{"id":5874,"date":"2026-04-16T22:48:57","date_gmt":"2026-04-16T14:48:57","guid":{"rendered":"https:\/\/www.syfe.com\/hk\/magazine\/?p=5874"},"modified":"2026-04-16T22:48:59","modified_gmt":"2026-04-16T14:48:59","slug":"usd-time-deposit","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/usd-time-deposit\/","title":{"rendered":"4\u6708\u66f4\u65b0\uff5c\u9999\u6e2f10\u5927\u9280\u884c\u7f8e\u5143\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\u8a73\u76e1\u6bd4\u8f03"},"content":{"rendered":"\n<p>\u57282026\u5e744\u6708\u4efd\uff0c\u4e2d\u6771\u6230\u4e8b\u4ee4\u6cb9\u50f9\u4e0a\u5347\uff0c\u901a\u8139\u58d3\u529b\u62d6\u6162<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\/\">\u806f\u5132\u5c40<\/a>\u6e1b\u606f\u6b65\u4f10\uff0c\u7f8e\u5143\u5b9a\u5b58\u5229\u606f\u5448\u6a6b\u884c\u8d70\u52e2\uff0c\u5927\u90e8\u9280\u884c\u7684\u7f8e\u5143\u5b9a\u5b58\u5f98\u5f8a\u65bc3\u5398\u6c34\u5e73\uff0c\u9999\u6e2f\u5341\u5927\u9280\u884c\u4e4b\u4e2d\u4ee5\u5de5\u9280\u4e9e\u5dde\u63d0\u4f9b\u8f03\u5177\u7af6\u722d\u529b\u7684\u7f8e\u5143\u5b9a\u5b58\u5229\u7387\u3002\u8207\u6b64\u540c\u6642\uff0cFintech Syfe\u6295\u8cc7\u670d\u52d9\u5247\u63d0\u4f9b\u6700\u9ad83.75\uff05\u7684\u5e74\u5316\u5b9a\u671f\u56de\u5831\u7387\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/03\/shutterstock_2590734927-1024x683.jpg\" alt=\"\" class=\"wp-image-5875\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/03\/shutterstock_2590734927-1024x683.jpg 1024w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/03\/shutterstock_2590734927-300x200.jpg 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/03\/shutterstock_2590734927-768x512.jpg 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/03\/shutterstock_2590734927-1536x1024.jpg 1536w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/03\/shutterstock_2590734927-2048x1365.jpg 2048w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/03\/shutterstock_2590734927-630x420.jpg 630w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/03\/shutterstock_2590734927-696x464.jpg 696w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/03\/shutterstock_2590734927-1068x712.jpg 1068w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/03\/shutterstock_2590734927-1920x1280.jpg 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\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-89545060      \"\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=\"#2026\u5e744\u6708\u9999\u6e2f\u7f8e\u5143\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\u8b8a\u5316\u5206\u6790\" class=\"uagb-toc-link__trigger\">2026\u5e744\u6708\u9999\u6e2f\u7f8e\u5143\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\u8b8a\u5316\u5206\u6790<\/a><li