Find the best fixed deposits and time deposits in Hong Kong

Make a flourish return saving in time deposits, a good time deposit give you high interest or it provides security over the years in long-term. Decide you future by making a choice now, click on the "Apply Now" button to begin the application process.

Product: Time Deposit Currency 3 Months 6 Months 12 Months Apply Now
ICICI Bank
Fixed Deposit
HK$ 0.30 0.35 1.10 Apply Now
ICICI Bank
Fixed Deposit
US$ 0.45 0.55 1.20 Apply Now
ICICI Bank
Fixed Deposit
RMB 3.35 3.55 3.85 Apply Now
Chiyu Banking Corporation
Fixed Deposit
US$ 0.02 0.08 0.20 Apply Now
Chiyu Banking Corporation
Hong Kong Dollar Time Deposit Account
HK$ 0.02 0.05 0.50 Apply Now
Chiyu Banking Corporation
Fixed Deposit
RMB 0.55 0.60 0.60 Apply Now
ICBC Asia
Time Deposit
HK$ 0.30 0.41 0.56 Apply Now
ICBC Asia
Time Deposit
US$ 0.25 0.43 0.55 Apply Now
ICBC Asia
Time Deposit
RMB 0.60 0.60 0.61 Apply Now
Nanyang Commercial Bank
Fixed Deposit
US$ 0.02 0.08 0.20 Apply Now
Nanyang Commercial Bank
Fixed Deposit
HK$ 0.02 0.05 0.20 Apply Now
Nanyang Commercial Bank
Fixed Deposit
RMB 0.55 0.60 0.60 Apply Now
Dah Sing Bank
US$ 0.07 0.16 0.41 Apply Now
Dah Sing Bank
HKD & Foreign Currency Fixed Deposit
HK$ 0.20 0.23 0.35 Apply Now
Dah Sing Bank
RMB 0.20 0.23 0.35 Apply Now
China Merchants Bank
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US$ 10.00 23.00 45.00 Apply Now
Shanghai Commercial Bank
Fixed Deposit
US$ 0.15 0.25 0.35 Apply Now
Shanghai Commercial Bank
Fixed Deposit
HK$ 0.20 0.30 0.50 Apply Now
Shanghai Commercial Bank
Fixed Deposit
RMB 2.25 2.45 2.65 Apply Now
CITIC International
Foreign Currency Time Deposit
US$ 0.01 0.10 0.30 Apply Now
CITIC International
RMB Time Deposit
RMB 0.53 0.57 0.60 Apply Now
CITIC International
HKD Time Deposit
HK$ 0.08 0.15 0.18 Apply Now
China Construction Bank
Fixed Deposit
US$ 0.08 0.15 0.30 Apply Now
China Construction Bank
Hong Kong Dollar Time Deposit Account
HK$ 0.08 0.20 0.35 Apply Now
China Construction Bank
Fixed Deposit
RMB 0.80 1.00 Apply Now
Public Bank Hong Kong
Fixed Deposit
US$ 0.35 0.50 0.75 Apply Now
Public Bank Hong Kong
Fixed Deposit
RMB 1.90 2.00 2.10 Apply Now
Public Bank Hong Kong
Fixed Deposit
HK$ 0.60 0.70 0.90 Apply Now
Bank of Communications
Foreign Currency Time Deposit
US$ 0.16 0.29 0.40 Apply Now
Bank of Communications
Renminbi Time Deposits
RMB 0.75 0.80 0.85 Apply Now
Bank of Communications
HKD Time Deposits
HK$ 0.25 0.30 0.50 Apply Now
Chong Hing Bank
Foreign Fixed Deposit
US$ 0.18 0.40 0.51 Apply Now
Chong Hing Bank
Foreign Fixed Deposit
HK$ 0.25 0.33 0.50 Apply Now
Chong Hing Bank
Fixed Deposit
RMB 0.61 0.68 0.68 Apply Now
DBS
Time Deposit
US$ 0.01 0.10 0.20 Apply Now
DBS
Time Deposit
HK$ 0.01 0.05 0.15 Apply Now
DBS
Time Deposit
RMB 0.50 0.50 0.55 Apply Now
Wing Lung Bank
Fixed Deposit
US$ 0.28 0.46 0.65 Apply Now
Wing Lung Bank
Fixed Deposit
RMB 0.85 0.90 1.00 Apply Now
Wing Lung Bank
Fixed Deposit
HK$ 0.20 0.30 0.45 Apply Now
Fubon Bank
Fubon USD Savings Account
US$ 0.16 0.29 0.40 Apply Now
Fubon Bank
Fubon Renminbi Savings Account
RMB 1.00 1.10 Apply Now
Fubon Bank
Fubon HKD Savings Account
HK$ 0.15 0.23 0.32 Apply Now
Bank of East Asia
Foreign Currency Deposit
US$ 0.08 0.15 0.18 Apply Now
Bank of East Asia
Foreign Currency Deposits
RMB 0.15 0.25 0.38 Apply Now
Bank of East Asia
Foreign Currency Deposit
HK$ 0.15 0.23 0.38 Apply Now

What is a Fixed Deposit and Time Deposit?

Fixed Deposit also known as Time Deposit in Hong Kong. If you are a minimal risk seeker, you may go for Fixed Deposit as is a type investment account that pays a higher fixed rate of interest until a given maturity date. Funds placed in a Fixed Deposit usually cannot be withdrawn prior to agreed date. You may invest your money as term deposit in Hong Kong Dollar or Foreign Currency such as USD and Renminbi.

Fixed Deposits and Time Deposits in Hong Kong

Minimum deposit for Hong Kong Dollar Fixed Deposit is HKD10, 000 and you can choose deposit period from 7 days to 60 months. Higher interest will be offered if your deposit is above HKD500, 000. Same for Foreign Currency Fixed Deposit but the only difference is this term deposit will offer higher interest rate but more risky in terms of foreign exchange rate. The interest rate can vary from 0.01%-0.90% per annum depends on your agreement.

Why using a Fixed Deposit and a Time Deposit?

Fixed Deposit is suitable for someone, who has some lump-sum amount and wants to invest it for a specific time interval. Interest rate depends upon the maturity period, longer the period greater the interest rate. You can choose either for periodical returns such as monthly/quarterly/half yearly or annually or simply go for the amount with accumulated interest at the end of the prescribed term. You may withdraw partial or all the money before agreed period but there is penalty amount and varies across banks.