{"id":6410,"date":"2026-03-17T23:17:25","date_gmt":"2026-03-17T15:17:25","guid":{"rendered":"https:\/\/www.syfe.com\/hk\/magazine\/?p=6410"},"modified":"2026-03-17T23:20:17","modified_gmt":"2026-03-17T15:20:17","slug":"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","status":"publish","type":"post","link":"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\/","title":{"rendered":"2026\u5e743\u6708\u66f4\u65b0\uff5c\u9999\u6e2f\u4e3b\u6d41\u9280\u884c\u4eba\u6c11\u5e63\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\u6392\u884c\u699c\uff01"},"content":{"rendered":"\n<p><strong>\u8fd1\u5e74\u6e2f\u4eba\u8208\u8d77\u5317\u4e0a\u6d88\u8cbb\uff0c\u624b\u4e0a\u6216\u591a\u6216\u5c11\u6301\u6709\u4eba\u6c11\u5e63\uff0c\u4ee4\u5e02\u6c11\u91cd\u65b0\u7559\u610f\u4eba\u6c11\u5e63\u5b9a\u5b58\u3002\u672c\u6587\u641c\u96c6\u9999\u6e2f10\u9593\u4e3b\u6d41\u9280\u884c\u7684\u4eba\u6c11\u5e63\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\uff0c\u518d\u5c07\u56db\u5927\u884c\u6ed9\u8c50\u9280\u884c\u3001\u4e2d\u570b\u9280\u884c\uff08\u9999\u6e2f\uff09\u3001\u6e23\u6253\u9280\u884c\u53ca\u6052\u751f\u9280\u884c\u2014\u76843\u500b\u6708\u6e2f\u5143\u53ca\u4eba\u6c11\u5e63\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\u4f5c\u51fa\u6bd4\u8f03\uff0c\u5206\u6790\u8fd1\u671f\u6e2f\u5143\u8207\u4eba\u6c11\u5e63\u5b9a\u5b58\u54ea\u500b\u8f03\u4f73\u3002<\/strong><\/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-d6b47816      \"\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\t\u4eba\u6c11\u5e63\u5b9a\u5b58\u6bd4\u8f03\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=\"#\u9999\u6e2f10\u5927\u9280\u884c\u6bd4\u4f75\u54ea\u9593\u9280\u884c\u4eba\u6c11\u5e63\u5b9a\u5b58\u5229\u7387\u9ad82026\u5e743\u670817\u65e5\" class=\"uagb-toc-link__trigger\">\u9999\u6e2f10\u5927\u9280\u884c\u6bd4\u4f75\uff1a\u54ea\u9593\u9280\u884c\u4eba\u6c11\u5e63\u5b9a\u5b58\u5229\u7387\u9ad8\uff1f\uff082026\u5e743\u670817\u65e5\uff09<\/a><li class=\"uagb-toc__list\"><a href=\"#\u5982\u4f55\u9078\u64c7\u6700\u4f73\u4eba\u6c11\u5e63\u5b9a\u671f\u5b58\u6b3e\" class=\"uagb-toc-link__trigger\">\u5982\u4f55\u9078\u64c7\u6700\u4f73\u4eba\u6c11\u5e63\u5b9a\u671f\u5b58\u6b3e<\/a><li class=\"uagb-toc__list\"><a href=\"#\u56db\u5927\u767c\u9214\u884c\u6e2f\u5143\u8207\u4eba\u6c11\u5e633\u500b\u6708\u5b9a\u671f\u5b58\u6b3e\u5229\u73872026\u5e743\u670817\u65e5\u66f4\u65b0\" class=\"uagb-toc-link__trigger\">\u56db\u5927\u767c\u9214\u884c\uff1a\u6e2f\u5143\u8207\u4eba\u6c11\u5e633\u500b\u6708\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\uff082026\u5e743\u670817\u65e5\u66f4\u65b0\uff09<\/a><li class=\"uagb-toc__list\"><a