100,000 yuan per Hong Kong dollar as regular maximum of 5.14% is due to expire 11 banks above 4.5% (updated December 29) - Hong Kong Economic Daily - Financial management - Interest Rate Raiders

The bank’s high-interest term deposits are sometimes just a main attraction, often with many conditions attached, for example, the entrance fee can cost millions of dollars. Therefore, when you formally apply or want to open an account, the available funds may not reach the threshold of high interest rates.

if with100,000 yuanFor the price of the ticket, there are actually quite a few options. Below is a list of 20 low-threshold options for banks, all of which have hit the 4% level. Although many banks have recently cut interest rates, they still have a high of 5.14%. The sky is to 6.1%, with an average of 5.14% in 188 days.

Also, 11 banks are at 4.5% or more. It should be noted that the following interest deposits are all for 3 months or more, and some very short deposit periods with interest rates above 10% are not included. Bank of East Asia’s 8.8% is also not included, because its maximum deposit amount is only 10,000 yuan.

“Fixed margins are good” analyzes the best fixed deposits of margin banks from different angles, remember to click to bury more articles at the end of the article!

If you have 100,000 yuan, would you like to do a fixed-term plan? (Ordered from bottom to top by year)

Earn more than 2,600 yuan in 188 days

ICBC (Asia) currently offers a discount of up to 6.1%. The minimum deposit amount only needs to be 100,000 yuan in new funds, and both integrated customers and e-age customers can open accounts without becoming Elite Club customers of the bank, i.e. the threshold is not high. The so-called 6.1% is from the 121st day to the 188th day, but the average deposit period of 188 days is also 5.14%, when calculated as 100,000 yuan, the quick interest during the period is about 2647 yuan.

However, this discount is only available until the end of this month. If the bank does not renew at that time, on the basis of 100,000 yuan, the general customers 12-month deposit period will be 4.7%.

6 months up to 5% 3 months up to 4.88%

For a minimum deposit of 100,000 yuan, there is another 5% discount, which is Hang Seng Bank. Hang Seng’s 6-month deposit period is 5%. Although the initial deposit amount is only 10,000 yuan, it needs to be opened online with new funds for selected customers.

In 6-month terms, Chong Hing also has 4.7%, East Asia has 4.6%, NCB has 4.55%, and Ping An OneConnect Bank has 4.5%, but the period of deposit is 5 months.

For 3 months, 4.88% Citigroup is the maximum, but must be a new client of Citigroup Private Client/Citigold account and must hold a balance of the designated product. If you really want to lower the threshold, you can consider CNCBI. The bank increased the 3-month deposit period to 4.8% today, and you can open it with new funds in online/mobile banking.

East Asia, DBS and Bank of Communications Hong Kong all have the higher 4.7%, and all three have a 12-month deposit period. East Asia requires opening of new funds at branches; DBS is limited to designated discount codes online; Bank of Communications Hong Kong is also limited to New money online.

Date this article was last updated: December 29, 2022

Written by: Liao Yiran

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