{"version":"2026-09-17","locale":"zh-HK","slug":"hk-fixed-deposit-rates-all","track":"market","marketKind":"all-fixed-deposit","title":"香港定存利率總排行榜（全幣種）","description":"不區分幣種，按年利率比較港元、美元、人民幣定存。","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-fixed-deposit-rates-all","jsonUrl":"https://www.trusgent.com/api/v1/rankings/hk-fixed-deposit-rates-all?locale=zh-HK&tenure=12","numberOfItems":27,"items":[{"position":1,"name":"HSBC Hong Kong","nameZh":"滙豐香港","annualRatePct":4.15,"tenureMonths":12,"minAmountHkd":10000,"minAmountLabel":"10,000 美元","fundType":"新資金","customerType":"個人銀行客戶","conditions":"新美元資金；部分客戶級別適用。","rateLabel":"4.15%","sourceUrl":"https://www.hsbc.com.hk/","currency":"USD","currencyLabel":"美元"},{"position":2,"name":"Standard Chartered Hong Kong","nameZh":"渣打香港","annualRatePct":4.05,"tenureMonths":12,"minAmountHkd":5000,"minAmountLabel":"5,000 美元","fundType":"新資金","customerType":"個人銀行客戶","conditions":"推廣利率；請以銀行官網為準。","rateLabel":"4.05%","sourceUrl":"https://www.sc.com/hk/","currency":"USD","currencyLabel":"美元"},{"position":3,"name":"AirStar Bank","nameZh":"天星銀行","annualRatePct":3.1,"tenureMonths":12,"minAmountHkd":0,"minAmountLabel":"0 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"3.10%","sourceUrl":"https://www.airstarbank.com/","currency":"HKD","currencyLabel":"港元"},{"position":4,"name":"Nanyang Commercial Bank","nameZh":"南洋商業銀行","annualRatePct":3.05,"tenureMonths":12,"minAmountHkd":100000,"minAmountLabel":"100,000 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"3.05%","sourceUrl":"https://www.ncb.com.hk/","currency":"HKD","currencyLabel":"港元"},{"position":5,"name":"Fubon Bank (Hong Kong)","nameZh":"富邦銀行（香港）","annualRatePct":3.05,"tenureMonths":12,"minAmountHkd":500000,"minAmountLabel":"500,000 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"3.05%","sourceUrl":"https://www.fubonbank.com.hk/","currency":"HKD","currencyLabel":"港元"},{"position":6,"name":"Fusion Bank","nameZh":"富融銀行","annualRatePct":3,"tenureMonths":12,"minAmountHkd":0,"minAmountLabel":"0 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"3.00%","sourceUrl":"https://www.fusionbank.com/","currency":"HKD","currencyLabel":"港元"},{"position":7,"name":"WeLab Bank","nameZh":"匯立銀行","annualRatePct":3,"tenureMonths":12,"minAmountHkd":10,"minAmountLabel":"10 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"3.00%","sourceUrl":"https://www.welab.bank/","currency":"HKD","currencyLabel":"港元"},{"position":8,"name":"China CITIC Bank International","nameZh":"中信銀行（國際）","annualRatePct":3,"tenureMonths":12,"minAmountHkd":10000,"minAmountLabel":"10,000 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"3.00%","sourceUrl":"https://www.cncbinternational.com/","currency":"HKD","currencyLabel":"港元"},{"position":9,"name":"Shanghai Commercial Bank","nameZh":"上海商業銀行","annualRatePct":2.98,"tenureMonths":12,"minAmountHkd":1000,"minAmountLabel":"1,000 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"2.98%","sourceUrl":"https://www.shacombank.com.hk/","currency":"HKD","currencyLabel":"港元"},{"position":10,"name":"Public Bank (Hong Kong)","nameZh":"大眾銀行（香港）","annualRatePct":2.95,"tenureMonths":12,"minAmountHkd":500000,"minAmountLabel":"500,000 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"2.95%","sourceUrl":"https://www.publicbank.com.hk/","currency":"HKD","currencyLabel":"港元"},{"position":11,"name":"ICBC (Asia)","nameZh":"工銀亞洲","annualRatePct":2.95,"tenureMonths":12,"minAmountHkd":3000000,"minAmountLabel":"3,000,000 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"2.95%","sourceUrl":"https://www.icbcasia.com/","currency":"HKD","currencyLabel":"港元"},{"position":12,"name":"Mox Bank","nameZh":"Mox 銀行","annualRatePct":2.9,"tenureMonths":12,"minAmountHkd":1,"minAmountLabel":"1 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"2.90%","sourceUrl":"https://www.mox.com/","currency":"HKD","currencyLabel":"港元"},{"position":13,"name":"Public