Livi Bank — 2.30% p.a. (6-Month HKD)

**Livi Bank** delivers a solid 6-month HKD time deposit rate of **2.30% p.a.** for deposits of **HK$50,000 and above** as of May 2026, outperforming the industry average of **2.10%** for virtual banks. Backed by BOC Hong Kong, JD.com, and Jardine Matheson, Livi is one of eight HKMA-licensed virtual banks and offers seamless cross-account transfers for BOCHK customers. Its tiered pricing structure means higher deposits unlock progressively better rates, providing an edge over fixed-rate offerings like Bank of East Asia (#9). Deposits are fully covered by the DPS up to **HK$800,000 per depositor**. Livi has expanded its wealth management features in 2026, and the app supports both English and Chinese. Interest is paid at maturity, making this a straightforward, data-driven option for mid-tier savers.