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Top 10 Best HKD Time Deposit Rates in Hong Kong June 2026
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#1
WeLab Bank GoSave Time Deposit - WeLab Bank
WeLab Bank's GoSave Time Deposit offers a market-leading annualized rate of 4.5% for a 3-month tenor on HKD deposits from HK$10 to HK$100,000. This digital bank product is ideal for tech-savvy savers seeking a simple, fully online experience with no minimum deposit requirement. The standout feature is the flexible early withdrawal option, which incurs a penalty but still retains partial interest, making it a liquid yet high-yield choice for short-term cash parking.
#2
ZA Bank Time Deposit - ZA Bank
ZA Bank offers a competitive HKD time deposit with rates up to 4.2% for a 1-month tenor and a 3.8% rate for 3 months, making it a top pick for short-term savers who want daily liquidity. Deposits start from HK$1,000 and go up to HK$300,000. The mobile-first experience allows instant setup and access, with no branch visit required. ZA Bank's product suits investors looking for a high-interest, low-friction alternative to traditional bank deposits.
#3
Mox Time Deposit - Mox Bank
Mox Bank offers a HKD time deposit with a flat rate of 3.6% for 3-month and 6-month tenors, designed for customers seeking simplicity without tiered rates. Deposits from HK$1,000 to HK$500,000 are accepted, with instant account setup via the Mox app. The key differentiator is the transparent, single-rate structure that does not vary by deposit amount, making it predictable for budget-conscious savers. Mox also offers a unique 'Goal Save' feature linked to deposits.