Company: HBCYF
Filing Date: 2025-11-03
Form Type: 424B5
Source: 0001193125-25-261738
Chunk: 83

Company: HSBC HOLDINGS PLC
Filing Date: 2025-11-03
Form: 424B5
Chunk 83
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Notes will be governed by, and construed in accordance with, the laws of the State of New York, except that the waiver of set-off provisions of the Indenture and the Notes will be governed by, and construed in
accordance with, the laws of England and Wales. Any legal proceedings arising out of, or based upon, the Indenture or the Notes may be instituted in any state or federal court in the City of New York, United States.

Listing

Application will be made for the
Notes to be admitted to listing on the New York Stock Exchange.

S-55

Definitions

“2031 Fixed/Floating Rate Notes” means the 4.619% Fixed Rate/Floating Rate Senior Unsecured Notes due 2031 in an aggregate
principal amount of $2,250,000,000.

“2031 Fixed/Floating Rate Notes Fixed Rate Period” has the meaning given to that term
under “—Interest—2031Fixed/Floating Rate Notes.”

“2031 Fixed/Floating Rate Notes
Fixed Rate Period Interest Payment Date” means May 6 and November 6 of each year, during the 2031 Fixed/Floating Rate Notes Fixed Rate Period, beginning on May 6, 2026.

“2031 Fixed/Floating Rate Notes Floating Rate Interest Period” means, during the 2031 Fixed/Floating Rate Notes Floating Rate
Period, the period beginning on (and including) a 2031 Fixed/Floating Rate Notes Floating Rate Period Interest Payment Date and ending on (but excluding) the next succeeding 2031 Fixed/Floating Rate Notes Floating Rate Period Interest Payment Date;
provided that the first 2031 Fixed/Floating Rate Notes Floating Rate Interest Period will begin on (and include) November 6, 2030 and will end on (but exclude) the first 2031 Fixed/Floating Rate Notes Floating Rate Period Interest
Payment Date.

“2031 Fixed/Floating Rate Notes Floating Rate Period” has the meaning given to that term under
“—Interest—2031Fixed/Floating Rate Notes.”

“2031 Fixed/Floating Rate Notes Floating
Rate Period Interest Payment Date” means February 6, 2031, May 6, 2031, August 6, 2031, and November 6, 2031.

“2031 Fixed/Floating Rate Notes Initial Interest Rate” means 4.619% per annum.

“2031 Fixed/Floating Rate Notes Interest Payment Date” means any 2031 Fixed/Floating Rate