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

**Bank of East Asia (BEA)** offers a 6-month HKD time deposit at **2.40% p.a.** with a minimum deposit of **HK$10,000**, which is low for a traditional Hong Kong bank. Founded in 1918 and operating over 60 branches across Hong Kong, BEA carries Deposit Protection Scheme coverage up to **HK$800,000** per depositor. 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.