Mox Bank — 2.50% p.a. (6-Month HKD)

Mox Bank matches OCBC at 2.50% p.a. for 6-month HKD time deposits as of May 2026, but with zero minimum deposit and no early withdrawal fees – a combination no other bank on this list offers. Backed by Standard Chartered, PCCW, HKT, and Trip.com, Mox provides institutional-grade security with fully digital 24/7 placement via app. Deposits are covered under the DPS up to HK$800,000 per depositor. Mox also offers 12-month HKD deposits at 2.65% p.a. as of May 2026, significantly higher than the average 12-month rate. A top pick for digital-first professionals.