2026 Time Deposits │ Time deposits are a stable and value-preserving option, making them a popular choice for conservative investors seeking hedging. Which bank in Hong Kong offers the highest interest rates for time deposits? Currently, many banks are still offering high-interest time deposit promotions, providing additional interest based on different deposit amounts, deposit periods, customer groups, etc., to attract depositors. How can one choose to achieve both &#34;financial returns and interest&#34;? This article compiles the Hong Kong dollar time deposit interest rates and latest promotions from over 20 banks, as well as information on account opening methods and deposit thresholds, to help you understand which bank offers the highest time deposit interest and find the most suitable time deposit plan for yourself. (The following information is updated as of March 16, 2026)
By opening a designated time deposit through the Fubon Bank Fubon+ mobile application, both new and existing funds can enjoy a designated promotional annual interest rate of up to 2.4%.
Fubon Bank Hong Kong Dollar Time Deposit Promotions
Deposit Period/Deposit Amount
Below HKD 10,000 to HKD 50,000
HKD 50,000 to HKD 200,000
HKD 200,000 to HKD 500,000
HKD 500,000 or above
One Month
0.27%
0.27%
0.85%
2.05%
Two Months
0.27%
0.27%
0.85%
2.05%
Three Months
0.27%
0.27%
1.15%
2.35%
Four Months
0.27%
0.27%
1.15%
2.35%
Six Months
0.27%
0.30%
1.15%
2.35%
Twelve Months
0.4%
0.50%
1.2%
2.40%
Note: Interest rates are for reference only, and all information is subject to the bank's announcements.
For deposit amounts of HKD 1,000,000 or above
Deposit Period
Hong Kong Dollar Annual Interest Rate
One Month
1.75%
Two Months
1.75%
Three Months
2.05%
Four Months
2.05%
Six Months
2.05%
Twelve Months
2.10%
Note: Interest rates are for reference only, and all information is subject to the bank's announcements.
ICBC (Asia) customers must open/hold an account during the promotional period and deposit eligible new funds to the branch for 98-day/188-day time deposits to enjoy the following preferential annual interest rates:
Promotional Period: March 3 to 31, 2026 (including both start and end days)
ICBC (Asia) New Funds Time Deposit Promotions
Category
Deposit Amount
98 Days
188 Days
ICBC Wealth/Financial Gold Customers
HKD 800,000 or above
2.30%
2.30%
Retail Banking Individual Customers
HKD 50,000 or above
2.25%
2.25%
By opening a 1-month/2-month/3-month/6-month/12-month Hong Kong dollar time deposit through ICBC (Asia) Online Banking or Mobile Banking, preferential annual interest rates can be enjoyed as follows based on different deposit periods and amounts:
ICBC Wealth / Wealth Management Gold Customer Hong Kong Dollar Deposit Offers
Deposit Period
HKD 50,000 to below 800,000
HKD 800,000 or above
HKD 3,000,000 or above *
1 Month
1.40%
1.50%
1.65%
2 Months
1.80%
1.90%
2.05%
3 Months
2.10%
2.20%
2.25%
6 Months
2.05%
2.15%
2.20%
12 Months
1.85%
1.95%
2.00%
E-era / Comprehensive Customer Deposit of HKD 50,000 or above:
Fixed Deposit Amount
HKD 50,000 or above
1 Month
1.40%
2 Months
1.80%
3 Months
2.10%
6 Months
2.05%
12 Months
1.85%
HSBC Trading Hub website shows that by using HSBC Trading Hub and completing a transaction, you can enjoy a 10-cent high-interest 1-month Hong Kong dollar fixed deposit. Depending on the transaction amount from the previous month, there are different upper limits for the preferential fixed deposit amounts, ranging from HKD 10,000 to HKD 4,000,000.
Additionally, HSBC offers 3-month and 6-month new fund Hong Kong dollar fixed deposit offers, with a minimum deposit amount of HKD 10,000.
Bank of China’s &#34;Comprehensive Wealth Management Service&#34; personal banking customers can enjoy the following preferential annual interest rates by exchanging existing foreign currency funds to open a 7-day or 1-month &#34;Premium Hong Kong Dollar Fixed Deposit (exchanged from foreign currency)&#34; of HKD 50,000 or above:
Personal banking customers can enjoy the following preferential annual interest rates by opening a 3-month or 6-month &#34;New Fund Premium Fixed Deposit&#34; with a &#34;Qualified New Fund Balance&#34; of HKD 10,000 or above through online banking or mobile banking:
Hang Seng Bank also offers 3-month and 6-month Hong Kong dollar fixed deposit offers, with a minimum deposit amount of HKD 10,000 in new funds.
From now until March 31, 2026 (Note: for reference only), by using the Standard Chartered SC Mobile App or online banking, you can enjoy preferential fixed deposit annual interest rates by opening fixed deposits with new funds, with a minimum deposit amount of HKD 10,000, for deposit periods including 3 months, 6 months, and 12 months.
