{"id":5806,"date":"2026-06-18T01:50:47","date_gmt":"2026-06-17T17:50:47","guid":{"rendered":"https:\/\/www.syfe.com\/hk\/magazine\/?p=5806"},"modified":"2026-06-18T01:50:48","modified_gmt":"2026-06-17T17:50:48","slug":"june-time-deposit-interest-rate-hk","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/hk\/magazine\/june-time-deposit-interest-rate-hk\/","title":{"rendered":"June 2026 | Hong Kong Best HKD Time Deposit Rates Offers"},"content":{"rendered":"\n<p>At the beginning of 2026, the market anticipated that the US would enter a rate-cutting cycle. However, by June, driven by inflation and geopolitical tensions , expectations for Federal Reserve rate cuts have cooled significantly, with some even anticipating a potential rate hike early next year. Under the <a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e6%b8%af%e5%85%83-%e7%be%8e%e5%85%83-%e8%84%ab-%e5%8b%be-%e5%be%8c%e6%9e%9c\/\">Linked Exchange Rate System<\/a>, Hong Kong\u2019s interest rates follow US dollar trends over the long term. These shifts and changing expectations regarding the US benchmark interest rate have forced banks to recalibrate their interest rate strategies, leading to a general rebound in HKD time deposit rates across Hong Kong banks.<br><a href=\"https:\/\/ppl-ai-file-upload.s3.amazonaws.com\/web\/direct-files\/attachments\/57672404\/3c2fa0ab-b9dc-4f87-b061-2aa60ad5644e\/Untitled-spreadsheet-Sheet1-9.csv?AWSAccessKeyId=ASIA2F3EMEYE2WNSFZDM&amp;Signature=FAWWIAp3A1EjuMjLOK3HQQeCg3M%3D&amp;x-amz-security-token=IQoJb3JpZ2luX2VjEOr%2F%2F%2F%2F%2F%2F%2F%2F%2F%2FwEaCXVzLWVhc3QtMSJHMEUCIQCfN3uRC958OImM6o9yKMVQCbG%2BvWwjDPJfPAsTGVhw%2FQIgHXV1ouhe1CrsCP1N31ZLeuRDpPSfyWEZ5LK1OHkjS04q%2FAQIs%2F%2F%2F%2F%2F%2F%2F%2F%2F%2F%2FARABGgw2OTk3NTMzMDk3MDUiDKM%2FfcXp3ZUsz9ZUdSrQBGssnq9ARTENJsbiisBIpkDuUK8mbXS870TSbh9hkwf1oyySDwngvo1c1CIo3SDhAcJrlGlsKSWV5t99ZeRTiNy6clIxcbDmUtX6zgsfMMDQMeDaZ48YIWK9Vsinb3EAUSXX6RvvYpm%2FTKbmIgqpwr%2BZ4YEfiGyVljcwU%2FjLCI3ecYr5CiPm7uP2rsaLZg9UlUveiXUbfJg3WTYUR1KLDTwlo2%2BSTb6FhSzo2eNcFVO67RqHruku%2B7J4WzmxVarlE4k2o6v0%2BlRqgaPTX0pwvCbZZ94cpqLwHAkWz7EMdoMCeYp0NTrkFFcGLfks8xtxtMg9lEl432CM00Gtn54CCJyQJDnX9h93VzJmngMmvVV9NgMkS8inXLOoxjgEjsywye3ESekhq5hKqYyu1euH88FWSrMkb0B5v2fq6fBtsZ2MJ%2F2%2F0YcnzLyl1niyf1RdtpIogo22U2CMQ6ejk%2FHqvOa9QHM864u3OB9Gls%2F1PsHLaEx0dW8N3rCSGhT4b3flSglr8XWJpMh2szk4bwtkLrnnp8uRKRhJ92ospjKxY2OUYdI4OHduM22WfR9UDeGCtATsIjjtudzgjhY3q%2Bnbe4vVliyh3vA1JYbbh%2B%2F5RG26n0xuxKKJIR0s9KISkxuVNNnrfMc9kNtI9X2zyq7yjqUMw0crmwIeIaUrlYPiwOBEcKstwgY0n5OdxWQupK2lmiwFKxEwLilIi8V8YFe36nObEmI7cW6SjD%2BTL6HtNXpZr2Bnsxop42RiEzDXWrCPT9NghHFOs%2BUacQWTwTngV7UwhbbxzwY6mAFTre3LKjH6Z6AIcHMlEIl73jxUPnTcaBUTHUTrL%2Bg9W%2BFnXK%2Bi9DnJ2E%2B7q9fIC5wxTJ%2F03LGjv7oVHkRvdUrqAbfFRBnvDbByXcFVm08wGkWSCZylTATffrQk40labj%2B3I8LH1xsc1chRHxeG9o9QAU3kAzcEog3OE3gEBjeRYsl5T%2BcCeYLT3IYpsLTYJ2ucsoA6ajVEbA%3D%3D&amp;Expires=1778148593\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n\n<p>As for&nbsp;<a href=\"https:\/\/www.syfe.com\/en-hk\/cash-management\/cash-plus-fixed\" target=\"_blank\" rel=\"noreferrer noopener\">Syfe&#8217;s Cash+ Fixed (HKD)<\/a>, 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 continues to offer 1-month, 3-month, 6-month and 12-month options with fixed yields of 2.35%, 2.50%, 2.70%, and 2.95% p.a., respectively, which remain competitive against many traditional bank offerings, especially given the absence of a minimum investment amount. More importantly, Cash+ has no minimum investment amount, making it suitable for both small-sum investors and anyone seeking flexible fund allocation.