Time Deposit Comparison 2026│Bank 3-Month/6-Month HKD Time Deposit Annual Interest Rate Up to 3.8%!

【Short-term Fixed Deposits / High-Interest Time Deposits / Interest Rate Comparison】Global stock markets are volatile, and risk aversion is rising. Many people are starting to allocate funds to principal-protected and stable time deposits, with short-term fixed deposits being particularly popular due to their greater flexibility. Currently, major banks are offering medium to short-term fixed deposits. How can one choose to enjoy more high-interest offers? This article consolidates the annual interest rates for 3-month and 6-month Hong Kong dollar fixed deposits from over 20 banks in Hong Kong, making it easier for readers to find the most suitable fixed deposit plan for themselves. Note: The data in this article is updated as of March 16, 2026. Some banks offer different annual interest rates based on the deposit amount, and the annual interest rates in the table correspond to the listed "minimum deposit amount." Comparison of Hong Kong Dollar Deposit Rates by Bank (3/6 Months) Bank 3 Months 6 Months Minimum Deposit Amount Fubon Bank 0.27% 0.27% HKD 10,000 ICBC (Asia) 2.25% (98 days) 2.25% (188 days) HKD 50,000 ICBC (Asia) e-account opening special offer 3.8% / HKD 1,000 HSBC 2.2% 2% HKD 10,000 Bank of China 2.1% 1.9% HKD 10,000 Hang Seng Bank 2.2% 1.9% HKD 10,000 Standard Chartered Bank 2.1% 1.95% HKD 10,000 Nanyang Commercial Bank 2.1% 2.2% HKD 100,000 Shanghai Commercial Bank 2.18% 2.18% HKD 1,000 Comparison of Hong Kong Dollar Deposit Rates by Bank (3/6 Months) Bank 3 Months 6 Months Minimum Deposit Amount DBS Bank 2.05% 1.90% HKD 50,000 Bank of East Asia 2% 2.1% HKD 10,000 Bank of Communications 1.95% 2.15% HKD 20,000 Public Bank 2.00% 2.00% Within HKD 100,000 China Merchants Bank 1.85% 2.05% HKD 10,000 China Construction Bank 2.10% / HKD 1,000,000 Chong Hing Bank 2.05% 1.5% HKD 5,000 Comparison of Virtual Bank Hong Kong Dollar Deposit Rates (3/6 Months) Bank 3 Months 6 Months Minimum Deposit Amount PAObank 2.65% 2.75% HKD 100 Tianxing Bank 1.95% 2.30% HKD 1,000 WeLab Bank 2.25% 2.40% HKD 10 Fubon Bank 2.25% 2.35% Mox Bank 2.1% 2.2% HKD 1 Ant Bank 1.8% 2.2% HKD 1 Livi Bank 1.1% 1.3% 500 HKD ZA Bank 0.51% 1.61% 1 HKD