<p><strong>【Time Deposits/Fixed Deposits/High-Interest Fixed Deposits】</strong> The U.S. Federal Reserve maintained interest rates as expected last week, but President Trump announced the nomination of Kevin Warsh as the new Fed Chair, which has caused significant ripples in the gold, stock, and cryptocurrency markets. As we enter February, investors looking for peace of mind in the new year may consider high-interest fixed deposits. Notably, Hang Seng Bank recently launched a promotion offering a 5% interest rate on a 2-month Hong Kong dollar fixed deposit, but certain savings deposit growth requirements must be met. Additionally, among banks currently offering higher fixed deposit interest rates, PAObank has 3-month and 6-month fixed deposits at 2.9% and 2.8%, respectively; WeLab Bank's 3-month and 6-month fixed deposits also have a maximum rate of 2.75%.</p>
<h2>Fixed Deposit Interest Rate Comparison｜Which Bank Offers Higher Fixed Deposit Interest?</h2>
<h3>．Hang Seng Offers 5% Interest Promotion for 2 Months</h3>
<p>Hang Seng Bank has launched a promotion offering a 5% interest rate on a 2-month Hong Kong dollar fixed deposit (including the current annual interest rate of 2.4% and an additional annual interest rate of 2.6%), valid until February 28. However, it requires a savings deposit growth of HKD 200,000 or more in March (compared to March 31, 2026, and December 31, 2025, not averaged); if the deposit growth is between HKD 50,000 and HKD 200,000, the total fixed deposit interest rate will be 3.5%.</p>
<p>It is worth noting that current accounts or fixed deposit accounts do not count towards the savings deposit growth, so new funds for the 2-month fixed deposit will not be included in the March savings deposit growth. Furthermore, the additional interest on the current 2-month Hong Kong dollar fixed deposit will be credited to the Hong Kong dollar savings deposit account by or before May 31.</p>
<p>In terms of general fixed deposit interest rates, Hang Seng offers 2.4% for 2-month and 3-month deposits, and 2.1% for 6-month deposits, which must be opened through online banking and are applicable to Superior Private Banking, Superior Banking, Superior Plus Banking, or Integrated Accounts, with a minimum deposit of HKD 10,000 in new funds. As for the bank's U.S. dollar fixed deposits for 3-month and 6-month terms, the interest rates are 3.3% and 3.2%, respectively, with a minimum deposit of USD 2,000 or more.</p>
<h3>．Mox Offers 3% for 36-Month Fixed Deposits</h3>
<p>Mox Bank's 3-month and 6-month Hong Kong dollar fixed deposit interest rates remain at 2.4%, while the 12-month rate is 2.6%, with a minimum deposit of HKD 1. Additionally, the bank is one of the few in the market offering 36-month and 48-month Hong Kong dollar fixed deposits, with interest rates of 3% and 2.9%, respectively.</p>
<p>For U.S. dollar fixed deposits, the bank offers interest rates of 3.3% for 1-month, 2-month, and 3-month terms, and 3.25% and 3.1% for 6-month and 12-month terms, respectively.</p>
<h3>．PAObank Offers 2.9% for 3-Month Fixed Deposits</h3>
<p>PAObank has launched a promotion for new funds in Hong Kong dollar 3-month fixed deposits, with an interest rate of 2.9%, and a minimum deposit of HKD 100 to HKD 1 million in new funds, valid until February 28. Additionally, the interest rates for 6-month and 12-month Hong Kong dollar fixed deposits are 2.8% and 2.7%, respectively, with a minimum deposit of HKD 100. For U.S. dollar fixed deposits, the bank offers a uniform interest rate of 2.9% for 3, 6, and 12-month terms</p>
<h3>WeLab Time Deposit Up to 2.75%</h3>
<p>WeLab Bank offers a Hong Kong dollar time deposit with a maximum interest rate of 2.75% for 3 months and 6 months, with a minimum deposit of HKD 200,000; if the deposit amount is HKD 10, the interest rates for 3, 6, and 12 months are 2.6%, 2.6%, and 2.4%, respectively.</p>
<p>In addition, the bank provides ultra-long-term time deposits for 18 and 24 months at an interest rate of 2.25%, with a minimum deposit of HKD 10. For US dollar time deposits, the interest rate is 3% for 1 month, and 3.3%, 3.3%, and 3.2% for 3, 6, and 12 months, respectively, with a minimum deposit of USD 10.</p>