<a href=\"https:\/\/ppl-ai-file-upload.s3.amazonaws.com\/web\/direct-files\/attachments\/57672404\/3c2fa0ab-b9dc-4f87-b061-2aa60ad5644e\/Untitled-spreadsheet-Sheet1-9.csv?AWSAccessKeyId=ASIA2F3EMEYE2WNSFZDM&amp;Signature=FAWWIAp3A1EjuMjLOK3HQQeCg3M%3D&amp;x-amz-security-token=IQoJb3JpZ2luX2VjEOr%2F%2F%2F%2F%2F%2F%2F%2F%2F%2FwEaCXVzLWVhc3QtMSJHMEUCIQCfN3uRC958OImM6o9yKMVQCbG%2BvWwjDPJfPAsTGVhw%2FQIgHXV1ouhe1CrsCP1N31ZLeuRDpPSfyWEZ5LK1OHkjS04q%2FAQIs%2F%2F%2F%2F%2F%2F%2F%2F%2F%2F%2FARABGgw2OTk3NTMzMDk3MDUiDKM%2FfcXp3ZUsz9ZUdSrQBGssnq9ARTENJsbiisBIpkDuUK8mbXS870TSbh9hkwf1oyySDwngvo1c1CIo3SDhAcJrlGlsKSWV5t99ZeRTiNy6clIxcbDmUtX6zgsfMMDQMeDaZ48YIWK9Vsinb3EAUSXX6RvvYpm%2FTKbmIgqpwr%2BZ4YEfiGyVljcwU%2FjLCI3ecYr5CiPm7uP2rsaLZg9UlUveiXUbfJg3WTYUR1KLDTwlo2%2BSTb6FhSzo2eNcFVO67RqHruku%2B7J4WzmxVarlE4k2o6v0%2BlRqgaPTX0pwvCbZZ94cpqLwHAkWz7EMdoMCeYp0NTrkFFcGLfks8xtxtMg9lEl432CM00Gtn54CCJyQJDnX9h93VzJmngMmvVV9NgMkS8inXLOoxjgEjsywye3ESekhq5hKqYyu1euH88FWSrMkb0B5v2fq6fBtsZ2MJ%2F2%2F0YcnzLyl1niyf1RdtpIogo22U2CMQ6ejk%2FHqvOa9QHM864u3OB9Gls%2F1PsHLaEx0dW8N3rCSGhT4b3flSglr8XWJpMh2szk4bwtkLrnnp8uRKRhJ92ospjKxY2OUYdI4OHduM22WfR9UDeGCtATsIjjtudzgjhY3q%2Bnbe4vVliyh3vA1JYbbh%2B%2F5RG26n0xuxKKJIR0s9KISkxuVNNnrfMc9kNtI9X2zyq7yjqUMw0crmwIeIaUrlYPiwOBEcKstwgY0n5OdxWQupK2lmiwFKxEwLilIi8V8YFe36nObEmI7cW6SjD%2BTL6HtNXpZr2Bnsxop42RiEzDXWrCPT9NghHFOs%2BUacQWTwTngV7UwhbbxzwY6mAFTre3LKjH6Z6AIcHMlEIl73jxUPnTcaBUTHUTrL%2Bg9W%2BFnXK%2Bi9DnJ2E%2B7q9fIC5wxTJ%2F03LGjv7oVHkRvdUrqAbfFRBnvDbByXcFVm08wGkWSCZylTATffrQk40labj%2B3I8LH1xsc1chRHxeG9o9QAU3kAzcEog3OE3gEBjeRYsl5T%2BcCeYLT3IYpsLTYJ2ucsoA6ajVEbA%3D%3D&amp;Expires=1778148593\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n\t\t\t\t<div class=\"wp-block-uagb-table-of-contents uagb-toc__align-left uagb-toc__columns-1  uagb-block-6f387c9e      \"\n\t\t\t\t\tdata-scroll= \"1\"\n\t\t\t\t\tdata-offset= \"30\"\n\t\t\t\t\tstyle=\"\"\n\t\t\t\t>\n\t\t\t\t<div class=\"uagb-toc__wrap\">\n\t\t\t\t\t\t<div class=\"uagb-toc__title\">\n\t\t\t\t\t\t\tTable Of Contents\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uagb-toc__list-wrap \">\n\t\t\t\t\t\t<ol class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#best-hkd-time-deposit-options-by-tenure18-june-2026\" class=\"uagb-toc-link__trigger\">Best HKD Time Deposit Options by Tenure\uff5c18 June 2026<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#best-1-month-hkd-time-deposit-rate\" class=\"uagb-toc-link__trigger\">Best 1-Month HKD Time Deposit Rate<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#best-3-month-hkd-time-deposit-rate\" class=\"uagb-toc-link__trigger\">Best 3-Month HKD Time Deposit Rate<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#best-6-month-hkd-time-deposit-rate\" class=\"uagb-toc-link__trigger\">Best 6-Month HKD Time Deposit Rate<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#best-12-month-hkd-time-deposit-rate\" class=\"uagb-toc-link__trigger\">Best 12-Month HKD Time Deposit