class=\"uagb-toc__list\"><a href=\"#\u70ba\u4f55\u9078\u64c7\u7f8e\u5143\u5b9a\u671f\u5b58\u6b3e\" class=\"uagb-toc-link__trigger\">\u70ba\u4f55\u9078\u64c7\u7f8e\u5143\u5b9a\u671f\u5b58\u6b3e\uff1f<\/a><li class=\"uagb-toc__list\"><a href=\"#\u9999\u6e2f10\u5927\u9280\u884c\u7f8e\u5143\u5b9a\u5b58\u6bd4\u8f03\u88684\u6708\u66f4\u65b0\" class=\"uagb-toc-link__trigger\">\u9999\u6e2f10\u5927\u9280\u884c\u7f8e\u5143\u5b9a\u5b58\u6bd4\u8f03\u8868\uff084\u6708\u66f4\u65b0\uff09<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u6700\u4f731\u500b\u6708\u7f8e\u5143\u5b9a\u5b58\u5229\u7387\" class=\"uagb-toc-link__trigger\">\u6700\u4f731\u500b\u6708\u7f8e\u5143\u5b9a\u5b58\u5229\u7387<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u6700\u4f733\u500b\u6708\u7f8e\u5143\u5b9a\u5b58\u5229\u7387\" class=\"uagb-toc-link__trigger\">\u6700\u4f733\u500b\u6708\u7f8e\u5143\u5b9a\u5b58\u5229\u7387<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u6700\u4f736\u500b\u6708\u7f8e\u5143\u5b9a\u5b58\u5229\u7387\" class=\"uagb-toc-link__trigger\">\u6700\u4f736\u500b\u6708\u7f8e\u5143\u5b9a\u5b58\u5229\u7387<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u6700\u4f7312\u500b\u6708\u7f8e\u5143\u5b9a\u5b58\u5229\u7387\" class=\"uagb-toc-link__trigger\">\u6700\u4f7312\u500b\u6708\u7f8e\u5143\u5b9a\u5b58\u5229\u7387<\/a><\/li><\/ul><\/li><li class=\"uagb-toc__list\"><a href=\"#syfe-\u5b9a\u606f\u5bf6\u7f8e\u5143\u50b3\u7d71\u5b9a\u5b58\u4ee5\u5916\u7684\u512a\u8cea\u9078\u64c7\" class=\"uagb-toc-link__trigger\">Syfe \u5b9a\u606f\u5bf6(\u7f8e\u5143)\uff1a\u50b3\u7d71\u5b9a\u5b58\u4ee5\u5916\u7684\u512a\u8cea\u9078\u64c7<\/a><li class=\"uagb-toc__list\"><a href=\"#\u5982\u4f55\u9078\u64c7\u6700\u9069\u5408\u7684\u5b9a\u671f\u5b58\u6b3e\" class=\"uagb-toc-link__trigger\">\u5982\u4f55\u9078\u64c7\u6700\u9069\u5408\u7684\u5b9a\u671f\u5b58\u6b3e<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u77ed\u671f\u8cc7\u91d1\u589e\u503c\u7b56\u7565\" class=\"uagb-toc-link__trigger\">\u77ed\u671f\u8cc7\u91d1\u589e\u503c\u7b56\u7565<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u7f8e\u5143\u5b9a\u5b58\u5e38\u898b\u554f\u984c\" class=\"uagb-toc-link__trigger\">\u7f8e\u5143\u5b9a\u5b58\u5e38\u898b\u554f\u984c<\/a><\/ul><\/ul><\/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>2026\u5e744\u6708\u9999\u6e2f\u7f8e\u5143\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\u8b8a\u5316\u5206\u6790<\/strong><\/h2>\n\n\n\n<p>\u96d6\u7136\u91d1\u878d\u5e02\u5834\u9810\u671f\u806f\u5132\u5c40\u57282026\u5e74\u5167\u4ecd\u518d\u6a5f\u6703\u6e1b\u606f\uff0c\