Nanyang Commercial Bank offers different fixed deposit promotions, among which the &#34;Smart Interest&#34; new fund fixed deposit product provides fixed deposits from 1 month to 12 months, with different annual interest rates based on different minimum deposit amounts and deposit periods. For example, the promotional interest rates listed on the bank's website on March 12 can be as high as 2.4 cents:
During the promotional period, by handling Hong Kong dollar fixed deposits through Shanghai Commercial Bank personal online banking or mobile banking, you can enjoy preferential annual interest rates for fixed deposits.
By opening DBS Bank Fixed Deposits online with new funds, you can enjoy preferential annual interest rates of up to 2.05 cents, with a minimum deposit amount of HKD 50,000 for the preferential fixed deposit
DBS Bank Hong Kong Dollar Time Deposit Rates (New Funds of HKD 50,000 or above)
Deposit Period
General DBS Customers
DBS Treasures and Private Clients
1 Month
1.40%
1.40%
2 Months
1.50%
1.50%
3 Months
2.05%
2.05%
4 Months
1.90%
1.90%
6 Months
1.90%
1.90%
9 Months
1.90%
1.90%
12 Months
1.90%
1.90%
Through online banking or mobile banking, during service hours, by setting up a time deposit with a specified amount of &#34;eligible new funds balance&#34; or existing funds, customers can enjoy the Bank of East Asia Hong Kong Dollar Time Deposit Special Annual Interest Rate (the annual interest rate listed by the bank on March 13):
Bank of Communications also offers different time deposit promotions (the figure shows the annual interest rate announced by the bank on March 13):
Public Bank offers Hong Kong Dollar time deposits from 1 day to 12 months, providing different annual interest rates based on different deposit amounts and periods, with a maximum rate of 2.2%.
China Merchants Yonglong offers time deposits from 1 week to 24 months, with different rates based on different deposit amounts and periods:
China Construction Bank's new funds time deposit promotion, customers who open time deposits of over HKD 1 million with eligible new funds can enjoy special annual interest rates.
Additionally, from March 12, 2026, to April 16, 2026, customers of the bank who successfully open a &#34;Monthly Interest Increment Savings Account&#34; and register for the monthly interest increment offer, and deposit funds within the deposit opening period of 1 month, can enjoy a progressive annual interest rate of up to 2% for Hong Kong Dollar savings deposits.
Individual customers opening Hong Kong Dollar time deposits with new funds through &#34;inMotion Dynamic Banking&#34; can enjoy an annual interest rate of up to 2.35% (the preferential annual interest rate announced on March 12, 2026), with a minimum deposit amount as low as HKD 10,000.
Chong Hing Bank offers time deposits from 1 day to 24 months, eligible Hong Kong Dollar time deposits start from HKD 5,000, with different rates based on different deposit periods and amounts:
Several virtual banks have launched high-interest time deposit promotions.
PAObank offers time deposits with a low threshold for opening, allowing deposits for periods of 1 to 12 months anytime and anywhere, with an annual interest rate of up to 2.5%.
The virtual bank Tianxing Bank's Hong Kong Dollar time deposit has a minimum deposit amount of HKD 1,000, with deposit periods ranging from 1 week to 12 months, and an annual interest rate of up to 2.55%.
Similarly, WeLab Bank, another virtual bank, offers Hong Kong Dollar time deposits with a minimum deposit amount as low as HKD 10, with deposit periods ranging from 1 month to 24 months, and an annual interest rate of up to 2.45%.
Furong Bank allows flexible selection of deposit periods from 1 week to 12 months
By opening a fixed deposit with new funds at Mox Bank, customers can enjoy a preferential deposit annual interest rate of up to 2.3%, with a minimum deposit amount as low as HKD 1, and the deposit period can be chosen from 3 months to 48 months.
Ant Bank offers HKD fixed deposits for 1 to 12 months and provides additional annual interest rates for new funds and large fixed deposits.
Livi Bank offers HKD fixed deposits for 7 days to 12 months, with a minimum deposit amount as low as HKD 500.
ZA Bank provides fixed deposits with deposit periods ranging from 7 days to 12 months, with a low opening threshold of HKD 1

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The comparison of fixed deposit interest rates in Hong Kong for 2026 shows that over 20 banks offer high-interest fixed deposit promotions, attracting conservative investors. Fubon Bank's fixed deposit rate can reach up to 2.4%, with different rates depending on the deposit amount and term. ICBC (Asia) offers special annual interest rates during the promotional period, allowing customers to enjoy different rates based on the deposit amount. This article compiles the fixed deposit rates, promotions, and account opening methods of various banks to help investors choose the most suitable fixed deposit plan

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Comparison of Hong Kong Dollar Time Deposit Interest Rates 2026 | Top 10 Banks with Highest 10 Cents High-Interest Offers and Deposit Thresholds