Bank Deposit Rates
Updated: 2026-09-10
Daily HKD time deposit promotional rates from 7 major banks. Data sourced from official bank websites.
🏦 HKD Time Deposit Rates
The following are promotional online banking rates for new funds. Board rates (standard listed rates) are typically very low (0.1–0.3%) — you should proactively enquire with banks about promotional offers.
| Bank | 1 Month | 3 Months | 6 Months | 12 Months |
|---|---|---|---|---|
HSBC✓ 滙豐銀行 | — | 2.40% | 2.20% | — |
BOCHK✓ 中銀香港 | — | 2.40% | 2.40% | 3.00%🏆 |
Hang Seng✓ 恒生銀行 | 1.20% | 2.40% | 2.40% | 2.00% |
Standard Chartered✓ 渣打銀行 | — | 2.40% | 2.40% | 2.80% |
ICBC Asia✓ 工銀亞洲 | 1.50% | 2.85% | 3.00%🏆 | 3.00%🏆 |
BEA✓ 東亞銀行 | 1.50% | 2.65% | 2.65% | 2.65% |
Citibank✓ 花旗銀行 | 2.30% | 2.45% | 2.38% | 2.39% |
DBS✓ 星展銀行 | 2.00% | 2.45% | 2.50% | 2.40% |
CMB Wing Lung✓ 招商永隆 | 1.15% | 1.95% | 2.95% | 2.00% |
Bank of Communications✓ 交通銀行 | 2.20% | 2.55% | 2.85% | 2.75% |
🏆 = Highest rate among all banks. Rates fluctuate daily. The above are reference figures only; actual rates are as announced by the banks. Please confirm the latest promotional offers with the bank before depositing. Last updated: 2026-09-10.
📒 Expense Tracker
Track daily spending with category breakdown, budget monitoring, and pie chart analysis.
Start Tracking →Pair with Our Calculators
Once you've picked a deposit rate, use these calculators to compute your returns.
Fixed Deposit Calculator
Enter principal and rate — get maturity interest instantly
Compound Interest Calculator
Visualise long-term deposit compounding returns
DCA Calculator
Compare fixed deposits vs monthly ETF investing over the long run
Forex Converter
Essential for foreign currency deposits — live exchange rates
Rate data source: official bank websites · Updated regularly · Actual rates as announced by banks
⚠️ Disclaimer: The rate data provided on this page is for reference only and does not constitute any deposit advice. Rates may go up or down. Please check with the relevant bank for the latest promotional offers and terms.