Countries / 🇭🇰 Hong Kong

Best time deposit rates in Hong Kong

HKD time deposit rates from 6 providers, read directly from each bank's website every day, plus 4 more providers to check. Sorted by rate; no paid rankings.

Last checked 18 Oct 2026, 03:42 UTC · all 10 providers

Best 3-month rate

2.65% p.a.

Mox Bank

Promo · fresh funds

Best 6-month rate

3.00% p.a.

EleBank (formerly Airstar Bank)

Board rate

Best 12-month rate

3.45% p.a.

EleBank (formerly Airstar Bank)

Board rate

Best rate for a HK$100,000 deposit, open to any customer. Promotions can end early; confirm with the bank.

Compare time deposit rates

Tenure
Rate type
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4 banks with a 12-month rate for HK$100,000

BankRate p.a.TenureDepositDetailsLink
EleBank (formerly Airstar Bank)HKD Time Deposit3.45%≈ HK$3,450 in 12 months12 monthsNot statedBoard 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 Deposit3.30%≈ HK$3,300 in 12 months12 monthsHK$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 Deposit3.20%≈ HK$3,200 in 12 months12 monthsNot statedPromoFresh funds
Via App; New funds only; Interest credited upfront; Minimum deposit not stated on the page
Go to bank
Hang Seng BankHKD Time Deposit (board rate)0.15%≈ HK$150 in 12 months12 monthsHK$10,000 +Board rate
HKD board rates; preferential new-fund rates are published separately
Go to bank

"Fresh funds" means money brought in from another bank. Board rates are standing rates; promos are time-limited. How we collect and check rates.

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 EleBank (formerly Airstar Bank)0.10%1-month2 months: 1.75% at EleBank (formerly Airstar Bank)1.75%2-month3 months: 2.65% at Mox Bank2.65%3-month4 months: 2.80% at EleBank (formerly Airstar Bank)2.80%4-month6 months: 3.00% at EleBank (formerly Airstar Bank)3.00%6-month9 months: 3.20% at EleBank (formerly Airstar Bank)3.20%9-month12 months: 3.45% at EleBank (formerly Airstar Bank)3.45%12-month24 months: 3.20% at Mox Bank3.20%24-month36 months: 0.15% at Hang Seng Bank0.15%36-month

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

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Official benchmarks

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

Source: apidocs.hkma.gov.hk. Shown as a reference point, not a recommendation.

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.

Where does your money earn most in Hong Kong?

Best 12-month time deposit (EleBank (formerly Airstar Bank))3.45%
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.

More time deposit providers in Hong Kong

We list these providers but do not read their rates automatically yet, so we never show a number for them. Check the rate on the bank's own page. 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: Not stated), read from the bank's website at 18 Oct 2026, 03:42 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: Not stated), read from the bank's website at 18 Oct 2026, 03:42 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

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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.