6-month Hong Kong dollar term deposit｜ New money is up to 3.6%, existing money is 3.4%, and the interest rate for large accounts is $34,000 – Hong Kong Economic Daily – Financial Management – Ro -Interest Accumulation technique

The last two months of 2024 are about to enter, and it’s time to get ready to plan your savings for 2025. Stock market conditions are suddenly warm but then cold, and it could be there will be another undercurrent on the eve of the election in the US It is appropriate to allocate some funds as a time investment.

The maximum 6-month fixed deposit is 3.6%. your property too long.

6-month Hong Kong dollar term deposit—highest interest rate option (click image👇)

Half-year Hong Kong dollar time deposit is up to 3.6%

The 6-month Hong Kong dollar term deposit has a maximum annual interest rate of 3.6%, which is a favorable offer of OCBC Bank.

This offer is applicable to new funds from financial management customers, with a minimum investment of 100,000 yuan. If you are not a financial customer, the annual interest rate is 3.5%, which is higher than other banks, but it requires a minimum investment of 500,000 yuan in a new fund.

East Asia Bank earns over NT$30,000 with 3.4% interest

The Bank of East Asia is increasing deposit interest this week, and the six-month deposit period is increased to 3.4% at a maximum of NT$2 million, you can earn about $34,000 in interest in half a year.

The bank also raised interest rates for other categories of customers by 3.15% compared to yesterday.

ICBC (Asia) earns NT$50,000 in interest at 3.25%

Large investors can also consider the special 188-day investment period at ICBC (Asia), which is about 3.25% for a period of six months Although the annual interest rate is not the highest, as the investment rate must minimum 3 million yuan of new money, if you meet the conditions, you can pay it when it matures.

If the threshold is lower and the minimum deposit of new money is 800,000 yuan, the bank also offers 3.15%; the minimum deposit of 100,000 yuan is 3.05%.

Current funds 3.4%

For a 6-month Hong Kong dollar term deposit, the highest interest rate on existing funds is 3.4% There are two options to choose from.

CNCBI reduced the annual interest rate for new funds this week, but increased the discount for existing funds The investment period is 6 months and the existing funds are 3.4%.

DBS Bank has a minimum deposit of NT$50,000, with 3.4% for new and old money. The annual interest rate is unchanged this week, and must be opened via online banking or mobile banking;

In addition, there are many 3.3% options.

The minimum deposit at Fubon Bank is NT$500,000, with a 6-month deposit term of 3.3%.

The highest rate for bank issuing notes is 3.1%.

Many people choose large banks for time deposits, but large banks have more funds and have fewer high-interest discounts recently.

Currently, the maximum annual interest rate for six-month Hong Kong dollar term deposits of the three major note-issuing banks is 3.1%, with discounts offered by HSBC and Standard Chartered respectively, and the interest rate highest annual rate offered by Bank of China Hong. Kong is at 2.9%.

20 Bank 3 Annual Interest Rate Comparisons

6-month Hong Kong dollar term depositBank annual interest rate deposit amount contractsOCBC Bank 3.6% 100,000 New Fund for Financial Services CustomersEast Asia Bank 3.4% 2 million new funds for private banking customersCITICdiamond CNCBI customer mobile phone opens for RMB 3.45 millionDBS Bank opens online/mobile banking for NT$3.45 million, old and new currency acceptedFubon Bank 3.3% Mobile banking opening 500,000 yuan, old and new currency acceptedPublic Bank 3.3% to NT$500,000 New and old currency accepted.PAObank 3.3% 100 yuan is accepted, both old and new currencyHuili Bank 3.3% 10 yuan available for old and new currency.Mox Bank 3.28 cents 1 yuan new currencyICBC (Asia) 3.25%
(188 days) 3 million yuan of new funds from financial management customer branchesLivibank 3.25% 100,000 yuan of new and old funds are availableHong Kong Bank of Communications opens electronic channel for NT$3.25%20,000, old and new currency acceptedDah Sing Bank 3.2% 100,000-500,000 VIP customer new fundFulong Bank has no minimum deposit of 3.2%, old and new money is acceptedShanghai Commercial Bank 3.13% 1,000 yuan to open online or mobile banking, old and new currencies are acceptedCitibank has no minimum deposit amount of 3.11% to open online/mobile banking, old and new currency is acceptedCMB Wing Lung 3.1% 5 million yuan mobile banking is opened, old and new currencies are acceptedNanyang Commercial Bank 3.1% 1 million yuan online/mobile banking opening, old and new currency acceptedCCB Asia raises NT$3.1 million in new fundingNew HSBC fund of 3.1% for wealth management customers worth NT$10,000Standard Chartered Bank 3.1% 10,000 yuan new money onlineHang Seng Bank 3.1% 10,000 new fund onlineTianxing Bank 3.1% 1,000 yuan is accepted, both new and old currency

The maximum 6-month USD term deposit is 4.3%

The 6-month US dollar term deposit has an annual interest rate of up to 4.3%, which is higher than the Hong Kong dollar rate Readers who have US dollars should pay more attention.

6-month USD term depositBank annual interest rate deposit amount contractsFubon Bank opens mobile banking for 4.3% to 65,000 US dollars, regardless of whether it is old or new currency.Bank of East Asia 4.25% equivalent to HKD 2 million for new customers Premier Private BankFulong Bank has no minimum or maximum deposit limit of 4.2% for virtual banks, regardless of whether it is new or old moneyChong Hing Bank 4.1% USD 10,000 online or mobile banking openingPublic Bank 4.1% USD 2000, no limit on old or new currencyOCBC Bank 4.0% new fund equivalent to HKD 100,000 for financial management customersShanghai Commercial Bank 4.0% USD 10,000 new branch of funds

Date of update of this article: November 1, 2024

More time investment tips:

Hong Kong dollar time deposit｜Small and medium-sized banks raid 4% to attract customers, charging ultra-large customers $50,000 At least 5 banks will raise interest rates this week

Hong Kong dollar term deposits with a maximum of 12 months of 3.2%, lock-in 3% of the funds before the interest rate is cut

The 4-month interest rate for a HKD 1 million time deposit of more than $12,000 10 banks is more than 3.5%.