For Immediate Release

Top10Grid Ranks The 5 Top 10 Best HKD Time Deposit Rates in Hong Kong June 2026

Published by Top10Grid — June 3, 2026

The highest HKD time deposit rates across Hong Kong banks for June 2026. Ranked by effective APR with minimum deposit requirements and tenor options.

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Key Statistics

Items Ranked

FINANCE

Top 5 Rankings

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.
4
Fusion Bank Time Deposit - Fusion Bank
Fusion Bank offers a promotional HKD time deposit rate of 3.5% for 3 months and 3.2% for 6 months, with a low entry point of HK$500. This digital bank product is tailored for young professionals and first-time savers, featuring a fully automated process via the Fusion Bank app. The standout feature is the flexible deposit range from HK$500 to HK$500,000, and the ability to cancel early with a reduced interest payment. Fusion Bank is a joint venture of four major mainland banks, adding credibility.
5
HSBC Premier Time Deposit - HSBC Hong Kong
HSBC offers a promotional HKD time deposit rate of 3.2% for 3 months for HSBC Premier customers, with a minimum deposit of HK$10,000. This product is designed for high-net-worth individuals seeking a stable return with the security of a major international bank. The key differentiator is access to HSBC's global banking network and premium services, including relationship managers and cross-border transfers. The rate applies to new funds, and auto-renewal is available at the prevailing rate.

View the full ranking at https://dev.top10grid.com/top-10-best-hkd-time-deposit-rates-in-hong-kong-june-2026

Methodology

Rankings on Top10Grid are determined by community consensus combined with editorial research. The platform uses a Wilson Score algorithm to produce statistically robust rankings based on real user votes, ensuring that results reflect genuine community sentiment rather than raw vote counts. Editorial teams supplement community data with third-party sources across 30+ integrations (Spotify, Wikipedia, TMDB, GitHub, Hacker News, and more).

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View the full ranking: https://dev.top10grid.com/top-10-best-hkd-time-deposit-rates-in-hong-kong-june-2026

Top 5 Rankings

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.

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.

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.

Fusion Bank Time Deposit - Fusion Bank

Fusion Bank offers a promotional HKD time deposit rate of 3.5% for 3 months and 3.2% for 6 months, with a low entry point of HK$500. This digital bank product is tailored for young professionals and first-time savers, featuring a fully automated process via the Fusion Bank app. The standout feature is the flexible deposit range from HK$500 to HK$500,000, and the ability to cancel early with a reduced interest payment. Fusion Bank is a joint venture of four major mainland banks, adding credibility.

HSBC Premier Time Deposit - HSBC Hong Kong

HSBC offers a promotional HKD time deposit rate of 3.2% for 3 months for HSBC Premier customers, with a minimum deposit of HK$10,000. This product is designed for high-net-worth individuals seeking a stable return with the security of a major international bank. The key differentiator is access to HSBC's global banking network and premium services, including relationship managers and cross-border transfers. The rate applies to new funds, and auto-renewal is available at the prevailing rate.

Methodology

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<iframe
  src="https://dev.top10grid.com/embed/top-10-best-hkd-time-deposit-rates-in-hong-kong-june-2026"
  width="480"
  height="520"
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  scrolling="no"
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  title="Top 10 Best HKD Time Deposit Rates in Hong Kong June 2026 — Top10Grid"
></iframe>