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Best 12-month time deposit rates in Hong Kong

Best 12-month rate per provider for a HK$100,000 deposit, open to any customer, read from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.

3-month 6-month All tenures and amounts

Bank	Rate p.a.	Tenure	Deposit	Details	Link
EleBank (formerly Airstar Bank)HKD Time Deposit	3.45%≈ HK$3,450 in 12 months	12 months	Not stated	Board rate Personal accounts; Rates are for reference only; the EleBank Mobile App shows the latest rates	Go to bank
Standard Chartered Hong KongOnline New Fund HKD Time Deposit	3.30%≈ HK$3,300 in 12 months	12 months	HK$10,000 +	PromoFresh funds Via Online; New funds of HKD10,000 or above; Set up via SC Mobile App or Online Banking; Offer until 31 October 2026	Go to bank
Mox BankHKD New Funds Time Deposit	3.20%≈ HK$3,200 in 12 months	12 months	Not stated	PromoFresh funds Via App; New funds only; Interest credited upfront; Minimum deposit not stated on the page	Go to bank
Bank of China (Hong Kong)HKD Fixed Deposit (board rate)	0.15%≈ HK$150 in 12 months	12 months	HK$100,000 – HK$499,999	Board rate HKD board rates	Go to bank
Hang Seng BankHKD Time Deposit (board rate)	0.15%≈ HK$150 in 12 months	12 months	HK$10,000 – HK$499,999	Board rate HKD board rates; preferential new-fund rates are published separately	Go to bank

Different amount, priority tiers or fresh-funds filter? Open the full comparison.

Deposit protection: Deposit Protection Scheme (DPS)

LimitHK$800,000

If a Scheme member bank fails and your deposits are eligible for protection, the DPS automatically compensates you up to the protection limit of HK$800,000 per depositor per Scheme member. Source, checked 2026-10-18.

We're a comparison service, not a bank: we don't take deposits. Rates change without notice; verify with the bank before you deposit. Not financial advice.