Bank of East Asia — 2.40% p.a. (6-Month HKD)

**Bank of East Asia (BEA)** provides one of the most accessible 6-month HKD time deposit rates among traditional banks, offering **2.40% p.a.** with a minimum deposit of just **HK$10,000** — a barrier 80% lower than the typical HK$50,000 required by peers like Livi Bank (#10). Founded in 1918 and operating over 60 branches across Hong Kong, BEA matches this competitive rate with full DPS coverage up to **HK$800,000** per depositor. The 2.40% rate marks a 0.10 percentage point increase from BEA's 2.30% rate in early 2026. Online and mobile banking enable 24/7 deposit placement, and the bank also supports time deposits in USD, RMB, EUR, AUD, and other major currencies. This combination of a low entry barrier, above-average yield, and institutional stability makes BEA a strong choice for savers seeking flexibility without sacrificing returns.