Bank of East Asia FD

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.