<h3>Fusion Bank Raises 3-Month Rate to 2.7%</h3>
<p>Fusion Bank has raised the interest rate for existing customers' 3-month Hong Kong dollar time deposits to 2.7%; the rates for 6-month and 12-month time deposits are 2.4%, with a minimum deposit of HKD 1. For US dollar time deposits, the bank offers rates of 3.5%, 3.4%, and 3.3% for 3, 6, and 12 months, respectively.</p>
<p>Additionally, Fusion Bank is launching a &#34;Flash Monday&#34; event with an interest rate of up to 25% for Hong Kong dollar time deposits. New customers who open an account with the invitation code &#34;FLASH2026&#34; and deposit new funds before February 8 can grab a 25% 14-day Hong Kong dollar time deposit offer on Monday, with 1,500 spots available; each quota is HKD 50,000, and each customer is limited to one. At the same time, the bank also offers a 1-week rate of 8.8% and a 3-month rate of 2.8%, with 1,000 and 6,000 spots available, respectively, and each customer can grab one and 60 spots, applicable to both new and existing customers.</p>
<h3>Tianxing Bank 12-Month Rate at 2.7%</h3>
<p>Tianxing Bank offers a 3-month Hong Kong dollar time deposit interest rate of 2.2%, 4 months at 2.35%, 6 months at 2.55%, and both 9 months and 12 months at 2.7%, with a minimum deposit of HKD 1,000. For US dollar time deposits, the bank offers rates of 3.4% for both 3 months and 4 months, and 3.5% for 6 months, with 3.4% for both 9 months and 12 months.</p>
<h3>ICBC Asia 98 Days at 2.7%</h3>
<p>By opening or holding an ICBC Wealth or Financial Management account at ICBC Asia and depositing new funds for a Hong Kong dollar time deposit, the rate is 2.7% for 98 days and remains at 2.5% for 188 days, with a minimum deposit of HKD 800,000; for retail banking individual customers, the minimum deposit is HKD 50,000, with rates of 2.65% and 2.45% for 98 days and 188 days, respectively. For US dollar time deposits, the bank offers a maximum of 3.55% and 3.4% for 98 days and 188 days, respectively, with a minimum deposit of USD 100,000 or more; if the minimum deposit is USD 15,000 or more, the rates drop to 3.5% and 3.35%.</p>
<p>Additionally, new ICBC Wealth customers who deposit HKD 3 million or more for a 3-month Hong Kong dollar time deposit can enjoy a maximum interest rate of 2.78%; for new Financial Management, Financial Management e-era, or comprehensive customers, the maximum rate for 3 months is 2.68%, with a minimum deposit of HKD 100,000 or more.</p>
<h3>Fubon 3, 4, and 6 Months at 2.7%</h3>
<p>Fubon Bank offers an interest rate of 2.7% for 3-month, 4-month, and 6-month Hong Kong dollar time deposits, with rates of 2.4% for 1 month and 2 months, and 2.6% for 12 months, with a minimum deposit of HKD 500,000, applicable to both new and existing funds, and must be applied through the Fubon+ mobile application
As for the bank's 3-month USD time deposit interest rate, it is 3.7%, while the rates for 1 month and 2 months are 3.5% and 3.65% respectively. The rates for 4 months, 6 months, and 12 months are 3.7%, 3.65%, and 3.5% respectively, with a minimum deposit amount of USD 65,000 or more.</p>
<h3>．Public Bank raises 3-month rate to 2.65%</h3>
<p>Public Bank's HKD time deposit for 3 months is 2.65%, 6 months is 2.45%, and 12 months is 2.3%, with a minimum deposit amount of HKD 500,000, applicable to both new and existing funds, and must be processed through online banking. If the minimum deposit is between HKD 100,000 and HKD 500,000, the rates for 3 months and 6 months are 2.6% and 2.4% respectively, while the 12-month rate is 2.25%; if the minimum deposit is between HKD 10,000 and HKD 100,000, the rates for 3 months, 6 months, and 12 months are 2.55%, 2.35%, and 2.2% respectively.</p>
<h3>．CITIC International 3-month at 2.65%</h3>
<p>CITIC Bank (International) offers new and existing customers a 3-month HKD time deposit rate of 2.65% through the &#34;inMotion&#34; banking platform, with rates for 6 months and 12 months at 2.4% and 1.8% respectively, with a minimum deposit of HKD 100,000 in new funds. If the minimum deposit is HKD 10,000, the rates for 3, 6, and 12 months are 2.6%, 2.3%, and 1.75% respectively.</p>
