424B3 1 supp28d.htm Registration No

Registration No. 333-120496
Rule 424(b)(3)

Pricing Supplement

Pricing Supplement Number 28(d) Dated Monday, August 8, 2005

CUSIP
Number

Principal Amount

Gross Concession

Net
Proceeds

Coupon Type

Coupon Rate

Coupon Frequency

Day Count Basis

40429XEK8

$10,786,000.00

2.000%

$10,570,280.00

Fixed

5.550%

Monthly

30/360

Maturity Date

1st Coupon Date

1st Coupon Amount

Survivors Option

Product Ranking

Moody's Ranking

S & P Rating

 

08/15/2020

09/15/2005

$5.24

Yes

Senior Unsecured Notes

A1

A

 

Redemption Information: Callable at 100.000% on 08/15/2008 and every coupon date thereafter.

Note:
Matures 08/15/2020

Joint Lead Managers and Lead Agents: Banc of America Securities LLC, HSBC Securities (USA) Inc., Incapital, LLC.
Agents: A.G. Edwards & Sons, Inc., Charles Schwab & Co., Inc., Citigroup., Edward D. Jones & Co., L.P., Fidelity Capital Markets, A division of National Financial Services, LLC, Merrill Lynch & Co., Morgan Stanley, RBC Dain Rauscher Inc., UBS Financial Services, Inc., Wachovia Securities.


The HSBC Finance InterNotes will be subject to redemption at the option of HSBC Finance Corporation in whole on the interest payment date occurring any time on or after 08/15/2008 at a redemption price equal to 100% of the principal amount of the HSBC Finance InterNotes, plus accrued interest thereon, if any, upon at least 30 days prior notice to the noteholder and the trustee, as described in the prospectus.

If the maturity date or an interest payment date for any note is not a Business Day (as term is defined in Prospectus), principal, premium, if any, and interest for that note is paid on the next Business Day, and no interest will accrue from, and after, the maturity date or interest payment date.

HSBC Finance Corporation
2700 Sanders Road
Prospect Heights, IL 60070

Trade Date: Monday, August 8, 2005 @ 12:00 PM ET
Settlement Date: Thursday, August 11, 2005
Minimum Denomination/Increments: $1,000.00/$1,000.00
Initial Trades Settle Flat and clear SDFS: DTC Book Entry Only
DTCNumber: 0116 via Refco Securities, LLC
InterNotes® is a registered trademark of
Incapital Holdings LLC
All rights reserved.

HSBC Finance Corporation


$5,000,000,000
HSBC Finance InterNotes

Prospectus Dated 17-Dec-04

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