Hong Kong dollar time investment | .

The annual interest rates of Hong Kong dollar term deposits are highly comparable Currently, the maximum interest rate for a 3-month term deposit is 6%. added, which is still available at 5.38%.

3-month and 4-month Hong Kong dollar term deposits—the option with the highest interest rate (click the picture👇)

Small and medium banks return to 4% this week

Dah Sing Bank has raised interest rates in a row this week, with the annual interest rate for three-month deposits returning to 4%.

4% is a discount for new VIP customers It requires a minimum investment of 100,000 yuan in new money and has a main limit of 500,000 yuan.

If you are a current customer, the annual interest rate has also been increased, which will be explained below.

The 6% discount goes into the countdown

Currently, the maximum investment period of 3 months is still 6%. This is a new customer discount of ICBC (Asia). This discount is tentatively set at 10 Expires on March 31st.

Although the card has an annual interest rate of 6%, the actual interest rate is not much and is only a welcome discount. If you are a high finance customer, you can pay attention to the following 5.38%.

5.38% minimum interest $9,800

CCB Asia’s new customer offer “VIP Financial Management” offers a 3-month Hong Kong dollar fixed investment interest rate of 5.38% per annum, and the promotion period is until the end of December.

This offer is only available for the first 10% of new funds at 5.38%, and the annual interest rate for the remaining 90% of new funds changes daily, with the latest rate being 3.75%. Calculated on average, the three-month investment period is about 3.9%, and the interest rate for new funds of 1 million yuan is about 9,800 yuan.

The bank has a main limit of 50 million yuan for new money If large investors meet the conditions, they can collect more than 480,000 yuan with interest in just a quarter.

Up to 3.9% for existing customers

Three-month Hong Kong dollar term deposits are available at 6%, 5% and 4%, but are all new customer offers. As for the existing customers, Dah Sing Bank raised interest rates this week, and new funds opened with 1 million yuan can have an annual interest rate of 3.9%. For new money of 200,000 yuan, the interest rate is 3.8%, which is higher than other banks.

After Fubon Bank raised interest rates this week, the three-month investment period was increased to 3.8%, which does not require any new money and is the option with the highest interest among existing funds.

CNCBI has further reduced this week from 3.75% to 3.7%, and the minimum deposit rate is lower than that of the New Bank, with only 50,000 yuan of new funds However, it is limited to buy CITICdiamond and it is 3.65% for general customers.

China Construction Bank Asia also raised interest rates this week, with the highest interest rate for existing customers at 3.7%, requiring a minimum investment of NT$1 million in new funds.

Discounted bank bond repayments come with additional interest

The ninth batch of silver bonds was launched on the 23rd of this month.

BOCHK has a bank bond refund discount. Currently, even for Bank of China senior financial management customers, the three-month deposit period is only 3%.

CCB Asia also has a refund offer. %. Calculated at 3.7% for existing customers, that means the annual interest rate for bank bond repayments is as high as 3.8%.

Hong Kong 4-month dollar fixed deposits up 3.8%

Interest rates for 4-month deposits were also increased this week.

PAObank virtual bank maintains 3.7%, no new money is required, and the minimum deposit is only 100 yuan, which is the lowest in the city.

Mox Bank, which is also a virtual bank, has launched a new deposit term of 4 months of 3.6% The minimum deposit rate is also low, but it is only new money.

The current asset discount at Nanyang Commercial Bank was increased to 3.5% this month, with a minimum deposit of NT$1 million, and must be opened online or via mobile banking.

On the other hand, Hang Seng Bank and Huili Bank have recently cut interest rates, with the highest four-month deposit terms at 3.4% and 3.3% respectively.

