HKD Time Deposit Rates in August 2025
Entering August 2025, influenced by the decline in the Hong Kong Interbank Offered Rate (HIBOR), the HKD time deposit rates at most local banks are showing a downward trend. Many banks have lowered their time deposit rates from a previous 3% to around 1% or even lower. Market analysis anticipates that if the US Federal Reserve cuts interest rates, Hong Kong’s deposit rates are likely to remain low.
Currently, most time deposits for 3 months or less are still at or below 1% p.a. , while 6-month or longer tenors hover around 1% p.a.. HKD time deposit options offering a 2% p.a. return for large sums are very rare
Best HKD Time Deposit Options by Tenure｜18 August 2025
| Institution | 1 Month | 3 Months | 6 Months | 12 Months | Min Deposit | Remark |
| Syfe Investment Services | 1.75％ | 2.00% | 2.60% | – | No | More flexible terms |
| Institution | 1 Month | 3 Months | 6 Months | 12 Months | Min Deposit | Remark |
| HSBC Premier Elite / Premier | – | 0.50% | 1.20% | – | HKD 10,000 | New Fund Online Offer |
| HSBC One | – | 0.30% | 1.00% | – | HKD 10,000 | New Fund Online Offer |
| Bank of China(BOC) Private Wealth / Wealth Management | – | 0.50% | 0.90% | – | HKD 10,000 | New Fund Online Offer |
| Bank of China(BOC) Enrich Banking / i-Free Banking / | – | 0.30% | 0.70% | – | HKD 10,000 | New Fund, Internet Banking, Mobile Banking |
| Standard Chartered | – | 0.50% | 1.20% | 1.60% | HKD 10,000 | New Fund Offer |
| Hang Seng Bank | – | 0.50% | 1.20% | – | HKD 10,000 | New Fund Online Offer |
| ICBC Asia Wise Gold / Elite Club | 0.25% | 0.95% | 1.25% | 1.25% | HKD 50,000 to below 80,000 | Online Banking Offer |
| 0.25% | 1.00% | 1.3% | 1.30% | HKD 80,000 | Online Banking Offer | |
| 0.25% | 1.05% | 1.35% | 1.35% | HKD 3,000,000 | Online Banking Offer | |
| Bank of East Asia (SupremeGold Private) | – | 0.80% | 1.50% | 1.50% | HKD 10,000 | New Fund Offer |
| Nanyang Commercial Bank | 0.375%0.375% | 1.00%1.10% | 1.4%1.5% | 1.7%1.8% | HKD 100,000HKD 1,000,000 | Online Plus One Offer through Online Banking |
| DBS Bank | 0.50% | 1.25% | 1.30% | 1.20% | HKD 50,000 | Online New Fund Offer |
| Bank of Communications | 0.25% | 0.275% | 0.275% | 0.3% | HKD 200,000 | Online New Fund Offer |
| China Construction Bank (Asia) | 0.60％ | 1.40% | 1.40% | 1.40% | HKD 1,000,000 | New Fund Offer |
| Fusion Bank | 0.50% | 1.30% | 1.70% | 2.00% | No min | virtual bank |
| AirStar Bank | 0.01% | 1% | 1.70% | 2.3% | No min | virtual bank |
| Mox Bank | – | 0.70% | 1.40% | 1.80% | No min | virtual bank |
| Fubon Bank | 0.60% | 1.30% | 1.90% | 1.9% | HKD 500,000 | New Fund Online Offer |
| CMB Wing Lung Bank | 0.25%0.25% | 1%1.05% | 1.25%1.30% | 1.15%1.20% | HKD 10,000HKD 500,000 | CMB Wing Lung Bank Mobile App Offer |
| Shanghai Commercial Bank | 0.25% | 1.13% | 1.38% | 1.48% | – | Online Bank |
| Public Bank (Hong Kong) | 1.45% | 1.55% | 1.45% | 1.60% | HKD <100,000 | – |
Best 1-Month HKD Time Deposit Rate
For those interested in short-term 1-month deposits, options can be limited as major banks like HSBC, Standard Chartered, and Hang Seng, along with virtual banks like Mox, typically start their time deposit tenors at three months.
As of mid-August 2025, Public Bank (Hong Kong) is the most competitive for short-term funds. It offers a 1.45% p.a. rate for deposits of HKD 100,000 or less. For deposits of HKD 500,000 or more, the rate increases to 1.55% p.a.
