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            "Offer until 31 October 2026"
          ],
          "currency": "HKD",
          "fresh_funds": true,
          "kind": "promo",
          "min_deposit": 10000,
          "product": "Online New Fund HKD Time Deposit",
          "rate": 3.3,
          "segment": "personal",
          "source_url": "https://www.sc.com/hk/deposits/online-time-deposit/",
          "tenure_months": 12
        }
      ],
      "status": "ok",
      "verified_at": "2026-10-18T05:37:59.571528800Z"
    }
  ],
  "benchmarks": [
    {
      "country": "hk",
      "date": "2026-10-16",
      "label": "HKMA Base Rate (discount window)",
      "page": "https://apidocs.hkma.gov.hk/documentation/market-data-and-statistics/daily-monetary-statistics/daily-figures-interbank-liquidity/",
      "status": "ok",
      "value": 4.25,
      "verified_at": "2026-10-18T06:33:58.831484453Z"
    },
    {
      "country": "hk",
      "date": "2026-10-16",
      "label": "HIBOR 1-month fixing",
      "page": "https://apidocs.hkma.gov.hk/documentation/market-data-and-statistics/daily-monetary-statistics/daily-figures-interbank-liquidity/",
      "status": "ok",
      "value": 2.7078,
      "verified_at": "2026-10-18T06:33:59.723065532Z"
    }
  ],
  "country": "hk",
  "currency": "HKD",
  "deposit_insurance": {
    "checked": "2026-10-18",
    "limit": 800000,
    "scheme": "Deposit Protection Scheme (DPS)",
    "source": "https://www.dps.org.hk/en/for-depositors/features-of-dps/",
    "summary": "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."
  },
  "generated_at": "2026-10-18T05:37:59.571528800Z",
  "name": "Hong Kong",
  "terms": "Free to use with attribution: link to https://getdeposited.com. Rates are as published by each bank at the time shown; verify with the bank."
}