u4f46\u7bc0\u594f\u4e0d\u5feb\u3001\u5c6c\u6eab\u548c\u504f\u5bec\u9b06\u8def\u5f91\uff0c\u6240\u4ee5\u9280\u884c\u672a\u898b\u4e00\u4e0b\u5b50\u5927\u5e45\u524a\u6e1b\u5b9a\u5b58\u5229\u606f\uff0c\u800c\u662f\u4e4b\u5f8c\u518d\u6162\u6162\u8ddf\u96a8\u74b0\u7403\u5229\u7387\u4e0b\u8abf\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u70ba\u4f55\u9078\u64c7\u7f8e\u5143\u5b9a\u671f\u5b58\u6b3e\uff1f<\/strong><\/h2>\n\n\n\n<p>\u5728\u9999\u6e2f\uff0c\u7f8e\u5143\u5b9a\u671f\u5b58\u6b3e\u901a\u5e38\u63d0\u4f9b\u6bd4\u6e2f\u5143\u5b9a\u671f\u5b58\u6b3e\u66f4\u9ad8\u7684\u606f\u7387\uff0c\u4e26\u4e14\u8003\u616e\u5230\u4ee5\u4e0b\u56e0\u7d20\uff0c\u9078\u64c7\u7f8e\u5143\u88ab\u8996\u70ba\u4e00\u500b\u4e0d\u932f\u7684\u6c7a\u5b9a\uff08\u6309\u6b64\u4e86\u89e3\uff1a<a href=\"https:\/\/www.syfe.com\/hk\/cash-plus-fixed\">\u6e2f\u5143\u5b9a\u671f\u5b58\u6b3e\u6295\u8cc7\u670d\u52d9<\/a>\uff09<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u8f03\u9ad8\u5229\u7387<\/strong>\uff1a\u7f8e\u5143\u5b58\u6b3e\u901a\u5e38\u80fd\u63d0\u4f9b\u6bd4\u6e2f\u5143\u66f4\u9ad8\u7684\u5229\u606f\u56de\u5831<\/li>\n\n\n\n<li><strong>\u532f\u7387\u98a8\u96aa\u8f03\u4f4e<\/strong>\uff1a\u7531\u65bc\u6e2f\u5143\u8207\u7f8e\u5143\u639b\u920e\uff0c\u7f8e\u5143\u5b9a\u671f\u5b58\u6b3e\u76f8\u6bd4\u5176\u4ed6\u5916\u5e63\u5b58\u6b3e\uff0c\u532f\u7387\u98a8\u96aa\u986f\u8457\u964d\u4f4e<\/li>\n\n\n\n<li><strong>\u6295\u8cc7\u591a\u5143\u5316<\/strong>\uff1a\u6301\u6709\u90e8\u5206\u7f8e\u5143\u8cc7\u7522\u53ef\u4ee5\u5206\u6563\u6295\u8cc7\u7d44\u5408\u98a8\u96aa<\/li>\n\n\n\n<li><strong>\u5168\u7403\u901a\u7528<\/strong>\uff1a\u7f8e\u5143\u4f5c\u70ba\u4e3b\u8981\u570b\u969b\u8ca8\u5e63\uff0c\u6d41\u901a\u6027\u9ad8\u4e14\u6613\u65bc\u4f7f\u7528<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u9999\u6e2f10\u5927\u9280\u884c\u7f8e\u5143\u5b9a\u5b58\u6bd4\u8f03\u8868<\/strong>\uff084\u6708\u66f4\u65b0\uff09<\/h2>\n\n\n\n<p>\u6839\u64da2026\u5e744\u6708\u6700\u65b0\u6578\u64da\uff0c\u4ee5\u4e0b\u662f\u9999\u6e2f\u5341\u5927\u6301\u724c\u9280\u884c\uff08\u6309\u7e3d\u8cc7\u7522\u6392\u540d\uff09\u7684\u7f8e\u5143\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\u6bd4\u8f03\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"843\" height=\"771\" src=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/03\/\u87a2\u5e55\u622a\u5716-2026-04-16-22.48.29.png\" alt=\"\" class=\"wp-image-8794\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/03\/\u87a2\u5e55\u622a\u5716-2026-04-16-22.48.29.png 843w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/03\/\u87a2\u5e55\u622a\u5716-2026-04-16-22.48.29-300x274.