DBS Multiplier

DBS Multiplier tops our list with a standout 3.5% AER on deposits of HK$100,000, provided you meet the salary credit and spending conditions. If those conditions lapse, the rate drops to just 0.5% base. This conditional return outperforms HSBC Advance Account by a full 1.0 percentage point, making it the most rewarding option for those who can maintain the criteria. Verified April 2026.