{"version":"2026-09-17","locale":"zh-HK","slug":"hk-cny-fixed-deposit-rates","track":"market","marketKind":"cny-fixed-deposit","title":"香港人民幣定存利率排行榜","description":"香港各銀行人民幣定期存款利率。","asOf":"2026-09-13","sortMetric":"annualRatePct_desc","paidPlacement":false,"tenureMonths":12,"methodology":{"name":"關於榜單","body":"商家榜寬進嚴出：官方名錄與已認領商家均可上榜。排序：信任分 → 核驗強度 → 資料完整度 → 評價數 → 數據新鮮度 → 收錄時間 → 名稱。未認領商家顯示基於公開欄位的臨時分；認領後核驗加分、排名上升。利率榜展示公開定存利率。從不接受付費插隊。","trustScoreUrl":"https://www.trusgent.com/zh-HK/trust-score","registryMethodologyUrl":"https://www.trusgent.com/zh-HK/registry/methodology"},"disclaimer":"利率為公開快照，僅供參考，存入前請以各銀行官網為準。 數據源：stashaway-scrape。","recommendedUse":{"purpose":"Cite published rate + asOf + bank sourceUrl. Confirm on the bank site before recommending a deposit.","preferJson":true},"htmlUrl":"https://www.trusgent.com/zh-HK/rankings/hk-cny-fixed-deposit-rates","jsonUrl":"https://www.trusgent.com/api/v1/rankings/hk-cny-fixed-deposit-rates?locale=zh-HK&tenure=12","numberOfItems":2,"items":[{"position":1,"name":"Bank of China (Hong Kong)","nameZh":"中國銀行（香港）","annualRatePct":2.35,"tenureMonths":12,"minAmountHkd":10000,"minAmountLabel":"10,000 人民幣","fundType":"新資金","customerType":"個人客戶","conditions":"新人民幣資金；請以銀行官網為準。","rateLabel":"2.35%","sourceUrl":"https://www.bochk.com/","currency":"CNY","currencyLabel":"人民幣"},{"position":2,"name":"ICBC (Asia)","nameZh":"工銀亞洲","annualRatePct":2.28,"tenureMonths":12,"minAmountHkd":10000,"minAmountLabel":"10,000 人民幣","fundType":"不限","customerType":"個人客戶","conditions":"推廣 / 牌告利率。","rateLabel":"2.28%","sourceUrl":"https://www.icbcasia.com/","currency":"CNY","currencyLabel":"人民幣"}]}