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No more hunting across bank websites. We consolidate products from major Hong Kong institutions so you can compare rates, fees and offers side by side.
Time Deposit Rates Comparison
Last updated:
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Quick Summary
Mox Bank Account
Mox Bank
Competitive savings rate
- No minimum deposit
- 10-minute digital onboarding
- Cashback credit card
- No monthly fee
Account and deposit rewards
WeLab Bank Account
WeLab Bank
Attractive GoSave fixed rates
- Flexible savings and GoSave
- No minimum deposit
- Goal-based savings
- No monthly fee
Welcome rewards
ZA Bank Account
ZA Bank
Tiered time deposit rates
- Multi-currency account
- Spending rebates
- Insurance and investment
- No monthly fee
Sign-up cash bonus
HSBC HKD Time Deposit
HSBC
~2.0% for 3 months (indicative)
- New-fund preferential rates
- Open online
- From HK$10,000
Boosted new-fund rates
BOC HKD Time Deposit
BOC Hong Kong
~1.9% for 3 months (indicative)
- Branch and online options
- RMB deposit choices
- Boosted rates for selected customers
SC HKD Time Deposit
Standard Chartered
~2.1% for 3 months (indicative)
- New-fund preferential rates
- Set up in-app
- Full FX deposit range
Citibank HKD Time Deposit
Citibank
~2.0% for 3 months (indicative)
- One-tap in Citi Mobile
- Tiered new-fund rates
- USD deposit offers
For reference only. Actual terms are subject to each institution's official announcement. Monthly repayment estimated on HK$180,000 over 24 months.
FAQ
What if I break a time deposit early?
Early withdrawal usually forfeits all or most interest (principal intact) plus possible fees. If you may need the cash, split into several short-term deposits.