Bank (Hong Kong)","nameZh":"大眾銀行（香港）","annualRatePct":2.9,"tenureMonths":12,"minAmountHkd":100000,"minAmountLabel":"100,000 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"2.90%","sourceUrl":"https://www.publicbank.com.hk/","currency":"HKD","currencyLabel":"港元"},{"position":14,"name":"ICBC (Asia)","nameZh":"工銀亞洲","annualRatePct":2.9,"tenureMonths":12,"minAmountHkd":800000,"minAmountLabel":"800,000 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"2.90%","sourceUrl":"https://www.icbcasia.com/","currency":"HKD","currencyLabel":"港元"},{"position":15,"name":"Public Bank (Hong Kong)","nameZh":"大眾銀行（香港）","annualRatePct":2.85,"tenureMonths":12,"minAmountHkd":1000000,"minAmountLabel":"1,000,000 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"2.85%","sourceUrl":"https://www.publicbank.com.hk/","currency":"HKD","currencyLabel":"港元"},{"position":16,"name":"Standard Chartered Hong Kong","nameZh":"渣打香港","annualRatePct":2.8,"tenureMonths":12,"minAmountHkd":10000,"minAmountLabel":"10,000 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"2.80%","sourceUrl":"https://www.sc.com/hk/","currency":"HKD","currencyLabel":"港元"},{"position":17,"name":"ICBC (Asia)","nameZh":"工銀亞洲","annualRatePct":2.8,"tenureMonths":12,"minAmountHkd":50000,"minAmountLabel":"50,000 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"2.80%","sourceUrl":"https://www.icbcasia.com/","currency":"HKD","currencyLabel":"港元"},{"position":18,"name":"The Bank of East Asia","nameZh":"東亞銀行","annualRatePct":2.75,"tenureMonths":12,"minAmountHkd":10000,"minAmountLabel":"10,000 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"2.75%","sourceUrl":"https://www.hkbea.com/","currency":"HKD","currencyLabel":"港元"},{"position":19,"name":"Livi Bank","nameZh":"理慧銀行","annualRatePct":2.7,"tenureMonths":12,"minAmountHkd":50000,"minAmountLabel":"50,000 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"2.70%","sourceUrl":"https://www.livibank.com/","currency":"HKD","currencyLabel":"港元"},{"position":20,"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":21,"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"},{"position":22,"name":"ZA Bank","nameZh":"眾安銀行","annualRatePct":2.01,"tenureMonths":12,"minAmountHkd":1,"minAmountLabel":"1 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"2.01%","sourceUrl":"https://bank.za.group/","currency":"HKD","currencyLabel":"港元"},{"position":23,"name":"CMB Wing Lung Bank","nameZh":"招商永隆銀行","annualRatePct":2,"tenureMonths":12,"minAmountHkd":500000,"minAmountLabel":"500,000 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"2.00%","sourceUrl":"https://www.cmbwinglungbank.com/","currency":"HKD","currencyLabel":"港元"},{"position":24,"name":"CMB Wing Lung Bank","nameZh":"招商永隆銀行","annualRatePct":1.95,"tenureMonths":12,"minAmountHkd":10000,"minAmountLabel":"10,000 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"1.95%","sourceUrl":"https://www.cmbwinglungbank.com/","currency":"HKD","currencyLabel":"港元"},{"position":25,"name":"Livi Bank","nameZh":"理慧銀行","annualRatePct":1.6,"tenureMonths":12,"minAmountHkd":500,"minAmountLabel":"500 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"1.60%","sourceUrl":"https://www.livibank.com/","currency":"HKD","currencyLabel":"港元"},{"position":26,"name":"Chong Hing Bank","nameZh":"創興銀行","annualRatePct":0.25,"tenureMonths":12,"minAmountHkd":5000,"minAmountLabel":"5,000 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"0.25%","sourceUrl":"https://www.chbank.com/","currency":"HKD","currencyLabel":"港元"},{"position":27,"name":"Bank of Communications (Hong Kong)","nameZh":"交通銀行（香港）","annualRatePct":0.15,"tenureMonths":12,"minAmountHkd":500000,"minAmountLabel":"500,000 港元","fundType":"不限","customerType":"個人／公開牌告","conditions":"公開比較頁摘錄；存入前請以銀行官網為準。","rateLabel":"0.15%","sourceUrl":"https://www.hk.bankcomm.com/","currency":"HKD","currencyLabel":"港元"}]}