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/03\/\u87a2\u5e55\u622a\u5716-2026-04-16-22.48.29-768x702.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/03\/\u87a2\u5e55\u622a\u5716-2026-04-16-22.48.29-459x420.png 459w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/03\/\u87a2\u5e55\u622a\u5716-2026-04-16-22.48.29-696x637.png 696w\" sizes=\"auto, (max-width: 843px) 100vw, 843px\" \/><\/figure>\n\n\n\n<p><sub>\u7f8e\u5143\u5b9a\u5b58\u5229\u7387\uff0c\u6578\u64da\u622a\u81f32026\u5e744\u670815\u65e5<\/sub><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u6700\u4f731\u500b\u6708\u7f8e\u5143\u5b9a\u5b58\u5229\u7387<\/strong><\/h3>\n\n\n\n<p>\u76ee\u524d\u9999\u6e2f\u7684\u9280\u884c\u57281\u500b\u6708\u671f\u7f8e\u5143\u5b9a\u671f\u65b9\u9762\uff0c\u50b3\u7d71\u9280\u884c\u4e2d\u7684<a href=\"https:\/\/www.etnet.com.hk\/www\/tc\/forex\/deposit-rate.php?currency=usd&amp;bank=4&amp;platform=%E5%88%86%E8%A1%8C,%E7%B6%B2%E4%B8%8A%E9%8A%80%E8%A1%8C,%E6%87%89%E7%94%A8%E7%A8%8B%E5%BC%8F,%E9%9B%BB%E8%A9%B1%E7%90%86%E8%B2%A1&amp;show-interest=Y\">\u5efa\u884c\u4e9e\u5dde<\/a>\u63d0\u4f9b3.45%\uff08\u6700\u4f4e\u5b58\u6b3eUSD 10,000\uff0c\u65b0\u8cc7\u91d1\u7db2\u4e0a\u9650\u5b9a\uff09\uff0c\u800c<a href=\"https:\/\/www.ncb.com.hk\/nanyang_bank\/popup1\/deposit_e.html\">\u5357\u6d0b\u5546\u696d\u9280\u884c<\/a>\u4ea6\u63d0\u4f9b3.30%\u7684\u5e74\u5229\u7387\uff08\u6700\u4f4e\u5b58\u6b3eUSD 13,000\uff0c\u65b0\u8cc7\u91d1\u9650\u5b9a\uff09\uff0cSyfe\u76841\u500b\u671f\u6295\u8cc7\u670d\u52d9\u5e74\u5316\u5b9a\u671f\u56de\u5831\u7387\u90543.4%\uff0c\u4e0d\u8a2d\u6700\u4f4e\u5b58\u6b3e\u91d1\u984d\u4e14\u53ef\u81ea\u52d5\u518d\u6295\u8cc7\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u6700\u4f733\u500b\u6708\u7f8e\u5143\u5b9a\u5b58\u5229\u7387<\/strong><\/h3>\n\n\n\n<p>\u50b3\u7d71\u9280\u884c\u4e2d\u7684<a href=\"https:\/\/cms.hangseng.com\/cms\/emkt\/pmo\/grp06\/p04\/chi\/index.html\">\u6052\u751f\u9280\u884c<\/a>\u3001<a href=\"https:\/\/www.icbcasia.com\/hk\/tc\/personal\/latest-promotion\/online-time-deposit.html\">ICBC \u5de5\u9280\u4e9e\u5dde<\/a>\u3001<a href=\"https:\/\/www.hkbea.com\/html\/tc\/bea-personal-banking-supremegold-time-deposit.html\">\u6771\u4e9e\u9280\u884c<\/a>\u53ca<a href=\"https:\/\/www.dbs.com.hk\/personal\/promotion\/OnlineTD-promo\">\u661f\u5c55\u9280\u884c<\/a>\u5747\u63d0\u4f9b\u4ecb\u4e4e3.3\uff05\u81f33.4%\u76843\u500b\u6708\u671f\u7f8e\u5143\u5b9a\u5b58\u5229\u7387\uff0c\u4f46\u6700\u4f4e\u5b58\u6b3e\u5c11\u52472,000\u7f8e\u5143\u3001\u591a\u524713,000\u7f8e\u5143\u3002Syfe\u76843\u500b\u6708\u671f\u6295\u8cc7\u670d\u52d9\u5e74\u5316\u5b9a\u671f\u56de\u5831\u7387\u90543.5%\uff0c\u4e0d\u8a2d\u6700\u4f4e\u5b58\u6b3e\u91d1\u984d\u4e14\u53ef\u81ea\u52d5\u518d\u6295\u8cc7\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u6700\u4f736\u500b\u6708\u7f8e\u5143\u5b9a\u5b58\u5229\u7387<\/strong><\/h3>\n\n\n\n<p>\u50b3\u7d71\u9280\u884c\u76846\u500b\u6708\u7f8e\u5143\u5b9a\u5b58\u5229\u7387\u6700\u9ad8\u70ba<a