Here is another example of crap figures provided by HSBC.
DEPOSIT PLUS return of up to 12% p/a. Here you basically play two currencies. Let say the AUD and USD. you invest $50000 in one or the other and you set a strike price two week later at a predetermined level. If the price come good you then buy the other currency. Normally if all goes well you might make 0.2% in that transaction. Now to get the 12% you have to do it again , and again and again, for the other 50 weeks.
If they ALL go as planned, then you will achieve 12% . We all know that that is not going to happen, most probably if you are lucky after 12 months you will be even or down 12%.