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Negara / 🇭🇰 Hong Kong

Suku bunga time deposit terbaik di Hong Kong

Suku bunga HKD time deposit dari 6 penyedia, dibaca langsung dari situs web masing‑masing bank setiap hari, plus 4 penyedia lagi untuk dicek. Diurutkan berdasarkan suku bunga; tidak ada peringkat berbayar.

Terakhir diperiksa 18 Oct 2026, 05:37 UTC · semua 10 penyedia · savings account

Suku bunga 3-bulan terbaik

2.65% p.a.

Mox Bank

Promo · dana segar

Suku bunga 6-bulan terbaik

3.00% p.a.

EleBank (formerly Airstar Bank)

Suku bunga papan

Suku bunga 12-bulan terbaik

3.45% p.a.

EleBank (formerly Airstar Bank)

Suku bunga papan

Suku bunga terbaik untuk deposito HK$100,000, terbuka untuk semua nasabah. Promosi dapat berakhir lebih awal; konfirmasi dengan bank.

Bandingkan suku bunga time deposit

Jangka waktu
Jenis suku bunga
Opsi

5 bank dengan suku bunga 12 bulan untuk HK$100,000

BankSuku bunga p.a.Jangka waktuSetoranDetailTautan
EleBank (formerly Airstar Bank)HKD Time Deposit3.45%≈ HK$3,450 in 12 months12 bulanTidak disebutkanSuku bunga papan
Personal accounts; Rates are for reference only; the EleBank Mobile App shows the latest rates
Ke bank
Standard Chartered Hong KongOnline New Fund HKD Time Deposit3.30%≈ HK$3,300 in 12 months12 bulanHK$10,000 +PromoDana baru
Melalui Online; New funds of HKD10,000 or above; Set up via SC Mobile App or Online Banking; Offer until 31 October 2026
Ke bank
Mox BankHKD New Funds Time Deposit3.20%≈ HK$3,200 in 12 months12 bulanTidak disebutkanPromoDana baru
Melalui App; New funds only; Interest credited upfront; Minimum deposit not stated on the page
Ke bank
Bank of China (Hong Kong)HKD Fixed Deposit (board rate)0.15%≈ HK$150 in 12 months12 bulanHK$100,000 – HK$499,999Suku bunga papan
HKD board rates
Ke bank
Hang Seng BankHKD Time Deposit (board rate)0.15%≈ HK$150 in 12 months12 bulanHK$10,000 – HK$499,999Suku bunga papan
HKD board rates; preferential new-fund rates are published separately
Ke bank

"Fresh funds" berarti uang yang dipindahkan dari bank lain. Suku bunga papan adalah suku tetap; promo bersifat terbatas waktu. Cara kami mengumpulkan dan memeriksa suku bunga.

How is this list ordered?

By rate, highest first, for the amount and term you chose. Where a bank publishes its own blended effective rate we use that. Each bank appears once with its best matching offer unless you tick "Show every rate". Banks cannot pay to change the order.

Plan your deposit

Best rate by term

1 months: 0.10% at Bank of China (Hong Kong)0.10%1-bulan2 months: 1.75% at EleBank (formerly Airstar Bank)1.75%2-bulan3 months: 2.65% at Mox Bank2.65%3-bulan4 months: 2.80% at EleBank (formerly Airstar Bank)2.80%4-bulan6 months: 3.00% at EleBank (formerly Airstar Bank)3.00%6-bulan9 months: 3.20% at EleBank (formerly Airstar Bank)3.20%9-bulan12 months: 3.45% at EleBank (formerly Airstar Bank)3.45%12-bulan18 months: 0.15% at Bank of China (Hong Kong)0.15%18-bulan24 months: 3.20% at Mox Bank3.20%24-bulan36 months: 0.15% at Bank of China (Hong Kong)0.15%36-bulan

Best rate open to any customer for HK$100,000 at each term, from today's verified offers. Hover a point for the bank.

Dapatkan email saat suku bunga naik

Double opt-in: konfirmasi lewat email terlebih dahulu. Satu email ketika suku bunga terbaik untuk jangka waktu dan jumlah Anda naik. Berhenti berlangganan dengan satu klik.

Tolok ukur resmi

HKMA Base Rate (discount window) 2026-10-164.25%
HIBOR 1-month fixing 2026-10-162.7078%

Sumber: apidocs.hkma.gov.hk. Ditampilkan sebagai titik referensi, bukan rekomendasi.

Perlindungan deposit: Deposit Protection Scheme (DPS)

BatasHK$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. Sumber, diperiksa 2026-10-18.

Where does your money earn most in Hong Kong?

Best 12-month time deposit (EleBank (formerly Airstar Bank))3.45%
Best savings account (EleBank (formerly Airstar Bank))0.50%
HKMA Base Rate (discount window)4.25%

Best 12-month deposit and best savings rate open to any customer, next to the official benchmark. Savings rates are variable and often conditional.

Lebih banyak penyedia time deposit di Hong Kong

Kami mencantumkan penyedia ini tetapi belum membaca suku bunga mereka secara otomatis, jadi kami tidak pernah menampilkan angka untuk mereka. Periksa suku bunga di halaman bank masing‑masing. Know a bank we should read? Suggest it.

Questions about deposits in Hong Kong

What is the best 12-month time deposit rate in Hong Kong today?

3.45% p.a. at EleBank (formerly Airstar Bank) (minimum deposit: Tidak disebutkan), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

What is the best 6-month time deposit rate in Hong Kong today?

3.00% p.a. at EleBank (formerly Airstar Bank) (minimum deposit: Tidak disebutkan), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

Are time deposits in Hong Kong protected?

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.

How many banks do you compare in Hong Kong?

We list 10 providers. Rates for 6 of them are read automatically from their own websites every day; for the rest we link to the bank's official rate page and never show a number we have not read.

How do time deposit rates compare with the HKMA Base Rate (discount window)?

The HKMA Base Rate (discount window) is 4.25% (2026-10-16). The best 12-month time deposit rate open to any customer today is 3.45%.

Deposit rates in nearby countries

🇮🇳 India🇨🇳 China🇮🇩 Indonesia🇵🇰 Pakistan🇧🇩 Bangladesh🇯🇵 Japan🇵🇭 Philippines🇻🇳 Vietnam

Add this rate table to your website

Copy this code into your page. The table updates daily and links back to each bank's page here.

Missing a bank? Suggest one

Kami adalah layanan perbandingan, bukan bank: kami tidak menerima setoran. Suku bunga dapat berubah tanpa pemberitahuan; verifikasi dengan bank sebelum Anda menyetorkan dana. Bukan nasihat keuangan.