
Front: Predominantly green, with the Royal Arms at left — lion and unicorn flanking the shield over the motto DIEU ET MON DROIT, and beneath it a small harbour scene of junks and a steamer. The issuer's name stands in English and Chinese across the head, the promise to pay the bearer "on demand at its Office here" in the centre, dated HONGKONG 1st JANUARY 1989 over a single General Manager's signature. The hexagonal house mark sits lower left; 拾圓 at right beside the watermark panel.
Back: The two bronze lions from the bank's Queen's Road headquarters — Stephen roaring on the left, Stitt at rest on the right — set either side of the then-new Norman Foster tower, drawn as a lattice of trusses and suspended floors rising the full height of the note. At upper right, a Chinese junk under sail beside a modern cargo vessel. Denomination in numerals and 拾圓 on ribbon panels above., with pink underprint at the edges.
This design, dated annually from the mid-1980s, was the bank's last ten-dollar note; issues ran to 1 January 1992, after which the ten-dollar denomination passed out of bank hands, the $10 coin taking its place from 1994. A government-issued ten-dollar note appeared only a decade later.