Mizuho Fixed Deposit

Mizuho Fixed Deposit delivers a competitive 4.35% AER for a 6-month term, backed by integrated banking services that justify its higher HK$100,000 minimum. While the rate is competitive, it falls slightly behind Bank of East Asia (rank #9), which offers 4.4% AER with half the required deposit. Verified through Mizuho's official website in April 2026, this account provides institutional-grade reliability, though its 4.35% is 0.05 percentage points below the top rate on this list. For those who already hold larger sums and value a full-service bundle, this remains a strong choice.