Standard Chartered FD

Standard Chartered FD ranks second with a competitive 4.85% AER for a 6-month term, requiring a minimum deposit of just HK$50,000—half the amount needed by #1 Bank of America International FD. This rate is 0.15 percentage points higher than the typical rival's average of 4.70% AER, making it a strong choice for those with smaller savings. The fixed rate holds for the full term, and the offer is verified April 2026 on the SC website.