HKD time-deposit rate comparison (6 HK banks, updated daily)
A comparison of HKD time-deposit board rates at major Hong Kong banks, ranked by tenor and deposit amount. Figures are collected automatically each day from each bank's official website, for reference only; the bank's latest published rates prevail.
3 months · HK$100,000 time-deposit rate ranking
| Rank | Bank | Rate (p.a.) | Applicable amount tier |
|---|---|---|---|
| 1 | 0.27% | HKD50,000- 199,999 | |
| 2 | 0.125% | 港元100,000至港元499,999 | |
| 3 | 0.125% | 100,000 至 499,999 | |
| 4 | 0.125% | 港元100,000 至 港元499,999 | |
| 5 | 0.125% | 港元100,000 至 港元499,999 | |
| 6 | 0.01% | — |
Updated on 2026-08-30．Rates are automatically collected from each bank's official website for reference only; the bank's latest published rates prevail.
How to read this comparison
Choose a tenor (e.g. three months) and a deposit amount to rank each bank's board rate high to low; select a bank name to expand its full tenor breakdown. Board rates are usually lower than promotional / new-fund rates, which carry conditions and are not available to everyone.
- Board rate = the standard published rate for ordinary depositors.
- Promotional rate = new-customer or new-fund offers with conditions and time limits — not covered here.
- Actual rates, minimum amounts and terms are subject to each bank's official announcement.
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