Syfe Cash+ Fixed — 2.40% p.a. (6-Month HKD)

Syfe Cash+ Fixed offers 2.40% p.a. for a 6-month HKD fixed-yield product with zero minimum investment as of May 2026, matching Nanyang Commercial Bank's standard rate. Unlike bank deposits, this SFC-licensed fintech product is not covered by the Hong Kong Deposit Protection Scheme, but client assets are held separately from Syfe's corporate accounts. Funds can be redeemed within 1-2 business days with zero management fees. Other tenors include 1-month (1.90%), 3-month (2.05%), and 12-month (2.60%). Digital onboarding takes under 10 minutes. Suited for investors comfortable with a non-bank structure who prioritize yield and flexibility over DPS coverage.