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Geomorphologically, alluvial deposits in river systems are expected to be older on higher terraces than on the lower terraces. However, loess deposits of aeolian origin may also occur on the surface of terrace systems and as seen in the Chinese Loess Plateau (CLP). Such loess is continuously, rather than episodically deposited. This study presents numerous dating results of loess cover on the Hanjiang River terrace system in the southern Qinling Mountains, an atypical loess deposit belt outside of the CLP. We name this Hanjiang Loess. Results indicate that the Hanjiang Loess deposited on the high, middle, and low terraces are also the oldest, old, and most recent, respectively, apparently analogous with alluvial expectations. We thus propose a modified depositional hypothesis, whereby terrace loess reflects the deposition of aeolian loess and other material, subsequent fluvial reworking. This depositional hypothesis should also be applicable to loess deposits on the river terraces in the Xiashu Loess, Quaternary Reticulate Red Clay, and Quaternary Red Clay in southern China, and other atypical loess areas outside of the CLP.