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| Bank Name | Period | Min Amount | Max Amount | Member Tier | Interest Rate | Note | Start Date | End Date |
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| Bank Name | Period | Min Amount | Max Amount | Member Tier | Interest Rate | Note | Start Date | End Date |
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About HKD Time Deposits in Hong Kong
Time deposits (also known as fixed deposits) are financial products offered by banks in Hong Kong where you deposit a fixed amount of money for a specific period and earn interest at a predetermined rate. They typically offer higher interest rates than regular savings accounts, especially for larger deposit amounts and longer deposit periods.
Key Factors When Choosing a Time Deposit
- Interest Rate: Higher rates mean better returns on your deposit.
- Deposit Period: Ranges from 1 month to several years. Longer periods typically offer higher rates.
- Minimum Deposit: The minimum amount required to qualify for a specific rate.
- Eligibility: Some offers are limited to new funds or specific customer segments.
- Early Withdrawal Penalties: Consider the penalties for withdrawing before maturity.
Banking Terms Glossary
- New Funds
- Money that was not previously deposited with the bank, often eligible for preferential rates.
- Deposit Period
- The length of time you agree to leave your money with the bank, commonly expressed as 1M (1 month), 3M, 6M, etc.
- Promotional Rate
- Limited-time interest rates that are higher than standard offers, often with specific conditions.