Rate<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#syfe-cash-fixed-hkd-a-strong-alternative\" class=\"uagb-toc-link__trigger\">Syfe Cash+ Fixed (HKD): A Strong Alternative<\/a><\/ul><\/ol>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>Best HKD Time Deposit Options by Tenure\uff5c18 June 2026<\/strong><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"578\" height=\"1024\" src=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/06\/\u87a2\u5e55\u622a\u5716-2026-06-18-01.50.17-578x1024.png\" alt=\"\" class=\"wp-image-9184\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/06\/\u87a2\u5e55\u622a\u5716-2026-06-18-01.50.17-578x1024.png 578w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/06\/\u87a2\u5e55\u622a\u5716-2026-06-18-01.50.17-169x300.png 169w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/06\/\u87a2\u5e55\u622a\u5716-2026-06-18-01.50.17-768x1359.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/06\/\u87a2\u5e55\u622a\u5716-2026-06-18-01.50.17-237x420.png 237w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/06\/\u87a2\u5e55\u622a\u5716-2026-06-18-01.50.17-696x1232.png 696w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/06\/\u87a2\u5e55\u622a\u5716-2026-06-18-01.50.17.png 818w\" sizes=\"auto, (max-width: 578px) 100vw, 578px\" \/><\/figure>\n\n\n\n<p><sup>Rates as of 17 June 2026<\/sup><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Best 1-Month HKD Time Deposit Rate<\/strong><\/h3>\n\n\n\n<p>Banks in Hong Kong remain generally unaggressive regarding 1-month HKD terms, and some institutions do not even offer this option. Among traditional banks, <a href=\"https:\/\/www.ncb.com.hk\/nanyang_bank\/popup1\/deposit_e.html\"><strong>Nanyang Commercial Bank<\/strong> <\/a>offers a relatively high rate of <strong>2.35%<\/strong>, provided that customers open the account via online or mobile banking.<a href=\"https:\/\/www.publicbank.com.hk\/en\/usefultools\/rates\/depositinterestrates\"> <strong>Public Bank (Hong Kong)<\/strong> a<\/a>nd <strong><a href=\"https:\/\/www.asia.ccb.com\/hongkong\/personal\/accounts\/dep_rates.html\">CCB Asia<\/a><\/strong> follow closely at <strong>2.30%<\/strong> and <strong>2.25%<\/strong> respectively. In the digital banking sector, <strong><a href=\"https:\/\/www.fusionbank.com\/deposit.html?lang=tc\">Fusion Bank<\/a><\/strong> only offers <strong>1.60%<\/strong>.<\/p>\n\n\n\n<p>Meanwhile, Syfe\u2019s 1-month investment service delivers a fixed yield of 2.35% with no minimum deposit, outperforming most traditional bank options.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Best 3-Month HKD Time Deposit Rate<\/strong><\/h3>\n\n\n\n<p>The current &#8220;ceiling&#8221; for the 3-month HKD tenor is led by <a href=\"https:\/\/www.fubonbank.com.hk\/en\/deposit\/latest-promotions\/new-customers-promotion.html\"><strong>Fubon Bank<\/strong> <\/a>at <strong>2.95%<\/strong>, followed by digital institution <strong>Fusion Bank<\/strong>, which tops its sector at <strong>2.70%<\/strong>. The three <a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e7%99%bc-%e9%88%94-%e9%8a%80%e8%a1%8c\/\">note-issuing banks<\/a> (<strong>HSBC, <a href=\"https:\/\/www.bochk.com\/en\/deposits\/promotion\/timedeposits.html\">BOCHK<\/a>, and Standard Chartered<\/strong>) remain clustered around the <strong>2.40%<\/strong> level.