<p>For USD time deposits, the rates for 3 months and 6 months are up to 3.5% and 3.4%, while the 12-month rate is 3.25%, with a minimum deposit of USD 10,000 in new funds.</p>
<h3>．Nanyang Commercial Bank 3-month time deposit at 2.65%</h3>
<p>Nanyang Commercial Bank's HKD time deposit for 3 months has a maximum interest rate of 2.65%, with a minimum deposit of HKD 1,000,000, but it is only available to selected wealth management clients; for general wealth management clients, the rate is 2.55%. The maximum rates for 6 and 12 months are 2.55% and 2.3% respectively, also available only to selected wealth management clients; for general wealth management clients, the rates are 2.45% and 2.2%. For other customers, the maximum rate for 3 months is 2.45%, with a minimum deposit of HKD 100,000, while the rates for 6 and 12 months are 2.35% and 2.1% respectively.</p>
<p>For USD time deposits, selected wealth management clients can get a maximum rate of 3.55% for 3 months, with rates for 6 months and 12 months at 3.5% and 3.25% respectively; for general clients, the rates for 3, 6, and 12 months are 3.45%, 3.4%, and 3.15% respectively, with a minimum deposit equivalent to HKD 100,000.</p>
<h3>．Livi Bank 3-month time deposit at 2.65%</h3>
<p>Livi Bank's HKD time deposit interest rate for 3 months is 2.65%, while the 4-month rate remains at 2.5%, the 6-month rate is 2.3%, and the rates for 9 months and 12 months are 2% respectively, with a minimum deposit of HKD 50,000 or more; if the minimum deposit is between HKD 500 and HKD 50,000, the rates for 3 months and 4 months are 1.1% and 1.2% respectively, while the rates for 6 months and 9 months are 1.3%, and the 12-month rate is 1.6%.</p>
<p>For USD time deposits, the rates for 3, 6, and 12 months are 3.5%, 3.4%, and 3.2% respectively.</p>
<h3>．Ant Bank 6-month at 2.6%</h3>
<p>Ant Bank's HKD time deposit for 1 month is 2%, for 3 months is 2.3%, for 6 months is 2.6%, and for 9 months and 12 months are 2.3% and 2.5% respectively, with a minimum deposit of HKD 1 in new funds. For USD time deposits, the 1-month interest rate is 3.8%, while the rates for 3, 6, 9, and 12 months are all 3%</p>
<h3>．Chiyou Bank 3-month 2.6%</h3>
<p>Chiyou Bank offers a 3-month Hong Kong dollar fixed deposit at 2.6%, 4-month at 2.5%, and 6-month and 12-month at 2.45% and 2%, respectively, with a minimum deposit amount of HKD 1 million to HKD 50 million in new funds. If the deposit amount is between HKD 200,000 and HKD 1 million, the interest rates for 3, 4, 6, and 12-month fixed deposits are 2.4%, 2.3%, 2.15%, and 1.8%, respectively. The above offers are only applicable at branches.</p>
<p>For US dollar fixed deposits, the interest rates for 3, 6, and 12 months are 3.55%, 3.25%, and 2.75%, respectively, with a minimum deposit amount of USD 125,000 to USD 10 million in new funds. If the deposit amount is between USD 30,000 and USD 125,000, the interest rates for 3, 6, and 12-month fixed deposits are 3.2%, 3.05%, and 2.65%, which are also only applicable at branches.</p>
<h3>．CCB Asia 3-month 2.6%</h3>
<p>CCB Asia offers customers a 3-month fixed deposit with a reduced interest rate of 2.6% for qualified new funds, with a minimum deposit amount of HKD 1 million or more. For US dollar fixed deposits, the interest rate for 3 months is 3.6%, with a minimum deposit amount of USD 100,000 or more.</p>
<p>For new customers opening a &#34;VIP Wealth Management&#34; account, if they open a 3-month Hong Kong dollar fixed deposit with an amount between HKD 1 million and HKD 2.5 million, the annual interest rate for the first 20% of funds is 6.88%, while the remaining 80% of funds will be calculated at another fixed deposit interest rate, with the promotional period ending on March 31.</p>
<p>Additionally, new eligible customers opening accounts through the &#34;e-account service&#34; can enjoy a cash reward of RMB 200. If they also open a securities account, they can make a 1-month fixed deposit in Hong Kong dollars at 12% with an amount of HKD 100,000, or a 3-month fixed deposit at 5.88% with the same amount; if only a general savings or checking account is opened, they can only make a 1-month fixed deposit at 12% with an amount of HKD 50,000, or a 3-month fixed deposit at 5.88% with the same amount. The promotional period ends on March 31.</p>
