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

There is **no minimum deposit**: you can place a time deposit for as little as HK$1. Account opening is fully app-based and takes under 5 minutes with no branch visits. Fusion is HKMA-licensed and supports HKD, CNY, and USD deposits across multiple tenors. Deposits are fully protected under the DPS up to **HK$800,000 per depositor** (enhanced limit effective October 2024). The Tencent integration provides seamless cross-border payment capabilities for HK-Mainland savers. Interest is paid at maturity. Ideal for retail investors seeking strong returns with zero lock-up minimums and a trusted backing from a global tech leader.