Top 10 Best HKD Time Deposit Rates in Hong Kong June 2026

Mox Bank, backed by Standard Chartered and a consortium including PCCW, HKT, and Trip.com, offers competitive HKD time deposit rates exclusively through its mobile app. One- to twelve-month tenors are available, with three- and six-month options frequently carrying promotional boosts above base rates. New depositors can open an account and place a time deposit within a single app session, with no physical documentation required. The HKD 10,000 minimum is accessible for most retail savers. Mox complements its deposit product with a round-up savings feature and a linked Mastercard, making it suitable for savers who want a comprehensive digital banking ecosystem alongside competitive deposit income.

HKD Time Deposit - Mox Bank

WeLab Bank is an HKMA-licensed virtual bank operated by WeLab Group, a Hong Kong-headquartered fintech active across Asia. Its HKD time deposit product spans one to twelve months, with rates that consistently outperform major traditional banks across equivalent tenors. All placements are managed within the WeLab Bank app, with a HKD 10,000 minimum and no new funds condition required for standard tenors. The bank periodically runs limited-time rate promotions for specific tenors which can temporarily lift yields above the standard schedule. Suited to retail savers comfortable with digital-only banking, particularly those already holding a WeLab account seeking to deploy idle HKD balances at competitive returns.

HKD Time Deposit - WeLab Bank

Fusion Bank holds a full virtual bank licence from the HKMA and is backed by ICBC Asia, Tencent, and a consortium of established Hong Kong corporates. Its HKD time deposit product covers one- to twelve-month tenors, managed entirely within the Fusion app. Three- and six-month tenors carry the highest headline promotional rates. Fusion periodically issues flash rate promotions lasting 24 to 72 hours, which can push yields above standard rates. The minimum deposit is HKD 10,000. Best suited to savers comfortable with digital-only banking who are willing to monitor the app actively for limited-time rate events to maximise returns on idle HKD balances.

HKD Time Deposit - Fusion Bank

DBS Hong Kong, the local arm of Singapore's largest bank by assets, offers one of the most competitive HKD time deposit products among full-service traditional banks. DBS regularly runs promotional rates for three- and six-month tenors targeting customers depositing net new funds into the bank. Placements can be made through the DBS digibank HK app or online banking portal. The HKD 50,000 minimum applies for most promotional tiers. DBS integrates time deposit laddering into its broader digiPortfolio wealth management service, making it attractive to customers seeking deposit income alongside equity and bond exposure within a single institutional relationship in Hong Kong.

HKD Time Deposit - DBS Hong Kong

Bank of China (Hong Kong) is one of Hong Kong's three note-issuing banks and holds one of the largest retail deposit franchises in the territory. Its HKD time deposit product is notable for offering tenors starting from seven days, providing greater liquidity flexibility than most competitors. BOCHK periodically issues preferential rates for online and mobile placements through its BO Mobile app or BO eBank internet portal, consistently above branch counter rates. The standard minimum is HKD 50,000. State-owned parentage from Bank of China Group provides strong implied credit quality. Best suited to conservative savers who prioritise institutional solidity and value access to an extensive Hong Kong branch network.

HKD Time Deposit - Bank of China Hong Kong (BOCHK)

Standard Chartered Hong Kong provides HKD time deposits across all major tenors from one to twelve months, with promotional rates available exclusively through the SC Mobile app. New-to-bank customers and those bringing verified net new funds typically qualify for a preferential rate above the standard posted rate. The minimum deposit is HKD 50,000 for promotional tiers, with standard placements available from HKD 10,000 at non-promotional rates. Priority Banking clients access enhanced rates through a tiered relationship schedule. Standard Chartered's HKMA regulation, global network, and SC Mobile investment platform make it a credible option for internationally mobile professionals consolidating banking and deposit relationships within a single institution in Hong Kong.

HKD Time Deposit - Standard Chartered Hong Kong

Citibank Hong Kong offers HKD time deposits across one-, three-, six-, and twelve-month tenors, with competitive promotional rates available to new customers or those depositing net new funds. Placements can be made via the Citi Mobile App or Citibank Online without requiring a branch visit. Promotional rates are tiered by placement amount, with larger balances attracting progressively better yields. The standard minimum deposit is HKD 50,000. Citigold and Citigold Private Client customers receive enhanced preferential rates above the standard published schedule. Best suited to existing Citi credit card or wealth management clients who can consolidate relationships and benefit from the Citigold rate premium on HKD time deposits.

HKD Time Deposit - Citibank Hong Kong

Hang Seng Bank, a majority-owned HSBC Group subsidiary and one of Hong Kong's four note-issuing banks, offers HKD time deposits in tenors spanning one week through twenty-four months, the widest range among all banks in this comparison. Placements can be made via Hang Seng e-Banking, the HSB mobile app, or in-branch. Online and mobile placements consistently attract a rate premium above standard counter rates. The minimum deposit is HKD 50,000 for most promotional tiers. Prestige and Preferred Banking clients access a tiered rate schedule with better yields. Best suited to HK residents who value the bank's long-standing local reputation, branch accessibility, and integration with the HSBC global ecosystem.

HKD Time Deposit - Hang Seng Bank

HSBC Hong Kong is the territory's largest commercial bank by assets and a note-issuing institution, offering HKD time deposits from one week through twenty-four months. Placements via the HSBC HK app or HSBC Online Banking attract a rate premium over branch counter rates. Premier and Premier Elite clients access higher rate tiers than standard HSBC One account holders, with Premier Elite commanding the best available rate. The minimum online placement is HKD 50,000. Although HSBC's headline rates rank below all competitors in this comparison, its unrivalled global network, comprehensive product suite, and HKMA oversight make it the preferred choice for risk-averse depositors who prioritise institutional depth and multi-currency service over rate maximisation.

HKD Time Deposit - HSBC Hong Kong