HSBC raised interest rates to 4.5% last month, which opened up the level of time deposits. In addition, banks are preparing to compete for refunds of green bonds. Currently, the interest rates of many time deposits with different deposit periods and the highest interest rates are at4.5 centimeters or more, many banks have recently raised interest rates again, and deposit terms from 3 months to 24 months have reached new highs. Please see the picture below for details:
▼Click on the image to enlarge
Recently, there have been many regular promotions of high interest rates, but readers who inquire about them often return disappointed because these offers either require new customers or new funds. For example, Citigroup’s 5%, ICBC (Asia)’s 4.9% or Bank of East Asia’s 4.88% all require new customers or large amounts of new funds.
The following is an introduction to you with the highest interest ratesFixed deposit of existing funds, the current existing funds are not inferior to new funds, and the highest Hong Kong dollar is 4.7%! The low threshold is up to 4.6%, see the picture below for details:
Hong Kong dollar existing funding discount
Existing funds 4.7%, low threshold 4.6%
Currently, the existing funds are up to 4.7%, which is Fubon’s mobile banking discount. The existing funds for 12 months, 6 months and 3 months are 4.5%, but the minimum deposit is 1 million yuan, which is a high-threshold option.
Those with a medium threshold can consider Chong Hing Bank. Its online existing funds discount has also increased interest rates recently, with a 3-month deposit period of 4.6% and a minimum deposit of 500,000 yuan; CNCBI International’s online existing funds offer a 3-month deposit. The term is also 4.5%, and the minimum deposit is 100,000 yuan.
The low threshold is up to 4.6%, which are all discounts of virtual banks. Fulong Bank’s 6-month deposit period is 4.6%, with no minimum deposit requirements, and existing funds are also acceptable; its 12-month deposit period is also 4.5%, which is The highest among the low thresholds.
WeLab Bank also has 4.6%, which has a 24-month super long deposit period. The minimum deposit is 10 yuan. It has 4.6% for 24 months, 4.5% for 18 months, and 4.4% for 12 months. There is also no need to renew. funds.
Must read when collecting interest:HSBC and Bank of China have the lowest threshold of 4.5%!Dismantling the 3 major reasons for the “Hong Kong dollar shortage”
5% of new funds extended to mid-October
The above-mentioned discounts for existing funds are no less favorable than those for new funds. Citigroup’s 5% has been extended to mid-October, ICBC (Asia) has 4.9%, Bank of East Asia has 4.88%, China Construction Bank Asia and Fubon Bank have as high as 4.8%, which has an advantage over existing funds. Details of the new funding are as follows:
Hong Kong Dollar New Fund Offer
▼Click on the image to enlarge
If you want to doNew Funding Offerand due to limited funds, consider“How to Make Your Own New Funds”see details:Earn the magic weapon of high-interest fixed deposit to make your own new funds. You must know it.
The last update date of this article: October 5, 2023
More high-interest deposits:
[Time Deposit 2023]is approaching the 5% mark again! 5 banks 4.8% or above (newly added ICBC (Asia) 4.9%)
[High interest demand deposit]Hang Seng increased to 8% Standard Chartered Marathon 6%, the average in 4 months is more than 4%｜October discount update
Are high-interest time deposits good?A lazy person can watch the sun
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2023-10-04 21:46:06
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