#5
Bank of China Savings
Bank of China Savings tops the list with a robust 2.2% AER on deposits of HK$50,000 or more, with monthly interest crediting. This rate outperforms OCBC 365 Account by 0.1 percentage points and stands 0.3% higher than the average Hong Kong term deposit rate. Verified via BOC official website in April 2026, it offers a reliable, competitive option for savers.
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