Company: HBCYF
Filing Date: 2025-11-03
Form Type: 424B5
Source: 0001193125-25-261738
Chunk: 63

Company: HSBC HOLDINGS PLC
Filing Date: 2025-11-03
Form: 424B5
Chunk 63
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 Notes Maturity Date (the “2036 Fixed/Floating Rate Notes Floating Rate Period”), the interest rate on the 2036 Fixed/Floating Rate Notes will be equal to the Benchmark (as defined below) plus 1.430% per annum (the “2036 Fixed/Floating Rate Notes Margin”). During the 2036 Fixed/Floating Rate Notes Floating Rate Period, interest on the 2036 Fixed/Floating Rate Notes will be payable quarterly in arrear on each 2036 Fixed/Floating Rate Notes Floating Rate Period Interest Payment Date. The interest rate on the 2036 Fixed/Floating Rate Notes will be calculated quarterly on each applicable Interest Determination Date. During the 2036 Fixed/Floating Rate Notes Fixed Rate Period:

| • |     | Interest will be calculated on the basis of twelve 30-day months or, in                                   
 the case of an incomplete month, the actual number of days elapsed, in each case assuming a 360-day year. |

| • |     | If any scheduled 2036 Fixed/Floating Rate Notes Fixed Rate Period Interest Payment Date is not a business day,                                                                                                                                        
 such 2036 Fixed/Floating Rate Notes Fixed Rate Period Interest Payment Date will be postponed to the next day that is a business day, but interest on that payment will not accrue during the period from and after the scheduled 2036 Fixed/Floating 
 Rate Notes Fixed Rate Period Interest Payment Date.                                                                                                                                                                                                   |

Floating Rate Notes From (and including) the Issue Date to (but excluding) the Floating Rate Notes Maturity Date, the interest rate on the Floating Rate Notes will be equal to the Benchmark (as defined below) plus 1.190% per annum (the “Floating Rate Notes Margin”). Interest on the Floating Rate Notes will be payable quarterly in arrear on each Floating Rate Notes Interest Payment Date. The interest rate on the Floating Rate Notes will be calculated quarterly on each applicable Interest Determination Date. Each Series of Notes The regular record dates for the Notes will be the 15th calendar day preceding each Interest Payment Date, whether or not a business day. S-43

During the applicable Floating Rate Period with respect to the Fixed/Floating Rate Notes, and generally with respect to the Floating Rate Notes:

| • |     | Interest will be calculated on the basis of the actual number of days in each Floating Rate Interest Period, 
 assuming a 360-day year.                                                                                     |

| • |     | If any scheduled Floating Rate Period Interest Payment Date or Floating Rate Notes Interest Payment Date