Fubon Bank — 2.65% p.a. (6-Month HKD)

**Fubon Bank Hong Kong**, the retail banking arm of Taiwan's Fubon Financial Holding, offers one of the highest 6-month HKD fixed deposit rates among traditional licensed banks at **2.65% p.a.** as of May 2026. Minimum deposit is **HK$500,000**, making this product targeted at high-net-worth individuals and corporate treasurers. Fubon also offers USD 6-month deposits at 3.65% (minimum USD 65,000). In addition to HKD, deposits are accepted in RMB, USD, GBP, CAD, AUD, NZD, and EUR. Deposits are protected under the DPS up to **HK$800,000 per depositor**. For large depositors who prefer the regulatory framework of a traditional licensed bank, Fubon delivers the best 6-month HKD rate in its category as of May 2026. While WeLab Bank matches this rate with a far lower minimum, Fubon provides proven branch infrastructure and multi-currency flexibility that virtual banks lack, ensuring stability for larger sums.