#6
Bank of China FD
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.
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