HKD Time Deposit Rates in Mid September 2025
In mid-September 2025, the Hong Kong Interbank Offered Rate (HIBOR) continues to be at a high level. As a result, most Hong Kong banks have noticeably increased their HKD time deposit rates compared to the beginning of the month. Short-term deposits, such as those for 3 and 6 months, have now surpassed 2% p.a. (during the summer, most banks’ 3- to 6-month HKD time deposit rates were only between 1% and 1.5%). While rates for longer tenors (12 months or more) have also increased, they are not as attractive as short-term time deposits.
As for Syfe’s Income+, 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%, 3.25%, and 3.25% 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｜16 Sept 2025
Rates as of 15 Sept 2025
Best HKD Time Deposit Rates by Tenure
- Best 1-Month HKD Time Deposit Rate:
Among 1-month HKD time deposit products, Fubon Bank offers the highest rate at 2.3% p.a. for traditional banks, but with a minimum deposit of HK500,000. In comparison, Syfe’s investment service provides a maximum rate of 3% with no minimum deposit, along with the option for automatic principal and interest reinvestment, making it highly suitable for those with small-sum or short-term flexible fund allocation needs. - Best 3-Month HKD Time Deposit Rate:
Fubon Bank again offers the highest rate at 2.6%, but with a minimum deposit of HK$500,000. Virtual banks like Fusion Bank and Airstar Bank offer more accessible rates between 2.2% and 2.4% (Fusion Bank’s highest is 2.4% with no minimum deposit). Syfe’s investment service offers an annualized fixed return of 3.25% with no minimum deposit. - Best 6-Month HKD Time Deposit Rate:
The highest 6-month time deposit rate is still led by Fubon Bank, which offers 2.6% for deposits of HK$500,000 or more. Virtual banks Airstar Bank and Fusion Bank provide depositors with 2.4% and 2.35% respectively. Syfe’s investment service offers an annualized return of 3.25% with no minimum deposit. - Best 12-Month HKD Time Deposit Rate:
For investors looking for a longer-term time deposit, Standard Chartered Bank is the most aggressive among traditional banks, offering a 2.5% p.a. rate (for new online deposits). Virtual bank Airstar Bank offers an even more competitive 2.6% p.a. rate, though the latter has no physical branches and requires investors to open the time deposit via mobile banking.
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.
