HKD Time Deposit Rates in September 2025
In September 2025, Hong Kong Interbank Offered Rate (HIBOR) has surged significantly, pushing HKD time deposit rates higher at many local banks. Rates that were previously around 1% have now climbed to 2% or more in many cases. Most deposits for 6 months or less are now offering around 2% p.a. or higher. This article lists the latest HKD time deposit rates from Hong Kong’s top traditional and virtual banks to help you choose the best option for your savings.
Best HKD Time Deposit Options｜September 2025
Best HKD Time Deposit Rates by Tenure
- Best 1-Month HKD Time Deposit Rate: Public Bank (Hong Kong) offers the top rate at 2.45% p.a. for deposits under HKD 100,000, rising to 2.55% p.a. for HKD 500,000 or more. Options for 1-month deposits are limited, as major banks like HSBC, Standard Chartered, Hang Seng, and virtual banks like Mox usually start at 3 months.
- Best 3-Month HKD Time Deposit Rate: Public Bank (Hong Kong) leads with 2.55% p.a. for deposits under HKD 100,000, increasing to 2.65% p.a. for HKD 500,000 or more.
- Best 6-Month HKD Time Deposit Rate: Fubon Bank offers 2.90% p.a., requiring at least HKD 500,000 for its new funds online offer. For no minimum deposit, Fusion Bank and AirStar Bank both provide 2.70% p.a.
- Best 12-Month HKD Time Deposit Rate: AirStar Bank gives the highest rate at 3.30% p.a. with no minimum deposit. Fusion Bank follows at 3.00% p.a., also with no minimum.
Syfe Cash+ Fixed (HKD): A Strong Alternative
Syfe’s Cash+ Fixed (HKD) is an investment service that puts your money into time deposits with fixed yields of 3.10% p.a. (1 month), 3.20% p.a. (3 months), and 3.25% p.a. (6 months), beating most traditional bank rates. With no minimum investment, no management fees, and flexible terms, it’s great for both small and large savers. While not covered by the Hong Kong Deposit Protection Scheme (DPS), Syfe partners with financially sound banks to offer competitive rates and flexibility.
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.