href=\"https:\/\/www.ncb.com.hk\/nanyang_bank\/popup1\/deposit_e.html\"><\/a><a href=\"https:\/\/www.icbcasia.com\/hk\/tc\/personal\/latest-promotion\/online-time-deposit.html\">ICBC \u5de5\u9280\u4e9e\u5dde<\/a>\uff0c\u63d0\u4f9b3.40%\u7684\u5e74\u5229\u606f\u3002Syfe\u76846\u500b\u671f\u6295\u8cc7\u670d\u52d9\u5e74\u5316\u5b9a\u671f\u56de\u5831\u7387\u90543.56%\uff0c\u4e0d\u8a2d\u6700\u4f4e\u5b58\u6b3e\u91d1\u984d\u4e14\u53ef\u81ea\u52d5\u518d\u6295\u8cc7\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u6700\u4f7312\u500b\u6708\u7f8e\u5143\u5b9a\u5b58\u5229\u7387<\/strong><\/h3>\n\n\n\n<p>\u5c0d\u65bc\u6709\u610f\u627f\u9020\u8f03\u9577\u671f\u5b9a\u5b58\u7684\u6295\u8cc7\u8005\uff0c12\u500b\u6708\u671f\u7f8e\u5143\u5b9a\u5b58\u5728<a href=\"https:\/\/www.hsbc.com.hk\/zh-hk\/accounts\/offers\/deposits\/#preferential-new-fund-time-deposit-offers\">\u6ed9\u8c50<\/a>\u90e8\u4efd\u985e\u578b\u5ba2\u6236\u3001<a href=\"https:\/\/www.sc.com\/hk\/zh\/deposits\/online-time-deposit\/\">\u6e23\u6253<\/a>\u3001<a href=\"https:\/\/www.hkbea.com\/html\/tc\/bea-personal-banking-supremegold-time-deposit.html\">\u6771\u4e9e<\/a>\u53ca<a href=\"https:\/\/www.dbs.com.hk\/personal\/promotion\/OnlineTD-promo\">\u661f\u5c55<\/a>\u5747\u5df2\u8dcc\u7a7f3\u5398\uff0c\u76ee\u524d\u6700\u9ad8\u5229\u7387\u7684\u662f<a href=\"https:\/\/www.icbcasia.com\/hk\/tc\/personal\/latest-promotion\/online-time-deposit.html\">ICBC \u5de5\u9280\u4e9e\u5dde<\/a>\u7684\u5ba2\u6236\uff0c10\u842c\u7f8e\u5143\u8cc7\u91d1\u900f\u904e\u624b\u6a5f\u9280\u884c\uff0f\u7db2\u4e0a\u9280\u884c\u627f\u902012\u500b\u6708\u671f\u7f8e\u5143\u5b9a\u5b58\u53ef\u73723.3\uff05\u5229\u7387\u3002\u81f3\u65bcSyfe\u6295\u8cc7\u670d\u52d9\u5247\u63d0\u4f9b3.75\uff05\u5e74\u5229\u7387\uff0c\u4e0d\u8a2d\u6700\u4f4e\u5b58\u6b3e\u9580\u6abb\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Syfe \u5b9a\u606f\u5bf6(\u7f8e\u5143)\uff1a\u50b3\u7d71\u5b9a\u5b58\u4ee5\u5916\u7684\u512a\u8cea\u9078\u64c7<\/strong><\/h2>\n\n\n\n<p>\u82e5\u8ffd\u6c42\u66f4\u9ad8\u7684\u7f8e\u5143\u56de\u5831\uff0c<a href=\"https:\/\/www.syfe.com\/hk\/cash-management\/cash-plus-fixed\">Syfe\u7684\u5b9a\u606f\u5bf6(\u7f8e\u5143)<\/a>\u6295\u8cc7\u670d\u52d9\u503c\u5f97\u8003\u616e\u3002\u5275\u81ea\u65b0\u52a0\u5761\u4e26\u65bc\u9999\u6e2f\u6301\u724c\u91d1\u878d\u79d1\u6280\u516c\u53f8\uff0dSyfe\u5176<a