<\/p>\n\n\n\n<p>Syfe\u2019s 3-month investment service provides a fixed yield of 2.50% with no minimum deposit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Best 6-Month HKD Time Deposit Rate<\/strong><\/h3>\n\n\n\n<p>As of mid-June 2026, major incumbents <strong>BOCHK, Standard Chartered, and <\/strong><a href=\"https:\/\/cms.hangseng.com\/cms\/emkt\/pmo\/grp06\/p04\/eng\/index.html\"><strong>Hang Seng<\/strong> <\/a>offer 6-month HKD rates ranging between <strong>2.20% and 2.40%<\/strong>. Other traditional banks are noticeably more aggressive, with <strong>Fubon<\/strong> and <strong>CCB Asia<\/strong> leading at <strong>2.95%<\/strong> and <strong>2.45%<\/strong> respectively, though both enforce specific minimum deposits and new fund restrictions. In the digital space, <strong>Fusion Bank<\/strong> offers a higher tier return of <strong>2.60%<\/strong>.Syfe\u2019s 6-month service yields a <strong>fixed 2.70% <\/strong>with no minimum deposit, combining flexibility with stronger returns.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Best 12-Month HKD Time Deposit Rate<\/strong><\/h3>\n\n\n\n<p>For investors looking to lock in longer terms, not all large banks offer a 12-month HKD option via online or mobile banking. Currently, digital banks stand out in the 1-year segment, with <strong>Fusion Bank<\/strong> offering a <strong>2.90%<\/strong> rate and <strong>Mox Bank<\/strong> providing <strong>2.75%<\/strong>. Syfe\u2019s 12-month service delivers a peak<strong>fixed yield of 2.95%<\/strong> with no minimum deposit threshold.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Syfe Cash+ Fixed (HKD): A Strong Alternative<\/strong><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.syfe.com\/en-hk\/cash-management\/cash-plus-fixed\" target=\"_blank\" rel=\"noreferrer noopener\">Syfe\u2019s Cash+ Fixed (HKD)<\/a>&nbsp;is an investment service that places funds into time deposits with fixed yields of 2.35% p.a. (1 month), 2.50% p.a. (3 months), 2.70% p.a. (6 months), and 2.95% p.a. (12 months). On the latest attached data, these rates continue to beat many traditional bank offers on a like-for-like basis, especially once minimum deposit thresholds are taken into account. With no minimum investment, no management fees, and flexible tenors, it remains well positioned for both small and large savers seeking predictable HKD yields.&nbsp;<\/p>\n\n\n\n<p>Unlike traditional banks, Cash+ Fixed (HKD) offers these unique advantages:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Higher return potential<\/strong>: Fixed yields higher than most bank time deposits in the current market<\/li>\n\n\n\n<li><strong>No investment threshold<\/strong>: No minimum investment amount, unlike banks requiring HK$10,000-100,000<\/li>\n\n\n\n<li><strong>Flexible access<\/strong>: More flexible terms and withdrawal options compared to traditional time deposits<\/li>\n\n\n\n<li><strong>User-friendly platform<\/strong>: Easily invest, monitor, and manage funds through the Syfe mobile application<\/li>\n\n\n\n<li><strong>No hidden fees<\/strong>: Transparent fee structure with no management fees<\/li>\n<\/ol>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>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.