Hang Seng Fixed Deposit

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.