href=\"#\u4e0d\u65b7\u66f4\u65b0\u9999\u6e2f\u5b9a\u671f\u5b58\u6b3e\u76f8\u95dc\u8cc7\u8a0a\" class=\"uagb-toc-link__trigger\">\u4e0d\u65b7\u66f4\u65b0\uff5c\u9999\u6e2f\u5b9a\u671f\u5b58\u6b3e\u76f8\u95dc\u8cc7\u8a0a<\/a><\/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>\u9999\u6e2f10\u5927\u9280\u884c\u6bd4\u4f75\uff1a\u54ea\u9593\u9280\u884c\u4eba\u6c11\u5e63\u5b9a\u5b58\u5229\u7387\u9ad8\uff1f\uff082026\u5e743\u670817\u65e5\uff09<\/strong><\/h2>\n\n\n\n<p>\u4e0b\u8868\u5217\u51fa\u9999\u6e2f\u5341\u5927\u50b3\u7d71\u9280\u884c\u7684\u4eba\u6c11\u5e63\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\uff0c\u6578\u64da\u4f86\u81ea\u5b98\u65b9\u7db2\u7ad9\u53ca\u63d0\u4f9b\u7684\u6587\u4ef6\u3002\u5229\u7387\u70ba\u5e74\u5316\uff08p.a.\uff09\uff0c\u53ef\u80fd\u56e0\u5e02\u5834\u8b8a\u5316\u800c\u8abf\u6574\uff0c\u5efa\u8b70\u5b58\u6b3e\u524d\u5411\u9280\u884c\u78ba\u8a8d\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"844\" height=\"731\" src=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u87a2\u5e55\u622a\u5716-2026-03-17-23.16.37.png\" alt=\"\" class=\"wp-image-8471\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u87a2\u5e55\u622a\u5716-2026-03-17-23.16.37.png 844w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u87a2\u5e55\u622a\u5716-2026-03-17-23.16.37-300x260.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u87a2\u5e55\u622a\u5716-2026-03-17-23.16.37-768x665.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u87a2\u5e55\u622a\u5716-2026-03-17-23.16.37-485x420.png 485w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u87a2\u5e55\u622a\u5716-2026-03-17-23.16.37-696x603.png 696w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u87a2\u5e55\u622a\u5716-2026-03-17-23.16.37-534x462.png 534w\" sizes=\"auto, (max-width: 844px) 100vw, 844px\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u6700\u9ad8\u5229\u7387<\/strong>\uff1a<a href=\"https:\/\/www.hkbea.com\/html\/tc\/bea-personal-banking-supremegold-time-deposit.html\"><\/a><a href=\"https:\/\/www.bochk.com\/whk\/rates\/depositRates\/depositRates-input.action\">\u4e2d\u570b\u9280\u884c\uff08BOCHK\uff09<\/a>(<strong>\u300c\u79c1\u4eba\u8ca1\u5bcc\u300d\/\u300c\u4e2d\u9280\u7406\u8ca1\u300d)<\/strong>\u76843\u500b\u6708\u53ca6\u500b\u6708\u4eba\u6c11\u5e63\u5b9a\u5b58\u5229\u7387\u5206\u5225\u90541.4%\u53ca1.45\uff05\uff0c\u4e0d\u904e\u300c\u667a\u76c8\u7406\u8ca1\u300d\/\u300c\u81ea\u5728\u7406\u8ca1\u300d\/ \u5176\u4ed6\u500b\u4eba\u5ba2\u6236\u5ba2\u6236\u5247\u67091.2\uff05\u53ca1.25\uff05\uff0c\u4e14\u9700\u8981\u7d93\u7db2\u4e0a\u9280\u884c\u6216\u624b\u6a5f\u9280\u884c\u4e26\u7b26\u5408\u300c\u5408\u8cc7\u683c\u65b0\u8cc7\u91d1\u7d50\u9918\u300d<\/li>\n\n\n\n<li><strong>\u6700\u4f4e\u5b58\u6b3e\u984d<\/strong>\uff1a\u5927\u90e8\u5206\u9280\u884c\u8981\u6c4210,000\u81f350,000\u4eba\u6c11\u5e63\uff0c<a