{"id":7902,"date":"2026-05-31T23:00:08","date_gmt":"2026-05-31T15:00:08","guid":{"rendered":"https:\/\/www.syfe.com\/hk\/magazine\/?p=7902"},"modified":"2026-05-07T15:12:26","modified_gmt":"2026-05-07T07:12:26","slug":"%e9%9b%b6-%e5%ad%98-%e6%95%b4-%e4%bb%98","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%9b%b6-%e5%ad%98-%e6%95%b4-%e4%bb%98\/","title":{"rendered":"\u8001\u6d3e\u5132\u9322\u5de5\u5177\u4ecb\u7d39\uff5c\u9999\u6e2f6\u9593\u50b3\u7d71\u9280\u884c\u96f6\u5b58\u6574\u4ed8\u670d\u52d9\u5927\u6bd4\u62fc\uff01"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/\u96f6-\u5b58-\u6574-\u4ed8-1024x576.png\" alt=\"\" class=\"wp-image-7905\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/\u96f6-\u5b58-\u6574-\u4ed8-1024x576.png 1024w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/\u96f6-\u5b58-\u6574-\u4ed8-300x169.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/\u96f6-\u5b58-\u6574-\u4ed8-768x432.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/\u96f6-\u5b58-\u6574-\u4ed8-1536x864.png 1536w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/\u96f6-\u5b58-\u6574-\u4ed8-747x420.png 747w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/\u96f6-\u5b58-\u6574-\u4ed8-696x392.png 696w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/\u96f6-\u5b58-\u6574-\u4ed8-1068x601.png 1068w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/\u96f6-\u5b58-\u6574-\u4ed8.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u5c0f\u5bcc\u7531\u5109\uff0c\u6a5f\u68b0\u5f0f\u7a4d\u7d2f\u5c0f\u984d\u5b58\u6b3e\u80fd\u5920\u5e6b\u52a9\u6709\u6046\u5fc3\u7684\u666e\u901a\u4eba\u9010\u6b65\u9081\u5411<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E4%BB%80%E9%BA%BC%E6%98%AF-%E8%B2%A1%E5%8B%99-%E8%87%AA%E7%94%B1-%E8%8B%B1%E6%96%87-fire-financial-independence-retire-early\/\">\u8ca1\u52d9\u81ea\u7531<\/a>\u3002\u76ee\u524d\u9999\u6e2f\u5c1a\u6709\u7d046\u9593\u50b3\u7d71\u9280\u884c\u63d0\u4f9b\u5165\u5834\u9580\u6abb\u8f03\u4f4e\u300c\u96f6\u5b58\u6574\u4ed8\u300d\u5132\u84c4\u8a08\u5283\uff0c\u5373\u6708\u4f9b\u5f0f\u5b58\u6b3e\uff0c\u800c\u9280\u884c\u5f80\u5f80\u6703\u63d0\u4f9b\u4ecb\u4e4e\u6d3b\u671f\u5132\u84c4\u8207\u5b9a\u671f\u5b58\u6b3e\u4e4b\u9593\u7684\u5229\u7387\uff0c\u4e26\u8b93\u5c0f\u984d\u5b58\u6236\u611f\u53d7\u8907\u5229\u606f\u7684\u5a01\u529b\uff0c\u5c24\u5176\u9069\u5408\u7528\u4ee5\u958b\u59cb\u57f9\u990a\u5132\u9322\u7fd2\u6163\u3002<\/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-74aecc9d      \"\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\u9999\u6e2f\u9280\u884c\u96f6\u5b58\u6574\u4ed8\u670d\u52d9\u5927\u6bd4\u62fc\uff01\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=\"#\u4ec0\u9ebc\u662f\u96f6\u5b58\u6574\u4ed8\" class=\"uagb-toc-link__trigger\">\u4ec0\u9ebc\u662f\u96f6\u5b58\u6574\u4ed8\uff1f<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u96f6\u5b58\u6574\u4ed8\u5728\u9999\u6e2f\u7684\u6b77\u53f2\" class=\"uagb-toc-link__trigger\">\u96f6\u5b58\u6574\u4ed8\u5728\u9999\u6e2f\u7684\u6b77\u53f2<\/a><\/li><\/ul><\/li><li class=\"uagb-toc__list\"><a href=\"#\u9999\u6e2f6\u9593\u9280\u884c\u96f6\u5b58\u6574\u4ed8\u670d\u52d9\u6bd4\u8f03\" class=\"uagb-toc-link__trigger\">\u9999\u6e2f6\u9593\u9280\u884c\u96f6\u5b58\u6574\u4ed8\u670d\u52d9\u6bd4\u8f03<\/a><li