Save up to 40% on margin lending

Keep more of your returns with industry-leading margin lending rates for stocks and ETFs.

Increased buying power

Increase your exposure and potential profits, with up to 3.3x leverage on individual stocks and ETFs.

Simple loan facility

Use cash or securities on your account as collateral for a margin loan.

Low commissions

Pay just 3 USD to buy US stocks – and benefit from equally low rates for Hong Kong and international equities.

See how much you could save with Saxo

It's easy to just look at commissions when choosing a broker. But hidden fees can eat up your returns. At Saxo, you won’t pay a platform, custody or inactivity fee, and our leading margin lending rates keep your running costs low. See how we compare below:

See your total annual cost of buying 100 Tencent shares with margin lending and holding for one year.

  • Commissions & fees

    30 HKD

    Margin lending rate


    Total cost

    1,702 HKD

  • Commissions & fees

    0 HKD

    Margin lending rate


    Total cost

    2,315 HKD

  • Commissions & fees

    33 HKD

    Margin lending rate


    Total cost

    2,896 HKD

    Start saving on investment fees today

    Cut your costs down to size with Saxo. Save hundreds of dollars each year as a Classic client, or make further savings as a Platinum or VIP.

    • What is margin lending?

    • A margin lending account enables you to put down cash or securities as collateral for a loan, which you can use to leverage your positions.

      By taking a margin loan, you can increase your buying power in stocks and ETFs, beyond the value of the cash and/or securities on your account. It’s an attractive option if you’re actively trading, or an investor expecting to generate long-term returns.

      The margin loan works as a ‘credit facility’, and the amount you can borrow depends on your financial situation and the collateral value of the assets on your account.

      Please view the factsheet for more details about margin lending.

    Industry-leading margin lending rates

    Saxo offers 3 tiers of margin lending rates as low as 1.5% on top of Benchmark Rate*.

     VIP Platinum Classic
    HKD1M Benchmark Rate* + 1.62%1M Benchmark Rate* + 2.62%1M Benchmark Rate* + 3.62%
    USD1M LIBOR + 1.50%1M LIBOR + 2.00%1M LIBOR + 2.90%

    * The 1M Benchmark Rate refers to Bloomberg Composite of Interbank Offered Rates for 1-month deposits, which are subject to the interbank interest rate adjustment. Please refer to our trading platform for the most updated rates.


    Ultra-competitive stock commissions

    We offer three levels of pricing depending on your account tier.

    0.005 USD/share (Min. USD 3)0.0065 USD/share (Min. USD 3)0.008 USD/share (Min. USD 3)
    Nasdaq (XETRA)
    0.005 USD/share (Min. USD 3)0.0065 USD/share (Min. USD 3)0.008 USD/share (Min. USD 3)
    0.05% (Min. HKD 18)0.05% (Min. HKD 18)0.05% (Min. HKD 18)

    Frequently asked questions

    For new to Saxo clients, you can tick the “I would like to open a Margin Lending account” question during the onboarding journey

    If you already have an account with Saxo
    • On Saxo TraderGo: You can request to add a Margin Lending account via the trading platform. Simply go to ‘Contact Support’, then ‘Request Margin Lending account’.
    • On SaxoInvestor: You can request to add a Margin Lending account by clicking the “Click to open a margin lending account” banner on the main Markets page on the platform
    Since the leverage on a margin lending account is financed via a loan, you will need to pay an interest charge when utilising the facility.

    The interest rate you pay on the loan is comprised of two components: the benchmark rate (Bloomberg Composite of Interbank Offered Rates for 1-month deposits) plus a fixed mark-up. The interest rate is dependent on the currency of the sub-account, ie the interest rate on HKD and USD accounts will be different.

    Please note that the daily interest is calculated based on the net cash balance on each sub-account (in different currencies). You can see the associated trading costs for individual instruments under ‘Trading Conditions’ on the platform.

    For the key risks of margin trading, please click here.

    Imagine you deposited USD 10,000 on your Margin Lending account and plan to buy 1,000 shares in the US listed Stock ABC, priced at USD 25/share.

    Stock ABC has a risk rating 1, with an initial collateral value of 63% and maintenance collateral value of 70% (haircut = 30%). This means you’ll need to put up 37% of the transaction value as collateral (cash or positions) to open the position. This will give you an effective leverage of up to 2.70x your capital at the time of opening.

    After the trade, your net cash balance will change from USD 10,000 to minus USD 15,000, since you have now borrowed USD 15,000 to finance the position value of USD 25,000.

    After the trade you will have utilised 86% of your account’s maintenance collateral value. That means you’ll have USD 750 left as unused initial collateral to open new positions worth up to USD 2,027 (assuming a risk rating 1 stock with 63% initial collateral value).

    Pre TradePost Trade
    Position details - Stock ABCPosition details - Stock ABC
    # shares-# shares1,000.00
    Share Price-Share Price (USD)25.00
    Market Value-Market Value (USD)25,000.00
    Risk Rating-Risk Rating1.00
    Initial Collateral Value (%)-Initial Collateral Value (%) 63%
    Maintenance Collateral Value (%)-Maintenance Collateral Value (%)70%
    Haircut (Maintenance Margin Req., %)-Haircut (Maintenance Margin Req., %)30%
    Pre Trade
    Position details - Stock ABC
    # shares-
    Share Price-
    Market Value-
    Risk Rating-
    Initial Collateral Value (%)-
    Maintenance Collateral Value (%)-
    Haircut (Maintenance Margin Req., %)-
    Post Trade
    Position details - Stock ABC
    # shares1,000.00
    Share Price (USD)25.00
    Market Value (USD)25,000.00
    Risk Rating1.00
    Initial Collateral Value (%) 63%
    Maintenance Collateral Value (%)70%
    Haircut (Maintenance Margin Req., %)30%

    Please note that the above example does not take transactional costs (commissions etc) and financing costs (interest) when holding the position overnight into account.

    For more FAQ, please click here.

    Ready to get started?

    Opening an account takes around 5 minutes

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