href=\"https:\/\/www.asia.ccb.com\/hongkong_tc\/personal\/accounts\/dep_rates.html\">\u5efa\u8a2d\u9280\u884c\uff08\u4e9e\u6d32\uff09\uff08CCB Asia\uff09<\/a> 3\u500b\u6708\u65b0\u8cc7\u91d1\u5b9a\u671f\u5b58\u6b3e\u63a8\u5ee3\u512a\u60e0\u751a\u81f3\u8a2d\u6709\u6700\u5c1150\u842c\u5143\u7684\u9580\u6abb<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u5982\u4f55\u9078\u64c7\u6700\u4f73\u4eba\u6c11\u5e63\u5b9a\u671f\u5b58\u6b3e<\/h2>\n\n\n\n<p>\u9078\u64c7\u4eba\u6c11\u5e63\u5b9a\u671f\u5b58\u6b3e\u6642\uff0c\u8003\u616e\u4ee5\u4e0b\u56e0\u7d20\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u5229\u7387<\/strong>\uff1a\u6bd4\u8f03\u4e0d\u540c\u671f\u9650\u7684\u5229\u7387\uff0c\u540c\u6642\u865b\u64ec\u9280\u884c\u6216\u63d0\u4f9b\u66f4\u9ad8\u56de\u5831<\/li>\n\n\n\n<li><strong>\u6700\u4f4e\u5b58\u6b3e\u984d<\/strong>\uff1a\u78ba\u4fdd\u7b26\u5408\u6700\u4f4e\u5b58\u6b3e\u8981\u6c42<\/li>\n\n\n\n<li><strong>\u63a8\u5ee3\u512a\u60e0<\/strong>\uff1a\u7559\u610f\u9650\u6642\u512a\u60e0<\/li>\n\n\n\n<li><strong>\u532f\u7387\u98a8\u96aa<\/strong>\uff1a\u4eba\u6c11\u5e63\u5b58\u6b3e\u53d7\u532f\u7387\u6ce2\u52d5\u5f71\u97ff\uff0c\u514c\u63db\u6e2f\u5143\u6216\u5176\u4ed6\u8ca8\u5e63\u6642\u53ef\u80fd\u6709\u640d\u5931<\/li>\n\n\n\n<li><strong>\u5b89\u5168\u6027<\/strong>\uff1a\u6240\u6709\u5217\u660e\u9280\u884c\u53d7\u9999\u6e2f\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\u4fdd\u8b77\uff08\u6bcf\u4f4d\u5b58\u6b3e\u4eba\u6700\u9ad880\u842c\u6e2f\u5143\uff09<\/li>\n<\/ol>\n\n\n\n<p><strong>\u66f4\u591a\u61f6\u4eba\u5305\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E9%9B%A2%E5%B2%B8-%E5%9C%A8%E5%B2%B8-%E7%BE%8E%E5%85%83-%E5%85%8C-%E4%BA%BA%E6%B0%91%E5%B9%A3-%E5%8C%AF%E7%8E%87-%E5%88%86%E5%88%A5-%E6%84%8F%E6%80%9D-%E6%98%AF%E4%BB%80%E9%BA%BC\/\"><strong>\u96e2\u5cb8\u4eba\u6c11\u5e63\u8207\u5728\u5cb8\u4eba\u6c11\u5e63\u5206\u5225<\/strong><\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E9%BB%9E%E5%BF%83-%E5%82%B5-%E7%86%8A%E8%B2%93-%E5%82%B5\/\">\u96e2\u5cb8\u4eba\u6c11\u5e63\u50b5\u5238\u9ede\u89e3\u4f62\u53eb\u300c\u9ede\u5fc3\u50b5\u300d\uff1f<\/a><strong>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%9f%8e-%e6%8a%95-%e5%82%b5\/\">\u57ce\u6295\u50b5<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u56db\u5927\u767c\u9214\u884c\uff1a\u6e2f\u5143\u8207\u4eba\u6c11\u5e633\u500b\u6708\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\uff082026\u5e743\u670817\u65e5\u66f4\u65b0\uff09<\/strong><\/h2>\n\n\n\n<p>\u4e0b\u8868\u5217\u51fa<a