Cash+  Fixed

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Investment service offering fixed returns of

-

% p.a.

Invest in 1, 3, 6 or 12-month time deposits with leading banks in Hong Kong.

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Fixed Returns

Lock in an attractive rate of up to

% p.a. with terms of your choice.

optimised rates

We monitor and secure attractive rates from banks in Hong Kong so that you don’t have to.

NO CATCH, NO CAP

Earn the same fixed rate on every dollar you invest.

Why Choose Syfe Cash+ Fixed

November 2025

	1-Month	3-Month	6-Month	12-Month	Minimum (USD)
Investment Service
	3.7 %	3.8 %	3.7 %	3.7%	No minimum
Bank Time deposit*
HSBC		3.50%	3.40%	3.10%	2,000
BOCHK		3.30%	3.10%		1,000
SCBHK		3.50%	3.50%	3.10%	2,000
Hang Seng		3.70%	3.70%		2,000
ICBC Asia	3.45%	3.45%	3.25%	3.05%	15,000

Cash+ Fixed is an investment management service, and should not be taken as a collective investment scheme with any pooling element or a fixed deposit or savings account, and is neither protected under the Deposit Protection Scheme (DPS), nor the Investor Compensation Fund (ICF). The optimised rates are not due to pooling of invested funds by Syfe, and Syfe is not offering Cash+ Fixed as a fund, scheme, or portfolio with a pooling element. Until the investment starts, the return rate is subject to change. Cash+ Fixed returns are fixed, subject to underlying bank risk. All Cash+ Fixed returns are only available after maturity. Sources: Syfe, banks' website or customer service hotlines.

*Time deposit account benchmarks are taken from 1, 3, 6 and 12-month term rates offered by the top 5 Hong Kong banks (in terms of total assets), as of 3 Nov 2025.

	1-Month	3-Month	6-Month	12-Month	Minimum (USD)
Investment Service
	2.7 %	3.1 %	3.15 %	3.00%	No minimum
Bank Time deposit*
HSBC		2.30%	2.30%		10,000
BOCHK		2.20%	2.00%		10,000
SCBHK		2.25%	2.30%	2.50%	10,000
Hang Seng		2.30%	2.30%		10,000
ICBC Asia	2.10%	2.30%	2.15%	2.05%	50,000

Invest with your
preferred currency

Enjoy the flexibility to fund in the currency that suits your investment strategy.

Cash+ Fixed (USD)

VERY Low RISK

Enjoy attractive fixed USD rates
on your idle cash.

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Fixed returns

% p.a.

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Cash+ Fixed (HKD)

VERY low risk

Maximise your HKD idle cash with
optimised HKD rates.

details

Fixed returns

% p.a.

select

All rates ready

Enjoy attractive fixed returns no matter the term.

months

3.7

% p.a.

US$

315

months

3.8

% p.a.

US$

315

months

3.7

% p.a.

US$

315

months

3.7

% p.a.

US$

315

*Based on Investment OF

US$100,000

months

2.7

% p.a.

HK$

315

months

3.1

% p.a.

HK$

315

months

3.15

% p.a.

HK$

315

months

% p.a.

HK$

315

*Based on Investment OF

HK$100,000

Leave the research and comparison to us. We constantly monitor latest figures from leading banks in Hong Kong to ensure that our rate remains competitive.

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Why invest with Syfe?

Learn how Cash+ Fixed stacks up against other solutions.

HK iBonds

Cash+ Fixed

Time deposit account

Bonds issued by the Hong Kong Government

Underlying

Fixed deposits*

Bank time deposit

Minimum interest rate of 2% p.a.

Returns

% p.a. (USD)

% p.a. (HKD)

3.00-3.85% p.a. (USD)
0.25-1.2% p.a. (HKD)^

Up to 3 years

Term

1, 3, 6, 12 months

3-12 months

Any time

Withdrawal

End of term

HK$10,000

Minimum or maximum sum

None

Depends on bank

DPS insured

Yes, up to HK$800K

*Cash+ Fixed is an investment management service, and should not be taken as a collective investment scheme with any pooling element or a fixed deposit or savings account, and is neither protected under the Deposit Protection Scheme (DPS), nor the Investor Compensation Fund (ICF). The optimised rates are not due to pooling of invested funds by Syfe, and Syfe is not offering Cash+ Fixed as a fund, scheme, or portfolio with a pooling element. Until the investment starts, the return rate is subject to change. Cash+ Fixed returns are fixed, subject to underlying bank risk. All Cash+ Fixed returns are only available after maturity.

^Time deposit account benchmarks are taken from 3, 6 and 12-month term rates offered by the top 5 Hong Kong banks (in terms of total assets), as of 1 Aug 2025.

Comparing portfolios

How are Syfe's cash management solutions different?

CASH+ FLexi

CASH+ Fixed

RETURNS

4.3

% p.a.* (USD)

2.5

% p.a.* (HKD)

Up to

% p.a. fixed (USD)

Up to

% p.a. fixed (HKD)

RECEIVE RETURNS

Daily

End of term

term

None

1, 3, 6, 12 months

Funding Currency

USD or HKD

management fee

None

minimum portfolio funding

None

*Net of fund-level fee and trailer fee rebate (if any). The yield presented here is estimated based on the weighted average of the Yield to Maturity of assets within Cash+ Flexi discretionary service. The latest yield, provided by asset managers, is as of {insert date}, and is subject to change based on market conditions such as interest rate changes. Yield is not a guarantee of future performance. A positive yield does not imply a positive return. Investments involve risks and Cash+ Flexi does not provide any guarantee or assurance of returns.

Compound your savings

Leverage the power of compounding when you opt in for auto-reinvesting at maturity.

Cash+ Fixed aims to deliver fixed returns in line with or above prevailing fixed deposit rates. Portfolio invests in fixed deposits from leading partner banks in Hong Kong.

FAQs

How does Syfe work with bank providers to secure optimized rates?

Syfe maintains partnerships with leading banks in Hong Kong that offer time deposits. We regularly assess the rates from these providers, along with market rates, to ensure that Cash+ Fixed rate remains competitive.

How are the returns fixed?

Returns are fixed once we invest your funds in time deposits with a partner bank for your chosen term. When the term ends, you will receive returns from the underlying time deposits at the fixed rate that you had secured at the beginning of the term.

Please note, that until the investment starts, the return rate is subject to change. If the return rate changes, you will be notified.

Will there be a change in the fixed return?

Once your investment begins, the fixed return and rate will not change during the entire duration of the investment.

Why doesn’t Cash+ Fixed charge users a fee?

From the rate we obtain from our partner bank, we take a slight margin before extending to you a rate that is still very attractive in the market. Once your investment begins, your Cash+ Fixed is assured to provide returns at the same rate. Our commitment is to deliver exceptional products, coupled with an unparalleled user experience, and this margin facilitates our ability to fulfil that commitment.

Can I top up or withdraw my money before the end of the term?

After the Cash+ Fixed is funded and invested, you will not have the option to make withdrawals until the fixed term ends.

We will reach out to you if we identify subsequent top-ups made into the same investment after funds have been locked and invested. You may create a new Cash+ Fixed investment and let us move the funds into that or have the funds sent back to you. We also recommend you edit the transfer plan to avoid this scenario in the future.

By creating multiple Cash+ Fixed investments, you create a “ladder” of maturity dates for your multiple Fixed investments, giving you the flexibility to access funds and take advantage of fluctuating interest rates.

Cash+  Fixed

Investment service offering fixed returns of

-

% p.a.

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Why Choose Syfe Cash+ Fixed

Invest with your
preferred currency

All rates ready

Earn

optimised rates

always