Top 10 Best HKD Time Deposit Rates in Hong Kong June 2026

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.

ZA Bank Time Deposit - ZA 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.

Mox Time Deposit - Mox 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.

Fusion Bank Time Deposit - Fusion Bank

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.

HSBC Premier Time Deposit - HSBC Hong Kong

Hang Seng Bank offers a promotional HKD time deposit rate of 3.0% for 3 months, available to both new and existing customers with a minimum deposit of HK$10,000. This product suits savers who value the stability and wide branch network of a major local bank. The key differentiator is that the promotional rate is accessible without requiring new funds, making it easy for existing customers to roll over deposits. Tenor options include 1, 3, 6, and 12 months, with auto-renewal at maturity.

Hang Seng Time Deposit - Hang Seng Bank

Standard Chartered offers a promotional HKD time deposit rate of 2.8% for 3 months for Priority Banking customers, with a minimum deposit of HK$50,000. This product targets affluent individuals seeking a reliable return with added banking perks. The key differentiator is the access to Standard Chartered's Priority Banking services, including priority support and investment insights. Tenor options range from 1 to 12 months, and the rate requires new funds. Auto-renewal is available, but rates may vary.

Standard Chartered Priority Time Deposit - Standard Chartered Hong Kong

Citibank offers a promotional HKD time deposit rate of 2.6% for 3 months for Citigold customers, with a minimum deposit of HK$50,000. This product is designed for high-net-worth individuals who want a competitive rate with the convenience of a global bank. The key differentiator is the access to Citi's global banking network and tailored financial advice. Tenor options include 1, 3, 6, and 12 months. New funds are required for the promotional rate, and auto-renewal is available.

Citi Time Deposit - Citibank Hong Kong

BOCHK offers a promotional HKD time deposit rate of 2.5% for 3 months, available to all customers with a minimum deposit of HK$10,000. This product suits savers who prefer a traditional bank with a strong local presence. The key differentiator is the flexible deposit amount up to HK$5 million and the ability to apply via mobile app or branch. New funds are required for the promotional rate. Tenor options include 1, 3, 6, and 12 months.

BOCHK Time Deposit - Bank of China (Hong Kong)

BEA offers a standard HKD time deposit rate of 2.2% for 3 months, with a minimum deposit of HK$5,000. This product is ideal for customers seeking a low entry point and the stability of a long-established Hong Kong bank. The key differentiator is the very low minimum deposit, making it accessible to small savers. Tenor options range from 1 to 12 months. Auto-renewal is available, and no new funds are required for standard rates, but promotional rates may vary.

BEA Time Deposit - Bank of East Asia