Time Deposit & Savings Deposit Interest Rates

I am looking for the savings and time deposit interest rates of

Savings deposit interest rates ¹

As at 27/03/2025 16:22 HKT

Account balance	Deposit interest rate
HKD 150,000 or above	0.2500%
HKD 10,000 to HKD 149,999	0.2500%
HKD 5,000 to HKD 9,999	0.2500%
HKD 1,000 to HKD 4,999	0.0000%
Below HKD 1,000	0.0000%

Time deposit interest rate calculator

Use the time deposit interest rate calculator by entering the time deposit amount and deposit tenor. Get time deposit rates and the deposit interest amount at maturity instantly.

HKD Time deposit interest rate calculator

Deposit tenor

Deposit amount

Result

As at HKT

Deposit Interest Rate

% p.a.

Interest at Maturity

HKD

Principal and Interest at Maturity

HKD

HKD Time deposit interest rates

Deposit amount

Board rate^{Footnote remark 2}

As at 27/03/2025 16:22 HKT

Tenor	HKD 10,000 to HKD 99,999	HKD 100,000 to HKD 499,999	HKD 500,000 to HKD 999,999	HKD 1,000,000 or above
1 Week	0.2500%	0.2500%	0.2500%	0.2500%
2 Weeks	0.2500%	0.2500%	0.2500%	0.2500%
1 Month	0.2500%	0.2500%	0.2500%	0.2500%
2 Months	0.2500%	0.2500%	0.2500%	0.2500%
3 Months	0.2750%	0.2750%	0.2750%	0.2750%
6 Months	0.2750%	0.2750%	0.2750%	0.2750%
9 Months	0.3000%	0.3000%	0.3000%	0.3000%
12 Months	0.3000%	0.3000%	0.3000%	0.3000%
1.5 Years	0.3000%	0.3000%	0.3000%	0.3000%
2 Years	0.3000%	0.3000%	0.3000%	0.3000%
3 Years	0.3000%	0.3000%	0.3000%	0.3000%
4 Years	0.3000%	0.3000%	0.3000%	0.3000%
5 Years	0.3000%	0.3000%	0.3000%	0.3000%

Tenor	Interest rate
1 Week	0.2500%
2 Weeks	0.2500%
1 Month	0.2500%
2 Months	0.2500%
3 Months	0.2750%
6 Months	0.2750%
9 Months	0.3000%
12 Months	0.3000%
1.5 Years	0.3000%
2 Years	0.3000%
3 Years	0.3000%
4 Years	0.3000%
5 Years	0.3000%

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Other points to note

The above information is for reference only.
Interest is calculated on the following year basis:
1. Hong Kong Dollar - 365 days (ordinary year) or 366 days (leap year),
2. Pound Sterling, Thailand Baht and South Africa Rand - 365 days,
3. Other currencies - 360 days.

Remarks

Saving interest is paid on:
1. Hong Kong Dollar Savings of Integrated Account - compound basis and monthly,
2. Hong Kong ATM Statement Savings - simple basis and monthly,
3. Others - simple basis and semi-annually.
4. Hong Kong Dollar Saving bonus interest rate: Hong Kong Dollar Savings of Integrated Accounts with Total Relationship Balance of HKD1,000,000 or above will be entitled to a bonus rate of 0.001% p.a.
5. Renminbi Saving bonus interest rate: Reminbi Savings of Integrated accounts with Total Relationship Balance of HKD1,000,000 or above will be entitled to a bonus rate of 0.05% p.a.
Board Rate: Deposit rates displayed at branch

Risk disclosure(s)

RMB Currency risk Renminbi ("RMB") is subject to exchange rate risk. Fluctuation in the exchange rate of RMB may result in losses in the event that the customer subsequently converts RMB into another currency (including Hong Kong Dollars). Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. RMB is currently not freely convertible and conversion of RMB may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.
Foreign Currency Risk Foreign Exchange involves Exchange Rate Risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts the deposits from foreign currency to another currency, and/or in the event that the customer converts a foreign currency time deposit to another currency (including Hong Kong Dollar) upon maturity.

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