href=\"https:\/\/www.syfe.com\/hk\/cash-management\/cash-plus-fixed\">\u5b9a\u606f\u5bf6(\u7f8e\u5143)<\/a>\u57282026\u5e744\u6708\u63d0\u4f9b\u9ad8\u90543.7%\u7f8e\u5143\u56de\u5831\uff0c\u8f03\u50b3\u7d71\u9280\u884c\u7684\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\u70ba\u9ad8\u3002\u8207\u50b3\u7d71\u9280\u884c\u4e0d\u540c\uff0c\u5b9a\u606f\u5bf6\u5177\u5099\u4ee5\u4e0b\u7368\u7279\u512a\u52e2\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u66f4\u9ad8\u56de\u5831\u6f5b\u529b<\/strong>\uff1a\u56fa\u5b9a\u5e74\u5316\u56de\u5831<a href=\"https:\/\/www.syfe.com\/hk\/cash-management\/cash-plus-fixed\">3.70%<\/a><\/li>\n\n\n\n<li><strong>\u7121\u9580\u6abb<\/strong>\uff1a\u4e0d\u8a2d\u6700\u4f4e\u6295\u8cc7\u984d\uff0c\u9060\u4f4e\u65bc\u9280\u884c\u8981\u6c42\u76841,000-15,000\u7f8e\u5143<\/li>\n\n\n\n<li><strong>\u4e00\u500b\u5e73\u53f0\u7ba1\u7406<\/strong>\uff1a\u53ea\u9700\u900f\u904eSyfe\u61c9\u7528\u7a0b\u5f0f\uff0c\u5c31\u53ef\u7372\u5f97\u591a\u9593\u9280\u884c\u7684\u5b9a\u671f\u5b58\u6b3e\uff0c\u5f9e\u4e2d\u9078\u64c7\u6700\u4f73<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u5982\u4f55\u9078\u64c7\u6700\u9069\u5408\u7684\u5b9a\u671f\u5b58\u6b3e<\/strong><\/h2>\n\n\n\n<p>\u9078\u64c7\u5b9a\u671f\u5b58\u6b3e\u6642\uff0c\u61c9\u8003\u616e\u4ee5\u4e0b\u5e7e\u500b\u95dc\u9375\u56e0\u7d20\uff1a<\/p>\n\n\n\n<p><strong>1. \u6bd4\u8f03\u5229\u7387<\/strong><\/p>\n\n\n\n<p>\u4e0d\u540c\u9280\u884c\u63d0\u4f9b\u7684\u5229\u7387\u5dee\u7570\u53ef\u90540.4%\u751a\u81f3\u66f4\u9ad8\uff0c\u5373\u4f7f\u770b\u4f3c\u5fae\u5c0f\u7684\u5dee\u7570\uff0c\u9577\u671f\u7d2f\u7a4d\u4e0b\u4f86\u4e5f\u76f8\u7576\u53ef\u89c0\u3002\u4f8b\u5982\uff0c\u5b58\u516510,000\u7f8e\u5143\u65bc3.90%\u548c3.50%\u76843\u500b\u6708\u5b9a\u671f\u5b58\u6b3e\uff0c\u4e09\u500b\u6708\u5f8c\u7684\u5dee\u984d\u70ba10\u7f8e\u5143\u5de6\u53f3\u3002\u82e5\u6301\u7e8c\u6efe\u5b58\u4e00\u5e74\uff0c\u5dee\u984d\u5247\u63a5\u8fd140\u7f8e\u5143\u3002<\/p>\n\n\n\n<p><strong>2. \u6bd4\u8f03\u5b58\u6b3e\u8981\u6c42<\/strong><\/p>\n\n\n\n<p>\u6700\u4f4e\u5b58\u6b3e\u984d\u5f9e1,000\u7f8e\u5143\u81f315,000\u7f8e\u5143\u4e0d\u7b49\uff0c\u61c9\u6839\u64da\u81ea\u8eab\u8cc7\u91d1\u72c0\u6cc1\u9078\u64c7\u5408\u9069\u7684\u9280\u884c\u3002\u6b64\u5916\uff0c\u7559\u610f\u9280\u884c\u5c0d\u300c\u65b0\u8cc7\u91d1\u300d\u7684\u5b9a\u7fa9\uff0c\u67d0\u4e9b\u512a\u60e0\u5229\u7387\u53ef\u80fd\u50c5\u9069\u7528\u65bc\u5168\u65b0\u6ce8\u5165\u7684\u8cc7\u91d1\u3002<\/p>\n\n\n\n<p><strong>3. \u6bd4\u8f03\u5b58\u6b3e\u671f<\/strong><\/p>\n\n\n\n<p>\u6839\u64da\u4f60\u7684\u8cc7\u91d1\u9700\u6c42