href=\"https:\/\/www.business.hsbc.com.hk\/en-gb\/regulations\/deposit-rates\">\u6ed9\u8c50\u9280\u884c<\/a>\u3001<a href=\"https:\/\/www.bochk.com\/whk\/rates\/depositRates\/depositRates-input.action\">\u4e2d\u570b\u9280\u884c\uff08\u9999\u6e2f\uff09<\/a>\u3001<a href=\"https:\/\/www.sc.com\/hk\/zh\/deposits\/online-time-deposit\/\">\u6e23\u6253\u9280\u884c<\/a>\u53ca<a href=\"https:\/\/cms.hangseng.com\/cms\/emkt\/pmo\/grp06\/p04\/chi\/index.html\">\u6052\u751f\u9280\u884c<\/a>\u76843\u500b\u6708\u6e2f\u5143\u53ca\u4eba\u6c11\u5e63\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\uff0c\u6578\u64da\u4f86\u81ea2026\u5e742\u670816\u65e5\u5b98\u65b9\u7db2\u7ad9\u7684\u6700\u65b0\u8cc7\u8a0a\u3002\u5229\u7387\u70ba\u5e74\u5316\uff08p.a.\uff09\uff0c\u53ef\u80fd\u56e0\u63a8\u5ee3\u512a\u60e0\u3001\u6700\u4f4e\u5b58\u6b3e\u984d\u6216\u5ba2\u6236\u985e\u578b\uff08\u4f8b\u5982\u512a\u5148\u7406\u8ca1\u5ba2\u6236\uff09\u800c\u7570\uff0c\u5efa\u8b70\u5b58\u6b3e\u524d\u5411\u9280\u884c\u78ba\u8a8d\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"832\" height=\"209\" src=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u87a2\u5e55\u622a\u5716-2026-03-17-23.16.52.png\" alt=\"\" class=\"wp-image-8473\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u87a2\u5e55\u622a\u5716-2026-03-17-23.16.52.png 832w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u87a2\u5e55\u622a\u5716-2026-03-17-23.16.52-300x75.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u87a2\u5e55\u622a\u5716-2026-03-17-23.16.52-768x193.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u87a2\u5e55\u622a\u5716-2026-03-17-23.16.52-696x175.png 696w\" sizes=\"auto, (max-width: 832px) 100vw, 832px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e0d\u65b7\u66f4\u65b0\uff5c\u9999\u6e2f\u5b9a\u671f\u5b58\u6b3e\u76f8\u95dc\u8cc7\u8a0a<\/h2>\n\n\n\n<p><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\/\"><strong>\u9999\u6e2f\u9ad8\u606f\u5132\u755c\u6236\u53e3<\/strong><\/a><strong>\uff5c<\/strong><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\/\"><strong>\u6e2f\u5143\u65b0\u8cc7\u91d1\u5b9a\u5b58\u5229\u606f\u6bd4\u8f03<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/usd-time-deposit\/\"><strong>\u9999\u6e2f\u7f8e\u5143\u5b9a\u5b58\u6bd4\u8f03<\/strong><\/a><strong>\uff5c<\/strong><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\/\"><\/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<\/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><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/best-usd-time-deposit-rate-hong-kong\/\"><strong>USD Fixed Deposit Rates<\/strong><\/a><strong>\uff5c<\/strong><a 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