rate Notes Make-Whole Redemption Period” has the meaning given to that term under “—Redemption.”

“2036 Fixed/Floating Rate Notes Margin” has the meaning given to that term under
“—Interest—2036Fixed/Floating Rate Notes.”

“2036 Fixed/Floating Rate Notes Maturity
Date” has the meaning given to that term in the fifth paragraph of this “Description of the Notes.”

“2036
Fixed/Floating Rate Notes Par Redemption” has the meaning given to that term under “—Redemption.”

“2036 Fixed/Floating Rate Notes Par Redemption Date” has the meaning given to that term under
“—Redemption.”

“Additional Amounts” has the meaning given to that term under “Description of Debt Securities—Additional Amounts—Senior Debt Securities” in the accompanying prospectus.

“Amounts
Due” has the meaning given to that term under “—Agreement with Respect to the Exercise of UK Bail-inPower.”

“Banking Act” means the UK Banking Act 2009, as amended.

“Base Indenture” has the meaning given to that term in the second paragraph of this “Description of the Notes.”

“Benchmark Replacement” has the meaning given to that term under “—Interest—Benchmark Transition Provisions.”

S-57

“Benchmark Replacement Adjustment” means the first alternative set forth in the
order below that can be determined by us (in consultation, to the extent practicable, with the calculation agent) or our designee (in consultation with us) as of the Benchmark Replacement Date:

(1) the spread adjustment (which may be a positive or negative value or zero) that has been (i) selected or recommended by
the Relevant Governmental Body or (ii) determined by us (in consultation, to the extent practicable, with the calculation agent) or our designee (in consultation