\u548c\u5e02\u5834\u9810\u671f\u9078\u64c7\u9069\u7576\u7684\u5b58\u6b3e\u671f\u9650\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u77ed\u671f\uff081\u500b\u6708\u4ee5\u5167\uff09<\/strong>\uff1a\u9069\u5408\u96a8\u6642\u53ef\u80fd\u9700\u8981\u4f7f\u7528\u7684\u8cc7\u91d1<\/li>\n\n\n\n<li><strong>\u4e2d\u671f\uff083-6\u500b\u6708\uff09<\/strong>\uff1a\u9069\u5408\u4e2d\u671f\u898f\u5283\u7684\u8cc7\u91d1<\/li>\n\n\n\n<li><strong>\u9577\u671f\uff0812\u500b\u6708\u6216\u4ee5\u4e0a\uff09<\/strong>\uff1a\u9069\u5408\u9577\u671f\u4e0d\u9700\u52d5\u7528\u7684\u8cc7\u91d1<\/li>\n<\/ul>\n\n\n\n<p><strong>4. \u624b\u7e8c\u8cbb<\/strong><\/p>\n\n\n\n<p>\u5927\u591a\u6578\u9280\u884c\u4e0d\u6703\u5c0d\u5b9a\u671f\u5b58\u6b3e\u6536\u53d6\u958b\u6236\u6216\u7ba1\u7406\u8cbb\u7528\uff0c\u4f46\u63d0\u524d\u63d0\u6b3e\u53ef\u80fd\u5c0e\u81f4\u5229\u606f\u640d\u5931\u6216\u9700\u652f\u4ed8\u7f70\u6b3e\u3002\u5728\u958b\u7acb\u5b9a\u671f\u5b58\u6b3e\u524d\uff0c\u61c9\u8a73\u7d30\u4e86\u89e3\u76f8\u95dc\u689d\u6b3e\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u77ed\u671f\u8cc7\u91d1\u589e\u503c\u7b56\u7565<\/strong><\/h3>\n\n\n\n<p>\u5982\u679c\u4f60\u624b\u4e0a\u6709\u4e00\u7b46\u8cc7\u91d1\uff0c\u4f46\u5c1a\u672a\u6c7a\u5b9a\u4e0b\u4e00\u500b\u6295\u8cc7\u65b9\u5411\uff0c\u53ef\u8003\u616e\u4ee5\u4e0b\u7b56\u7565\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u968e\u68af\u5f0f\u5b58\u6b3e<\/strong>\uff1a\u5c07\u8cc7\u91d1\u5206\u6563\u65bc7\u5929\u30011\u500b\u6708\u548c3\u500b\u6708\u5b9a\u671f\u5b58\u6b3e\uff0c\u65e2\u80fd\u4fdd\u6301\u4e00\u5b9a\u6d41\u52d5\u6027\uff0c\u53c8\u80fd\u7372\u53d6\u8f03\u9ad8\u5229\u606f<\/li>\n\n\n\n<li><strong>\u6efe\u5b58\u7b56\u7565<\/strong>\uff1a\u8a2d\u7f6e\u81ea\u52d5\u6efe\u5b58\u6307\u793a\uff0c\u5728\u5b9a\u671f\u5230\u671f\u5f8c\u81ea\u52d5\u5ef6\u7e8c\uff0c\u907f\u514d\u8cc7\u91d1\u9592\u7f6e\u65bc\u4f4e\u606f\u7684\u6d3b\u671f\u8cec\u6236<\/li>\n\n\n\n<li><strong>\u5206\u6563\u5b58\u6b3e<\/strong>\uff1a\u5728\u50b3\u7d71\u9280\u884c\u5b9a\u671f\u5b58\u6b3e\u548cSyfe\u7b49\u5275\u65b0\u5e73\u53f0\u9593\u5206\u6563\u6295\u8cc7\uff0c\u5e73\u8861\u98a8\u96aa\u8207\u56de\u5831<\/li>\n\n\n\n<li><strong>\u6df7\u5408\u914d\u7f6e<\/strong>\uff1a\u5c07\u90e8\u5206\u8cc7\u91d1\u914d\u7f6e\u65bc\u9ad8\u6d41\u52d5\u6027\u7684\u77ed\u671f\u5b9a\u5b58\uff0c\u540c\u6642\u5c07\u4e2d\u9577\u671f\u8cc7\u91d1\u6295\u5165Syfe