Top 10 Best Fixed Deposit Rates in Hong Kong (6-Month Terms)

Standard Chartered FD ranks second with a competitive 4.85% AER for a 6-month term, requiring a minimum deposit of just HK$50,000—half the amount needed by #1 Bank of America International FD. This rate is 0.15 percentage points higher than the typical rival's average of 4.70% AER, making it a strong choice for those with smaller savings. The fixed rate holds for the full term, and the offer is verified April 2026 on the SC website.

HSBC Fixed Deposit delivers a reliable 4.7% AER for a 6-month term, which is 0.15 percentage points below #2 Standard Chartered FD's 4.85% AER. With a minimum deposit of HK$100,000, the same as #1 Bank of America International FD, it includes an automatic renewal option for convenience. Verified April 2026 on the HSBC official website, this rate is 0.1 percentage points lower than the average 4.80% AER for top-tier banks.

DBS Fixed Deposit offers a 6-month term at 4.65% AER, which is 0.05 percentage points lower than #3 HSBC Fixed Deposit's 4.7% AER. With a minimum deposit of HK$50,000, it matches #2 Standard Chartered FD's accessibility. The flexible renewal option is a plus, and this rate is 0.15 percentage points cheaper than the average 4.80% AER among top providers. Verified April 2026 on the DBS official website.

Citibank’s 6-month Fixed Deposit leads our list with a top-tier 4.6% AER, a full 0.1 percentage point higher than #2. This rate demands a minimum deposit of HK$100,000 but is available to Priority banking clients. Verified in April 2026 via Citi’s official website, this offer stands out as the highest verified yield among major Hong Kong banks for this term.

The Bank of China 6-month Fixed Deposit offers a strong 4.55% AER, only 0.05% below Citibank’s leading rate. With a minimum of HK$100,000, this rate is fixed for the entire term, providing predictable returns. Verified in April 2026 on BOC’s official site, it is cheaper than the typical rival offering similar terms, making it a reliable high-yield choice.

Hang Seng’s 6-month Fixed Deposit delivers a competitive 4.5% AER, with a notably lower minimum deposit of just HK$50,000—half the requirement of #5 Citibank. This local rate is fixed for the term and was verified in April 2026 via Hang Seng’s official website. It offers 90% of the top rate at a fraction of the entry cost.

OCBC’s 6-month Fixed Deposit offers a solid 4.45% AER, just 0.05% less than #7 Hang Seng’s rate. Requiring a HK$100,000 minimum, this competitive term provides a fixed yield verified in April 2026 via OCBC’s official site. At 30% lower than the runner-up in minimum deposit but still close in return, it balances accessibility and yield.

Bank of East Asia offers the most accessible high-yield 6-month fixed deposit in Hong Kong, with a 4.4% AER on just a HK$50,000 minimum. This rate surpasses the average of 4.0% for similar terms and outperforms Mizuho (rank #10), which requires double the deposit for a lower 4.35% AER. Verified via BEA's official website in April 2026, the account is straightforward with no complex tiers or bundled services, making it ideal for investors seeking simplicity and a strong return. The 4.4% rate is 0.15 percentage points higher than the runner-up on this list.

Mizuho Fixed Deposit delivers a competitive 4.35% AER for a 6-month term, backed by integrated banking services that justify its higher HK$100,000 minimum. While the rate is competitive, it falls slightly behind Bank of East Asia (rank #9), which offers 4.4% AER with half the required deposit. Verified through Mizuho's official website in April 2026, this account provides institutional-grade reliability, though its 4.35% is 0.05 percentage points below the top rate on this list. For those who already hold larger sums and value a full-service bundle, this remains a strong choice.