#8
OCBC Fixed Deposit
OCBC’s 6-month Fixed Deposit offers a solid 4.45% AER, just 0.05% less than Hang Seng’s rate. Requiring a HK$100,000 minimum, this competitive term provides a fixed yield verified in April 2026 via OCBC’s official site. At 30% lower than the runner-up in minimum deposit but still close in return, it balances accessibility and yield.
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