More than 20 bank interest rate comparisons combined

3-month Hong Kong dollar term depositBank annual interest rate deposit amount contractsICBC (Asia) 6.0% NT$1,000-NT$100,000 new customer mobile phone unlockCCB Asia’s “VIP Wealth Management” new customer fund of NT$1 million to NT$50 million is 5.38%.Dah Sing Bank 4.0% 100,000-500,000 VIP customer branch new fundDah Sing Bank 3.9% 1 million new funds from existing VIP customer branchesFubon Bank 3.8% Mobile banking opening 500,000 yuan, old and new currency acceptedCCB Asia 3.7% 1 million new funds from existing customersCITICdiamond CNCBI new client fund of NT$3.75 millionEast Asia Bank NT$100,000 new customer finance at 3.65%Communications Bank of Hong Kong’s new NT$1 million online fund for wealth management customersNanyang Commercial Bank 3.6% 1 million yuan online or mobile banking, both old and new currency are acceptedICBC (Asia) 3.6%
(98 days) 3 million yuan of new funds from Elite Club customer branchesOCBC Bank 3.5% 100,000 New Fund for Financial Services CustomersCitibank 3.55 million yuan must be a new customer of Citibank’s private customer business and maintain a specified product balanceMox Bank 3.5 cents 1 yuan new currency for selected customersFulong Bank has no minimum deposit of 3.5%, old and new money is acceptedShanghai Commercial Bank 3.43% 1,000 yuan to open online or mobile banking, old and new currencies are acceptedA customer will open a new Chong Hing Bank remote account worth NT$3.45 millionHSBC 3.4% NT$10,000 new fund for Premier or Premier customersHang Seng Bank NT $ 10,000 new fund online for selected customersLivibank 3.3% 100,000 yuan of new and old funds are availableTianxing Bank 3.3% 1,000 yuan, both new and old currency are acceptedHuili Bank 3.3% 10 yuan available for old and new currency.Public Bank 3.25% 500,000 new mobile banking fundDBS Bank 3.25% 50,000 new money onlineCMB Wing Lung 3.1% 5 million yuan mobile banking is opened, old and new currencies are acceptedStandard Chartered Bank 3.1% 10,000 yuan new money onlineBOCHK NT$3.0%10,000 BOC Wealth Management New FundsPAObank accepts 3.0 cents, 100 yuan, both new and old currency 4-month Hong Kong dollar term depositThe Bank’s maximum annual interest rate and minimum deposit amount termsFubon Bank 3.8% Mobile banking opening 500,000 yuan, old and new currency acceptedPAObank 3.7% 100 yuan is accepted, both old and new currencyMox Bank 3.6 cents 1 yuan new currencyNanyang Commercial Bank 3.5% 1 million yuan online or mobile banking, both old and new currency are acceptedDBS Bank opens online/mobile banking for NT$3.45 million, old and new currency acceptedHang Seng Bank NT $ 10,000 new fund online for selected customersHuili Bank 3.3% 10 yuan available for old and new currency.Livibank 3.25% 100,000 yuan of new and old funds are availableTianxing Bank 3.2% 1,000 yuan, both old and new currency are accepted

The maximum 3-month USD term deposit is 4.7%

The 3-month US dollar term deposit has an annual interest rate of up to 4.7%, which is higher than the Hong Kong dollar rate Readers who have US dollars should pay more attention.

3-month USD term depositComments on the bank’s maximum annual interest deposit amountFubon Bank opens mobile banking for 4.7% to 65,000 US dollars, old and new currencies are acceptedBank of East Asia 4.5% equivalent to HKD 2 million for new customers Premier Private BankDah Sing Bank 4.5% new VIP customer new fund equivalent to HKD 100,000-500,000CCB Asia 4.4% US$500,000 new fund for all clientsHong Kong Communications Bank’s new online fund for wealth management customers of 4.4% and 130,000 US dollarsChong Hing Bank 4.4% US$10,000 electronic channel opening, regardless of new or old currencyFulong Bank has no minimum deposit of 4.4%, regardless of old currency or new currency

Date of last update of this article: October 25, 2024

Hong Kong dollar time investment strategy:

Time investment 100,000 Hong Kong dollars 6% due this month, existing money 3.7% painless savings tips for beginners

6-month Hong Kong dollar term deposit｜New currencies can earn up to 3.6% interest for large accounts $34,000 savings plan 2025

The highest 12-month Hong Kong dollar term deposit is 3.2%, and the lowest is 3% with 13 banks.