WeLab Bank GoSave 2.0 — 2.65% p.a. (6-Month HKD)

**WeLab Bank GoSave 2.0** tops the May 2026 rankings with the highest available 6-month HKD time deposit rate at **2.65% p.a.**, accessible from as little as HK$10 — the lowest entry point of any product on this list. WeLab is Hong Kong's only home-grown virtual bank (est. 2020), HKMA-licensed and regulated to the same standard as traditional banks. The GoSave 2.0 product unlocks the 2.65% standard 6-month rate via the WeLab Bank app as of May 2026, with interest paid at maturity. Deposits are protected by the Hong Kong Deposit Protection Scheme (DPS) up to **HK$800,000 per depositor**. The app supports 24/7 placement and renewal with no branch visit required. WeLab has run periodic flash promotions at 5–8% p.a. for limited windows; the 2.65% reflects the current standard promotional rate. Also available: 3-month (2.10%) and 12-month (2.75%) tenors. This product outperforms #2 by offering the same rate with a minimum deposit 50,000 times smaller.