Please see the chart below for the current fixed deposit interest rates with the highest interest rates for different deposit periods:
▼Click the picture to enlarge
Recently, there have been many promotions with high interest rates on a regular basis, but readers are often disappointed when they inquire, because these offers are either for new customers or new funds. For example, the 4.7% of Dah Sing Bank and the 4.6% of ICBC (Asia) require new customers.
The following introduces you to the highest interest rateFixed deposit of existing funds, some of which have low thresholds, and can be issued for less than 10,000 yuan. At present, existing funds are not inferior to new funds, with a maximum of 4.5% in Hong Kong dollars! See the picture below for details:
HKD Existing Fund Offer
Existing funds 4.5% lower threshold 4.3%
At present, the existing funds have a 4% level, and cover different deposit periods, up to 4.5%! However, the discount offered by China Merchants Wing Lung is only 4.5% for a minimum deposit of RMB 5 million. However, if you have enough funds, you can earn RMB 225,000 a year, which is quite attractive.
Ordinary customers may not have so much principal. The initial deposit amount of CMB Wing Lung has increased interest rates for other thresholds. The minimum deposit amount is 10,000 yuan, and it will be increased to 4.05% from 3 months to 12 months. It is also possible to open with existing funds.
For those with a low threshold, DBS Bank can also be considered. Its existing funds with a 12-month deposit period have 4.3% for a minimum deposit of 50,000 yuan. There are also 4.25% of existing funds in 6 months.
Virtual banks are also raising interest rates. Huili Bank’s 1-year, 9-month and 7-month deposits will all increase to 4.3%, and Ping An OneConnect’s 6-month and 3-month deposit periods will increase to 4.2% this month. You can deposit as little as 100 yuan. Another virtual silver, Furong, has a 6-month deposit period of 4.2%, and a 3-month deposit period has also been increased to 4%.
Fubon’s mobile banking discounts are 4.3% for 12 months, 6 months, 3 months, and even 1-month and 2-month deposit periods, but the minimum deposit is 1 million yuan.
Chong Hing Bank’s 3-month deposit period “cloud interest rate” is 4.35%, which is the highest interest rate among 3-month existing funds. 500,000 yuan can be opened through electronic channels.
ICBC (Asia) has a three-month deposit period of 4.3%. Although the minimum deposit is 3 million yuan, if it is only 50,000 yuan, it is still 4.1%, which is considered a relatively high level in the industry.
The above-mentioned existing fund discount is not inferior to the new fund at all. Currently, the new fund is up to 5.2%, which is a discount given by Citigroup to new private customers. Dah Sing Bank also offers 5% to new wealth management customers. Compared with existing funds, it has an advantage, but The threshold is higher, the details are as follows:
HKD New Fund Offer
if want to doNew Fund Offerand due to limited funds, consider“Self-made new capital method”see details:Earn as much as possible with high interest fixed deposit magic weapon, self-made new funds must know
Date this article was last updated: August 15, 2023
More high-interest deposits:
[Fixed deposit 2023]Revisiting 5% high interest rate starting from 100,000 deposits and grabbing bank bond refund Citigroup up to 5.2%
[High-interest current deposit]CNCB Monopoly over 8.1% in a single month Standard Chartered Marathon 6%｜Hang Seng 7.5% extended to August｜Dah Sing up to 6%
How about a high-interest time deposit?A lazy bag
＝＝＝＝＝
Real case analysis of financial management, immediatelyDownload the Hong Kong Economic Times App for free
Open the hket App to read the full text
2023-08-15 08:11:59
#fixed #deposit #interest #rate #goodNew #funds #break #existing #funds #increase #updated #August #Hong #Kong #Economic #Daily #Financial #Management #Interest #Rate #Strategy
