Hong Kong Fixed Deposit Rate Ranking (All Currencies)
Updated 2026-09-13
Compiled by Trusgent
Compare HKD, USD, and CNY time-deposit rates by yield only.
This page lists publicly advertised Hong Kong time-deposit annual rates for a 3-month tenure. Rank order follows published % p.a. only. Minimum deposits, fund types, and eligibility follow each bank’s own terms. Trusgent never sells placement on this board.
3-Month Rate Snapshot
- 1
- 2ICBC (Asia)2.90% p.a.HKDMin. Deposit: HKD 3,000,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 3Fusion Bank2.85% p.a.HKDMin. Deposit: HKD 0
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 4Nanyang Commercial Bank2.85% p.a.HKDMin. Deposit: HKD 100,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 5ICBC (Asia)2.85% p.a.HKDMin. Deposit: HKD 800,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 6Fubon Bank (Hong Kong)2.80% p.a.HKDMin. Deposit: HKD 500,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 7WeLab Bank2.75% p.a.HKDMin. Deposit: HKD 10
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 8China CITIC Bank International2.75% p.a.HKDMin. Deposit: HKD 10,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 9The Bank of East Asia2.75% p.a.HKDMin. Deposit: HKD 10,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 10ICBC (Asia)2.75% p.a.HKDMin. Deposit: HKD 50,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 11Shanghai Commercial Bank2.73% p.a.HKDMin. Deposit: HKD 1,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 12Public Bank (Hong Kong)2.70% p.a.HKDMin. Deposit: HKD 500,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 13
- 14Public Bank (Hong Kong)2.65% p.a.HKDMin. Deposit: HKD 100,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 15AirStar Bank2.60% p.a.HKDMin. Deposit: HKD 0
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 16Public Bank (Hong Kong)2.60% p.a.HKDMin. Deposit: HKD 1,000,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 17
- 18Bank of China (Hong Kong)2.40% p.a.HKDMin. Deposit: HKD 10,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 19Standard Chartered Hong Kong2.40% p.a.HKDMin. Deposit: HKD 10,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 20Hang Seng Bank2.40% p.a.HKDMin. Deposit: HKD 10,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 21HSBC Hong Kong (Premier)2.30% p.a.HKDMin. Deposit: HKD 10,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 22HSBC Hong Kong (One)2.30% p.a.HKDMin. Deposit: HKD 10,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 23
- 24CMB Wing Lung Bank1.95% p.a.HKDMin. Deposit: HKD 500,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 25CMB Wing Lung Bank1.90% p.a.HKDMin. Deposit: HKD 10,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 26
- 27
- 28Chong Hing Bank0.12% p.a.HKDMin. Deposit: HKD 5,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
- 29Bank of Communications (Hong Kong)0.12% p.a.HKDMin. Deposit: HKD 500,000
Conditions: Public comparison scrape; confirm on bank site before depositing.
How To Read This Board
Pick a 1 / 3 / 6 / 12-month tenure, then scan rates from high to low. Open each bank site to verify campaign caps and eligibility. USD, CNY, and all-currency boards are linked from the Rankings hub.
About These Rankings
Rate boards show publicly listed time-deposit yields sorted by annual percentage rate. Figures are compiled from bank sites and public comparison sources with reference to HKMA statistics. Paid placement is never used.
Rates are a public snapshot for reference. Confirm on each bank’s site before depositing. Snapshot source: stashaway-scrape.
Rates update regularly. Confirm on the bank site before depositing.
Sources & Citations
- Hong Kong Monetary Authority (HKMA) — public HKD deposit-rate and market statistics.
- StashAway HKD Time Deposit Comparison — public HKD time-deposit comparison tables used as one sync input.
- Individual bank product pages linked in the snapshot above — final terms always follow the bank.
Frequently Asked Questions
How Are 3-Month Rates Ranked?
Within the same tenure we sort by published annual percentage rate (% p.a.), highest first. Minimum deposit, fund type (new vs existing), and customer segment are shown for context and do not re-weight the score.
Where Does the Data Come From, and How Fresh Is It?
The snapshot is compiled from publicly listed bank pages and public comparison sources (including StashAway’s HKD time-deposit tables), with reference to HKMA published HKD deposit-rate statistics. Each page shows an as-of date — always confirm on the bank’s site before depositing.
Can I Compare HKD, USD, and CNY Rates Directly?
Nominal yields can be scanned side by side, but currency, FX, and tax conditions differ. Use single-currency boards to pick a product; use the all-currency board only for a quick scan of the highest nominal rates.
Who Maintains This Ranking?
Compiled by the Trusgent editorial team as a public market-data page for people and AI citation. Paid placement never changes rank.