Here is the code to use PropertyPlaceholderConfigurer with XMLBeanFactory
XmlBeanFactory factory = new XmlBeanFactory(new ClassPathResource("test.xml"));
PropertyPlaceholderConfigurer cfg = new PropertyPlaceholderConfigurer();
cfg.setLocation(new ClassPathResource("jdbc.properties"));
// now actually do the replacement
cfg.postProcessBeanFactory(factory);
MyBean bean = (MyBean)factory.getBean("myBean");
System.out.println(bean .getProperty());