HSBC Fixed Deposit

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.