<h3>．Dah Sing 3-month fixed deposit 2.5%</h3>
<p>Dah Sing Bank offers VIP customers a 3-month and 6-month Hong Kong dollar fixed deposit interest rate of 2.5% and 2.4%, respectively, with a 12-month rate of 2.2%, requiring a minimum deposit of HKD 200,000. For general customers, the maximum rates for 3-month and 6-month are 2.4% and 2.3%, respectively, with a 12-month rate of 2.1%, but a minimum deposit of HKD 1 million is required. If the deposit amount is between HKD 200,000 and HKD 1 million, each deposit term is 0.1% lower.</p>
<p>For US dollar fixed deposits, VIP customers can receive a maximum of 3.4% and 3.3% for 3-month and 6-month terms, respectively, with a 12-month rate of 3.2%, requiring a minimum deposit of HKD 1 million or equivalent. For general customers, the maximum rates for 3-month and 6-month are 3.1% and 3%, respectively, with a 12-month rate of 2.9%, also requiring a minimum deposit of HKD 1 million.</p>
<h3>．Citibank 1-month 2.5%</h3>
<p>Citibank offers existing customers a 1-month Hong Kong dollar fixed deposit at 2.5%, with no maximum or minimum deposit limit. The interest rates for 2, 3, 6, and 12 months are 1.67%, 2.24%, 1.6%, and 1.6%, respectively. For US dollar fixed deposits, the maximum rate for 1 month is 3.07%, with rates for 2, 3, 6, and 12 months at 3.06%, 3.05%, 3%, and 2.85%, respectively. However, the above annual interest rates are for reference only and may fluctuate daily</p>
<h3>．Bank of East Asia 3-month 2.5%</h3>
<p>The online 3-month and 6-month Hong Kong dollar time deposit interest rates of Bank of East Asia are 2.5% and 2.4%, respectively, with a minimum deposit of HKD 10,000 in new funds, applicable to Premier Private Banking or Premier Banking customers; while the maximum rates for Supreme Banking customers, BEA GOAL, or other personal integrated accounts are 2.45% and 2.35%, respectively. For the 12-month term, the maximum rate for Premier Private Banking or Premier Banking customers is 2%, while for Supreme Banking customers, BEA GOAL, or other personal integrated accounts, it is 1.95%.</p>
<p>For US dollar time deposits, the rates for 3-month and 6-month are 3.4% and 3.2%, respectively, and 2.9% for 12 months, applicable to Premier Private Banking or Premier Banking customers; for Supreme Banking customers, BEA GOAL, or other personal integrated accounts, the rates for 3, 6, and 12 months are 3.35%, 3.15%, and 2.85%, respectively. The minimum deposit amount must be USD 1,000 or more.</p>
<h3>．HSBC 3-month 2.4%</h3>
<p>HSBC's 3-month Hong Kong dollar time deposit interest rate is 2.4%, and 2.1% for 6 months, applicable to Wealth Management customers, HSBC One, and other customers, with a minimum deposit of HKD 10,000 in new funds. For US dollar time deposits, HSBC Wealth Management customers have rates of 3.2% and 3.1% for 3-month and 6-month terms, respectively, and 3% for 12 months; HSBC One and other customers have rates of 3%, 2.9%, and 2.8%, with a minimum deposit of USD 2,000 or more in new funds.</p>
<p>Additionally, HSBC continues to offer a promotional rate of up to 10% for 1-month Hong Kong dollar time deposits, with a minimum deposit of HKD 10,000, but requires joining &#34;Transaction Hub&#34; and completing at least one transaction per month. It is worth noting that the more transactions made each month, the lower the brokerage commission, and the higher the limit for the 10% interest time deposit, with monthly transaction amount requirements ranging from HKD 1 to HKD 40 million, commissions from 0.01% to 0.25%, and deposit limits from HKD 10,000 to a maximum of HKD 4 million.</p>
<h3>．Bank of China 3-month 2.4%</h3>
<p>Bank of China Hong Kong offers a 3-month time deposit interest rate of 2.4%, and 2.1% for 6 months, with a minimum deposit of HKD 10,000, which must be opened through online banking or mobile banking. This is applicable not only to personal wealth and Bank of China Wealth Management customers but also to Smart Wealth Management, Easy Wealth Management, and other personal customers.</p>
