Bank of America International FD

Bank of America International FD offers the top 6-month fixed deposit rate in Hong Kong at 5.1% AER. This rate is more than 5% higher than the average 4.80% AER for similar terms in the market. With a minimum deposit of HK$100,000 and no early withdrawal penalty, it provides flexibility that outperforms #2 Standard Chartered FD's 4.85% AER. Verified April 2026 on the BOA website, this is the best deal for savers seeking maximum returns on a 6-month term.