Airstar Bank Time Deposit

Airstar Bank (a Xiaomi and AMTD joint venture licensed by HKMA) focuses on short-term time deposits of 1-3 months with promotional rates reaching 4.0% p.a. for new customer funds. The HK$500 minimum deposit makes it the lowest entry point for time deposit rate-chasing in Hong Kong. Airstar's mobile app has one of the most transparent UX designs among HK virtual banks — rate promotions are displayed with clear effective yield calculations, expiry dates, and automatic rollover options to avoid rate cliff-falls.