此页面由英文机器翻译。利率、银行和数据与英文页面相同。

国家 / 🇭🇰 Hong Kong

在 Hong Kong 的最佳 time deposit 利率

来自 6 家供应商的 HKD time deposit 利率，每日直接从各银行网站读取，另有 4 家供应商待检查。按利率排序；无付费排名。

上次检查 18 Oct 2026, 05:37 UTC · 全部 10 家供应商 · savings account

最佳 3 个月利率

2.65% 年利率

Mox Bank

促销 · 新资金

最佳 6 个月利率

3.00% 年利率

EleBank (formerly Airstar Bank)

基准利率

最佳 12 个月利率

3.45% 年利率

EleBank (formerly Airstar Bank)

基准利率

针对 HK$100,000 存款的最佳利率，向所有客户开放。促销可能提前结束，请向银行确认。

比较 time deposit 利率

期限
利率类型
选项

5 家银行提供 HK$100,000 的12个月利率

银行年利率期限存款详情链接
EleBank (formerly Airstar Bank)HKD Time Deposit3.45%≈ HK$3,450 (12 个月)12 个月未说明基准利率
Personal accounts; Rates are for reference only; the EleBank Mobile App shows the latest rates
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Standard Chartered Hong KongOnline New Fund HKD Time Deposit3.30%≈ HK$3,300 (12 个月)12 个月HK$10,000 +促销新资金
通过 Online; New funds of HKD10,000 or above; Set up via SC Mobile App or Online Banking; Offer until 31 October 2026
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Mox BankHKD New Funds Time Deposit3.20%≈ HK$3,200 (12 个月)12 个月未说明促销新资金
通过 App; New funds only; Interest credited upfront; Minimum deposit not stated on the page
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Bank of China (Hong Kong)HKD Fixed Deposit (board rate)0.15%≈ HK$150 (12 个月)12 个月HK$100,000 – HK$499,999基准利率
HKD board rates
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Hang Seng BankHKD Time Deposit (board rate)0.15%≈ HK$150 (12 个月)12 个月HK$10,000 – HK$499,999基准利率
HKD board rates; preferential new-fund rates are published separately
前往银行

"Fresh funds" 指的是从其他银行转入的资金。Board rates 是基准利率；promos 是限时优惠。 我们如何收集并核查利率.

此列表如何排序？

按利率排序，最高的排在前面，针对您选择的金额和期限。若银行公布了其综合有效利率，我们将使用该利率。每家银行只出现一次，展示其最匹配的报价，除非您勾选 "Show every rate"。银行不能付费改变排序。

规划您的存款

Best rate by term

1 months: 0.10% at Bank of China (Hong Kong)0.10%1 个月2 months: 1.75% at EleBank (formerly Airstar Bank)1.75%2 个月3 months: 2.65% at Mox Bank2.65%3 个月4 months: 2.80% at EleBank (formerly Airstar Bank)2.80%4 个月6 months: 3.00% at EleBank (formerly Airstar Bank)3.00%6 个月9 months: 3.20% at EleBank (formerly Airstar Bank)3.20%9 个月12 months: 3.45% at EleBank (formerly Airstar Bank)3.45%12 个月18 months: 0.15% at Bank of China (Hong Kong)0.15%18 个月24 months: 3.20% at Mox Bank3.20%24 个月36 months: 0.15% at Bank of China (Hong Kong)0.15%36 个月

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

利率上升时发送邮件给我

双重确认：先通过邮件确认。当您的期限和金额的最佳利率上升时发送一封邮件。点击一次即可退订。

官方基准

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

来源：apidocs.hkma.gov.hk。仅作参考，不构成推荐。

存款保障：Deposit Protection Scheme (DPS)

限额HK$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. 来源, 已检查 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.

更多 time deposit 提供商在 Hong Kong

我们列出这些提供商，但尚未自动读取它们的利率，因此我们从不显示具体数字。请在银行官网查看利率。 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: 未说明), 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: 未说明), 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

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缺少银行？请推荐

我们是比较服务平台，而非银行：我们不接受存款。利率可能随时变动；请在存款前向银行确认。此信息不构成理财建议。