Nanyang Commercial Bank — 2.40% p.a. (6-Month HKD)

Nanyang Commercial Bank offers 2.40% p.a. for 6-month HKD time deposits as of May 2026, which is 0.10 percentage points lower than OCBC and Mox Bank. However, NCB raises the rate to 2.60% p.a. for deposits of HK$1 million or more, outperforming its own standard offer and many rivals. Minimum deposit for the preferential rate is HK$100,000. NCB is an HKMA-licensed traditional bank backed by Chinese state capital, with over 50 branches across Hong Kong, appealing to risk-averse investors. Deposits are protected under the DPS up to HK$800,000 per depositor, and seamless RMB services are available.