<a href=\"https:\/\/help.hk.syfe.com\/hc\/zh-hk\/categories\/29611242043673-Syfe-%E5%AE%9A%E6%81%AF%E5%AF%B6-%E6%B8%AF%E5%85%83\"> [Click here to learn more about Cash+ Fixed HKD FAQs]<\/a>.<\/p>\n\n\n\n<p><strong>More Hong Kong USD Fixed Deposit Rates Guide\uff1a<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/best-usd-time-deposit-rate-hong-kong\/\"><strong>Best Hong Kong USD Fixed Deposit Rates<\/strong><\/a><strong>\uff5c<strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%a6%99%e6%b8%af-%e9%8a%80%e8%a1%8c-%e9%ab%98%e6%81%af-%e6%b8%af%e5%85%83-%e6%b4%bb%e6%9c%9f-%e5%84%b2%e8%93%84-%e5%ad%98%e6%ac%be-%e5%88%a9%e6%81%af-%e6%af%94%e8%bc%83\/\">\u9999\u6e2f\u9ad8\u606f\u5132\u755c\u6236\u53e3<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E5%AE%9A%E6%9C%9F-%E5%AD%98%E6%AC%BE-%E6%96%B0%E8%B3%87%E9%87%91-%E5%93%AA-%E9%96%93-%E9%8A%80%E8%A1%8C-%E5%AE%9A-%E5%AD%98-%E5%88%A9%E6%81%AF-%E9%AB%98-%E6%BB%99%E8%B1%90-%E4%B8%AD%E9%8A%80\/\">\u6e2f\u5143\u65b0\u8cc7\u91d1\u5b9a\u5b58\u5229\u606f\u6bd4\u8f03<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/usd-time-deposit\/\">\u9999\u6e2f\u7f8e\u5143\u5b9a\u5b58\u6bd4\u8f03<\/a><\/strong>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e6%9c%80-%e5%84%aa%e6%83%a0-%e5%88%a9%e7%8e%87\/\"><\/a><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%87%ba-%e7%b3%a7-%e6%88%b6%e5%8f%a3\/\">\u51fa\u7ce7\u6236\u53e3\u6bd4\u8f03<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e6%9c%80-%e5%84%aa%e6%83%a0-%e5%88%a9%e7%8e%87\/\">\u6700\u512a\u60e0\u5229\u7387<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e8%81%af%e5%84%b2-%e5%b1%80-%e8%ad%b0-%e6%81%af-%e6%9c%83%e8%ad%b0-%e6%97%a5%e6%9c%9f-%e4%b8%bb%e5%b8%ad\/\">Fed\u8b70\u606f\u6703\u8b70<\/a><\/strong><\/p>\n\n\n\n<p>*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.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>Disclaimer:<\/p>\n\n\n\n<p>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. <a href=\"https:\/\/www.syfe.com\/hk\/cash-plus-fixed\">[Learn more]<\/a><\/p>\n\n\n\n<p>*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.<\/p>\n\n\n\n<p>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.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Syfe&#8217;s experts consolidate HKD time deposit rates from over 15 banks and the latest short-term management tool for idle funds in Hong Kong to help investors achieve the best returns.<\/p>\n","protected":false},"author":27,"featured_media":4405,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[21,25],"tags":[200,149,150,155,153,201],"class_list":{"0":"post-5806","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-insyfehands","8":"category-marketnow","9":"tag-hkd-time-deposit","10":"tag-time-deposit","11":"tag-time-deposit-rate-hong-kong","12":"tag-155","13":"tag-153","14":"tag-201"},"acf":{"readingTime":"","authorName":"","authorThumbnail":false,"BLUE_TIER":"0","BLACK_TIER":"0","GOLD_TIER":"0","PRIVATE_WEALTH_TIER":"0","PRE_AML":"0","POST_AML":"0","NO_GLOBAL_PORTFOLIO":"0","NO_REITS_PORTFOLIO":"0","NO_EQUITY_PORTFOLIO":"0","NO_CASH_PORTFOLIO":"0","HAS_ADVISOR":"0","INVESTMENT_PORTFOLIO_AUM":"0","AFTER_AML_DATE":"","AFTER_ACCOUNT_CREATED_DATE":"","language":"all"},"yoast_head":"<!-- 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