HK\u7684\u56fa\u5b9a\u6536\u76ca\u65b9\u6848\uff0c\u517c\u9867\u6d41\u52d5\u6027\u548c\u66f4\u9ad8\u6f5b\u5728\u56de\u5831<\/li>\n<\/ol>\n\n\n\n<p>\u6b64\u7b56\u7565\u8b93\u4f60\u5728\u5c0b\u627e\u6295\u8cc7\u6a5f\u6703\u7684\u540c\u6642\u4ecd\u80fd\u7372\u53d6\u7a69\u5b9a\u7684\u5229\u606f\u6536\u5165\uff0c\u907f\u514d\u8cc7\u91d1\u9592\u7f6e\u8cb6\u503c\u3002<\/p>\n\n\n\n<p><strong>\u9999\u6e2f\u5b9a\u671f\u5b58\u6b3e\u6bd4\u8f03\u8cc7\u8a0a\u7cfb\u5217\uff1a<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\/%E6%B8%AF%E5%85%83-%E5%AE%9A%E6%9C%9F-%E5%AD%98%E6%AC%BE\/\">\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>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/2025%e5%b9%b46%e6%9c%88%ef%bc%9a%e9%a6%99%e6%b8%af%e4%ba%ba%e6%b0%91%e5%b9%a3%e5%ae%9a%e6%9c%9f%e5%ad%98%e6%ac%be%e6%9c%80%e9%ab%98%e5%88%a9%e7%8e%87%e4%b8%80%e8%a6%bd-%e6%b8%af%e5%85%83%e5%ae%9a\/\">\u9999\u6e2f\u4eba\u6c11\u5e63\u5b9a\u671f\u5b58\u6b3e<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/best-usd-time-deposit-rate-hong-kong\/\">USD Fixed Deposit Rates<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E5%96%AE-%E8%A4%87-%E5%88%A9%E6%81%AF-%E6%9C%AC%E5%88%A9%E5%92%8C-%E5%88%A9%E7%8E%87-%E8%A8%88%E7%AE%97-%E5%85%AC%E5%BC%8F\/\">\u55ae\u5229\u606f\u8207\u8907\u5229\u606f\u7684\u8a08\u7b97\u516c\u5f0f\u6709\u4ec0\u9ebc\u5206\u5225\uff1f<\/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\/\">\u6700\u512a\u60e0\u5229\u7387<\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u7f8e\u5143\u5b9a\u5b58\u5e38\u898b\u554f\u984c<\/strong><\/h4>\n\n\n\n<p><strong>Q1: \u7f8e\u5143\u5b9a\u671f\u5b58\u6b3e\u6709\u532f\u7387\u98a8\u96aa\u55ce\uff1f<\/strong><\/p>\n\n\n\n<p>A1: \u7531\u65bc\u6e2f\u5143\u8207\u7f8e\u5143\u639b\u920e\uff087.75-7.85\u6e2f\u5143\u514c1\u7f8e\u5143\uff09\uff0c\u7f8e\u5143\u5b9a\u671f\u5b58\u6b3e\u7684\u532f\u7387\u98a8\u96aa\u76f8\u5c0d\u5176\u4ed6\u5916\u5e63\u5b58\u6b3e\u8f03\u4f4e\uff0c\u4f46\u4ecd\u5b58\u5728\u5c0f\u5e45\u6ce2\u52d5\u7684\u53ef\u80fd\u3002<br><strong>\u66f4\u591a\u76f8\u95dc\u8cc7\u8a0a\uff1a<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\/\">\u89e3\u69cb\u6e2f\u5143\u4e00\u65e6\u8207\u7f8e\u5143\u812b\u52fe\u7684\u5f8c\u679c<\/a><\/strong><\/p>\n\n\n\n<p><strong>Q2: \u5b9a\u671f\u5b58\u6b3e\u63d0\u524d\u53d6\u6b3e\u6703\u6709\u4ec0\u9ebc\u5f8c\u679c\uff1f<\/strong><\/p>\n\n\n\n<p>A2: \u5927\u591a\u6578\u9280\u884c\u5141\u8a31\u63d0\u524d\u53d6\u6b3e\uff0c\u4f46\u53ef\u80fd\u6703\u964d\u4f4e\u5229\u7387\u81f3\u6d3b\u671f\u5b58\u6b3e\u6c34\u5e73\uff0c\u6216\u6536\u53d6\u4e00\u5b9a\u6bd4\u4f8b\u7684\u624b\u7e8c\u8cbb\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0cSyfe HK\u7684\u56fa\u5b9a\u6536\u76ca\u65b9\u6848\u901a\u5e38\u63d0\u4f9b\u66f4\u9748\u6d3b\u7684\u8cc7\u91d1\u5b58\u53d6\u9078\u9805\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" 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