<p>For US dollar time deposits, personal wealth and Bank of China Wealth Management customers can enjoy a 3-month time deposit interest rate of 3.2%, and 3.1% for 6 months; for Smart Wealth Management, Easy Wealth Management, and other personal customers, the rates are 0.2% lower, with a minimum deposit of USD 1,000.</p>
<h3>．Standard Chartered 3-month 2.3%</h3>
<p>Standard Chartered Bank offers a general 3-month time deposit interest rate of 2.3%, with rates of 2.1% and 2.2% for 6-month and 12-month terms, respectively, with a minimum deposit of HKD 10,000 in new funds. For US dollar time deposits, the rates for 3-month and 6-month are 3.2%, and 2.9% for 12 months, with a minimum deposit of USD 2,000 or more in new funds.</p>
<h3>．ZA Bank 12-month time deposit 2.01%</h3>
<p>ZA Bank's Hong Kong dollar time deposit rates are 0.51% for 3 months, 0.61% for 4 months, and 1.61% and 2.01% for 6 and 12 months, respectively; for US dollar time deposits, the 4-month time deposit interest rate is 3.11%
In addition, the bank has a &#34;Rate Hike Tuesday&#34; event, where users can receive 4 deposit interest rate hike coupons every Tuesday, along with a base annual interest rate of 0.1%, with a maximum rate of up to 9%. If users invite friends to complete specified actions, and the friend's progress reaches 100% on Tuesday, they can receive &#34;additional interest rate hike coupons,&#34; ultimately allowing for a maximum interest rate of 18%. However, the deposit limits, terms, interest rates, and validity period of the interest rate hike coupons are subject to the content displayed on the coupons, with the promotion period ending on March 31.</p>
<h2>Federal Reserve Meeting Schedule | How much will the U.S. cut rates?</h2>
<p>According to the CME FedWatch Tool, the probability of the Federal Reserve cutting rates by 0.25% in March 2026 is only 13.4%, while the probability of maintaining the current rate is 86.6%. By April, the probability of maintaining the current rate remains at 70.5%, with the chances of a 0.25% and 0.5% rate cut at 27% and 2.5%, respectively.</p>
<h2>Below is the Federal Reserve's 2026 meeting schedule:</h2>
<table>
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<th></th>
<th></th>
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</thead>
<tbody>
<tr>
<td>January 28, 2026</td>
<td></td>
</tr>
<tr>
<td>March 18, 2026</td>
<td></td>
</tr>
<tr>
<td>April 29, 2026</td>
<td></td>
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<tr>
<td>June 17, 2026</td>
<td></td>
</tr>
<tr>
<td>July 29, 2026</td>
<td></td>
</tr>
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<td>September 16, 2026</td>
<td></td>
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<td>October 28, 2026</td>
<td></td>
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<td>December 9, 2026</td>
<td></td>
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</tbody>
</table>

<p>The Federal Reserve maintains interest rates, and Trump's nomination of Waller as the new chairman leads to fluctuations in the gold market, stock market, and cryptocurrency market. Hang Seng Bank launches a 2-month Hong Kong dollar time deposit with a preferential interest rate of 5 basis points, subject to savings deposit growth requirements. PAObank and WeLab Bank offer 3-month time deposit rates of 2.9 basis points and 2.75 basis points, respectively. In terms of general time deposit rates, Hang Seng offers 2.4 basis points for 2-month and 3-month deposits, and 2.1 basis points for 6-month deposits. Mox Bank's time deposit rates remain between 2.4 basis points and 2.6 basis points</p>

- The U.S. Federal Reserve maintained interest rates last week, while President Trump nominated Kevin Warsh, causing significant shifts in financial markets.  
- Investors looking for stability in February may consider high-yield time deposits, with banks like Hang Seng and PAObank offering competitive rates.  
- Notably, Hang Seng's 2-month deposit now offers a 5% interest rate under certain conditions, targeting an increase in savings deposits.

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Fixed Deposit Strategy | Major Adjustment in Gold and Cryptocurrency Stocks, Fixed Deposit Safety in the New Year, 2.9% for 3 Months, A Major Bank Offers 5% High-Interest Promotion