HKD Time Deposits Remain Resilient Despite US Rate Cuts in November 2025
Although the US has cut interest rates twice within the year, the Hong Kong Interbank Offered Rate (HIBOR) has not seen a significant decline. Furthermore, entering November, banks are actively absorbing year-end funds, making 3-month HKD time deposits particularly “firm”. Several banks have raised their 3-month time deposit rates to 2.5% or above, while the rates for 6-month or 1-year tenors have remained stable.
As for Syfe’s Cash+ Fixed, which is settled in HKD, the underlying assets are time deposits. The interest rate, like that of a time deposit, is fixed, and there are no management fees. It offers 1-month, 3-month, and 6-month options with fixed yields of 3.1%, 3.4%, and 3% p.a., respectively, which are significantly higher than typical time deposits. More importantly, Income+ has no minimum investment amount, making it suitable for both small-sum investors and anyone seeking flexible fund allocation.
Best HKD Time Deposit Options by Tenure｜3 November 2025
Rates as of 3 Nov 2025
Best HKD Time Deposit Rates by Tenure
Best 1-Month HKD Time Deposit Rate
Currently, banks in Hong Kong are not particularly aggressive with 1-month HKD time deposit rates. Among traditional banks, China Construction Bank (Asia) offers an annual interest rate of 2.2% (with a minimum deposit of HKD 1,000,000), or ICBC Asia offers 2.1% (with a minimum deposit of HKD 50,000). Among smaller banks, Fubon Bank offers a comparatively higher rate of 2.5% for a 1-month deposit (with a minimum deposit of HKD 500,000).
Syfe’s investment service provides the highest rate at 3.1%, and notably, has no minimum deposit amount.
Best 3-Month HKD Time Deposit Rate
Over the past half-month, 10 out of 17 banks have slightly increased their 3-month time deposit rates. China Construction Bank (Asia) oamong traditional banks (with a minimum deposit of HKD 1,000,000), and virtual banks Fusion Bank and Mox Bank all offer a 3% 3-month time deposit rate. Crucially, the two virtual banks waive the minimum deposit threshold. Syfe’s investment service offers an annualized fixed return of 3.4%, with no minimum deposit amount.
Best 6-Month HKD Time Deposit Rate
The 6-month HKD time deposit rates at traditional banks are generally below 3%. DBS Bank offers the highest rate among these at 2.6% for new funds, with a minimum deposit of HKD 50,000. As for virtual banks, AirStar Bank provides depositors with 3%. While Airstar has no minimum amount limit, it operates without physical branches, requiring investors to open the time deposit via mobile banking. Syfe’s investment service offers an annualized return of 3.4%, also with no minimum deposit threshold.
Best 12-Month HKD Time Deposit Rate
For investors interested in longer-term deposits, DBS Bank is the most aggressive among traditional Hong Kong banks, offering a 2.65% annual interest rate for 1-year deposits (online new fund time deposit offer). Virtual bank AirStar Bank also offers a competitive 3% annual interest rate.
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 3.1% p.a. (1 month), 3.4% p.a. (3 months), and 3% 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.
