AirStar Bank — 2.60% p.a. (6-Month HKD)

There is **no minimum deposit**. AirStar is one of Hong Kong's eight HKMA-licensed virtual banks and focuses on cross-border connectivity, particularly attractive for users with Mainland China financial ties. Account opening is fully digital. Deposits are covered by the DPS up to **HK$800,000 per depositor**. AirStar's 12-month rate leads at 2.70% p.a. in May 2026. The app is rated among the most user-friendly in HK's virtual banking space. Best suited for tech-forward savers who want competitive yields, no minimums, and strong cross-border banking utility.