---
title: "2026 Large Hong Kong Dollar Time Deposit Interest Rates Comparison | Deposit HKD 500,000 Annual Interest Close to 3 Cents + Comparison of Various Bank Rates"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/281290479.md"
description: "In April 2026, several banks in Hong Kong updated their fixed deposit interest rates. Taking a deposit of HKD 500,000 as an example, the annual interest rate for 12 months can reach as high as 2.7%, with annual interest amounting to HKD 13,500. This article compares the latest fixed deposit rates from over 20 banks across Hong Kong to help users choose the bank with the highest interest rate"
datetime: "2026-04-01T02:45:21.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/281290479.md)
  - [en](https://longbridge.com/en/news/281290479.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/281290479.md)
---

# 2026 Large Hong Kong Dollar Time Deposit Interest Rates Comparison | Deposit HKD 500,000 Annual Interest Close to 3 Cents + Comparison of Various Bank Rates

【Time Deposit / Time Deposit Interest Rate / Promotional Interest Rate / Latest Time Deposit Interest Rate as of April 2026】Time deposits offer higher interest rates than regular savings accounts, and the interest rate is fixed during the term, making it a stable passive income that protects capital against inflation. Some banks, in order to attract funds, will offer additional annual interest rates for large deposits. For example, for a 12-month deposit of HKD 500,000, the current annual interest rate can reach 2.7%, resulting in an interest of up to HKD 13,500 in one year! Which bank offers the highest interest rate for time deposits? This article consolidates the latest annual interest rates for time deposits from over 20 banks in Hong Kong as of April 2026 and helps you calculate how much interest you can earn.

(Note: The article only compares the annual interest rates for new deposits of HKD 500,000, categorized by deposit terms of 3 months, 6 months, and 12 months. For ease of comparison, the annual interest rate data does not include time deposit schemes with additional account opening or task requirements, nor does it include incremental interest rate promotions.)

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