OCBC Hong Kong — 2.50% p.a. (6-Month HKD, New Funds)

OCBC Hong Kong ties with Mox Bank at 2.50% p.a. for 6-month HKD time deposits as of May 2026, but requires new funds and a minimum fresh placement of HK$200,000. This rate outperforms the Big Three (HSBC, Hang Seng, Standard Chartered) by up to 0.40 percentage points. OCBC is a Singapore-headquartered bank with strong HK market presence and HKMA authorization, offering online placement via app and internet banking. Deposits are protected under the DPS up to HK$800,000 per depositor, and interest is paid at maturity. Ideal for customers seeking large-bank safety with competitive rates.