Company: HBCYF
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-195127
Chunk: 111

Company: HSBC HOLDINGS PLC
Filing Date: 2025-09-04
Form: 424B5
Chunk 111
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 a holder that is not the sole beneficial owner of the interest, or a portion of it, or                                                                                                                                     
 that is a fiduciary or partnership, but only to the extent that a beneficiary or settlor with respect to the fiduciary, a beneficial owner or member of the partnership would not have been entitled to the payment of an Additional Amount had the 
 beneficiary, settlor, beneficial owner or member received directly its beneficial or distributive share of the payment;                                                                                                                             |

| • |     | is imposed because of the failure to comply by the holder or the beneficial owner of any payment on such senior                                                                       
 debt securities with our request addressed to the holder or the beneficial owner, including our written request related to a claim for relief under any applicable double tax treaty: |

| (a) | to provide information concerning the nationality, residence, identity or connection with a taxing jurisdiction 
 of the holder or the beneficial owner; or                                                                       |

| (b) | to make any declaration or other similar claim to satisfy any information or reporting requirement, |

if the information or declaration is required or imposed by a statute, treaty, regulation, ruling or administrative practice of the Taxing Jurisdiction as a precondition to exemption from withholding or deduction of all or part of the tax, duty, assessment or other governmental charge;

| • |     | is imposed in respect of any estate, inheritance, gift, sale, transfer, personal property, wealth or similar tax, 
 duty, assessment or other governmental charge; or                                                                 |

| • |     | is imposed in respect of any combination of the above items. |

Unless the relevant prospectus supplement provides otherwise, all payments in respect of the senior debt securities will be made subject to any withholding or deduction required pursuant to (i) sections 1471 to 1474 of the U.S. Internal Revenue Code of 1986, as amended, or any associated regulations or other official guidance; (ii) any treaty, law, regulation or other official guidance enacted in any other jurisdiction, or relating to an intergovernmental agreement between the United States and any other jurisdiction, which (in either case) facilitates the implementation of clause (i); or (iii) any agreement pursuant to the implementation of clauses (i) or 15

(ii) with the U.S. Internal Revenue Service, the U.S. government or any governmental or taxation authority in any other jurisdiction (collectively, “FATCA”) and we will not be required to pay any Additional Amounts on account of any such deduction or