Best 3-Month HKD Time Deposit Rate
For a 3-month tenor, Public Bank (Hong Kong) again offers the highest rate. It provides 1.55% p.a. for funds of HKD 100,000 or less, with the rate rising to 1.65% p.a. for deposits over HKD 500,000.
Best 6-Month HKD Time Deposit Rate
For 6-month HKD time deposits, Fubon Bank has the highest rate at 1.90% p.a., which requires a minimum deposit of HKD 500,000 for its new fund online offer. For investors seeking an option with no minimum deposit, AirStar Bank is a strong choice, offering 1.7% p.a.
Best 12-Month HKD Time Deposit Rate
Long-term investors can find the highest rate at AirStar Bank, which offers a 12-month time deposit at 2.30% p.a. with no minimum deposit required. The next best option with no minimum is Fusion Bank at 2.0% p.a.
Latest Short-Term Fund Growth Strategies
Syfe’s Cash+ Fixed (HKD) is an investment service denominated in HKD, investing in time deposits with fixed yields of 1.75% (1 month), 2.00% (3 months), and 2.60% (6 months), surpassing most traditional bank rates. With no minimum investment, no management fees, and flexible terms, it’s ideal for both small and large investors.
Unlike traditional banks, Cash+ Fixed (HKD) offers these unique advantages:
- Higher return potential: Fixed yields higher than most bank time deposits in the current market
- No investment threshold: No minimum investment amount, unlike banks requiring HK$10,000-100,000
- Flexible access: More flexible terms and withdrawal options compared to traditional time deposits
- User-friendly platform: Easily invest, monitor, and manage funds through the Syfe mobile application
- No hidden fees: Transparent fee structure with no management fees
Cash+ Fixed (HKD) is particularly suitable for investors looking to pursue stable returns while maintaining fund flexibility in the current low-interest environment. Whether as a short-term management tool for idle funds or as a stable income component in an investment portfolio, Cash+ Fixed (HKD) provides a quality alternative to traditional bank time deposits.
From a risk perspective, although Syfe is not a bank, as a financial institution with significant scale, Syfe is able to negotiate competitive time deposit rates with banks. This investment service is not covered by the Hong Kong Deposit Protection Scheme (DPS), but investors can invest with confidence as we only partner with financially sound banks. Through our partnerships, Cash+ Fixed HKD offers competitive yields without any conditions, has no investment amount limits, and charges no fees. [Click here to learn more about Cash+ Fixed HKD FAQs].
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*Calculator note: If your Cash+ Fixed HKD matures on a business day, you will receive the fixed return at the prevailing yield. If not, your Cash+ Fixed HKD investment will end on the next business day, and you will receive proportional returns to the additional days.
Yields may change before investment begins. Cash+ Fixed HKD returns are fixed but subject to potential bank risks. All Cash+ Fixed HKD returns are only available upon maturity.
Disclaimer:
This article is for informational purposes only and should not be viewed as financial advice. It is not meant to market any specific investment, or offer or recommend the purchase or sale of any specific security. All forms of investments carry risks, including the risk of losing all of the invested amount. Such activities may not be suitable for everyone. Past returns are not a guarantee for future performance. Investors should consider his/her own circumstances. The information or advertisement contained herein does not constitute an offer, any solicitation, invitation or recommendation to engage in any investment activities. The content of this article has not been reviewed by the Securities and Futures Commission of Hong Kong.Cash+ Fixed HKD is an investment management service, and should not be taken as a collective investment scheme or a deposit or savings account. The optimised rates are not due to pooling of invested funds by Syfe, and Syfe is not offering Cash+ Fixed HKD as a fund, scheme, or portfolio with a pooling element. Until the investment starts, the return rate is subject to change. Cash+ Fixed HKD returns are fixed, subject to underlying bank risk. All Cash+ Fixed hkd returns are only available after maturity. [Learn more]
*Calculator note: If your Cash+ Fixed HKD matures on a business day, you will receive the fixed return at the prevailing yield. If not, your Cash+ Fixed HKD investment will end on the next business day, and you will receive proportional returns to the additional days.
Yields may change before investment begins. Cash+ Fixed HKD returns are fixed but subject to potential bank risks. All Cash+ Fixed HKD returns are only available upon maturity.