class=\"uagb-toc__list\"><a href=\"#\u900f\u904e\u96f6\u5b58\u6574\u4ed8\u670d\u52d9\u9032\u884c\u5132\u84c4\u6ce8\u610f\u4e8b\u9805\" class=\"uagb-toc-link__trigger\">\u900f\u904e\u96f6\u5b58\u6574\u4ed8\u670d\u52d9\u9032\u884c\u5132\u84c4\u6ce8\u610f\u4e8b\u9805<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u5229\u606f\u8a08\u7b97\u65b9\u5f0f\" class=\"uagb-toc-link__trigger\">\u5229\u606f\u8a08\u7b97\u65b9\u5f0f<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u63d0\u524d\u63d0\u6b3e\u7f70\u5247\" class=\"uagb-toc-link__trigger\">\u63d0\u524d\u63d0\u6b3e\u7f70\u5247<\/a><\/li><\/ul><\/li><\/ul><\/li><li class=\"uagb-toc__list\"><a href=\"#\u900f\u904e\u65b0\u6642\u4ee3fintech\u5132\u9322\" class=\"uagb-toc-link__trigger\">\u900f\u904e\u65b0\u6642\u4ee3Fintech\u5132\u9322<\/a><\/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\">\u4ec0\u9ebc\u662f\u96f6\u5b58\u6574\u4ed8\uff1f<\/h2>\n\n\n\n<p>\u300c\u96f6\u5b58\u6574\u4ed8\u300d\uff08\u82f1\u6587\uff1aClub Deposit \/ Monthly Savings Plan\uff09\u662f\u5b58\u6236\u8207\u9280\u884c\u7d04\u5b9a\u4e00\u6bb5\u6642\u9593\u5167\uff08\u901a\u5e38\u70ba12\u81f360\u500b\u6708\uff09\uff0c\u6bcf\u6708\u5b58\u5165\u56fa\u5b9a\u91d1\u984d\uff0c\u671f\u6eff\u5f8c\u9818\u53d6\u672c\u91d1\u53ca\u56fa\u5b9a\u5229\u606f\uff0c\u671f\u9593\u9280\u884c\u652f\u4ed8\u9ad8\u65bc\u6d3b\u671f\u5b58\u6b3e\u7684\u56fa\u5b9a\u5229\u606f\uff0c\u4e26\u901a\u5e38\u63a1\u7528<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\/\">\u8907\u5229\u606f<\/a>\u8a08\u7b97\u65b9\u6cd5\uff0c\u8b93\u5b58\u6236\u300c\u770b\u5f97\u5230\u3001\u7b97\u5f97\u6e96\u300d\u7684\u65b9\u5f0f\u589e\u503c\u8ca1\u5bcc\uff0c\u4e0d\u904e\u4e2d\u9014\u65b7\u4f9b\u6216\u63d0\u6b3e\u9700\u652f\u4ed8\u7f70\u91d1\u6216\u55aa\u5931\u5229\u606f\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u96f6\u5b58\u6574\u4ed8\u5728\u9999\u6e2f\u7684\u6b77\u53f2<\/h3>\n\n\n\n<p>\u5728\u4e8c\u6230\u5f8c\u7684\u9999\u6e2f\uff0c\u9280\u884c\u696d\u670d\u52d9\u5c1a\u672a\u5168\u9762\u666e\u53ca\u3001\u88fd\u9020\u696d\u5c0d\u8cc7\u91d1\u9700\u6c42\u82e5\u6e34\u3002\u6839\u64da<a href=\"https:\/\/hub.hku.hk\/bitstream\/10722\/255456\/1\/FullText.pdf\">\u5b78\u8853\u7814\u7a76<\/a>\uff0c\u7576\u6642\u6709\u83ef\u8cc7\u9280\u884c\u5c07\u96f6\u5b58\u6574\u4ed8\u4f5c\u70ba\u5c0f\u984d\u3001\u5b9a\u671f\u65b9\u5f0f\u5438\u5f15\u57fa\u5c64\u5e02\u6c11\u300c\u5165\u9280\u884c\u300d\u4e26\u9032\u884c\u7cfb\u7d71\u5316\u5132\u84c4\uff0c\u6700\u7d42\u6210\u529f\u5438\u7d0d\u5927\u91cf\u539f\u672c\u672a\u4f7f\u7528\u9280\u884c\u670d\u52d9\u7684\u83ef\u4eba\u5ba2\u6236\u3002<\/p>\n\n\n\n<p>\u540c\u6642\u96f6\u5b58\u6574\u4ed8\u80fd\u5920\u9396\u5b9a\u5ba2\u6236\u672a\u4f86\u7684\u73fe\u91d1\u6d41\uff0c\u70ba\u9280\u884c\u63d0\u4f9b\u4e86\u7a69\u5b9a\u7684\u9577\u671f\u8cc7\u91d1\uff0c\u6709\u52a9\u65bc\u7de9\u89e3\u8cc7\u7522\u8ca0\u50b5\u671f\u9650\u932f\u914d\u7684\u60c5\u6cc1\u3002<\/p>\n\n\n\n<p>\u300c\u96f6\u5b58\u6574\u4ed8\u300d\u9019\u8a5e\u4e2d\u7684\u300c\u96f6\u300d\u662f\u6307\u628a\u96f6\u788e\u7684\u672c\u91d1\u5206\u6210\u591a\u6b21\u9010\u671f\u5b58\u5165\u9280\u884c\uff0c\u800c\u5230\u7d04\u5b9a\u671f\u6eff\u6642\uff0c\u672c\u91d1\u5df2\u7d93\u7d2f\u7a4d\u6210\u4e00\u7b46\u300c\u5b8c\u6574\u300d\u7684\u91d1\u984d\uff0c\u9280\u884c\u4e00\u7b46\u904e\u300c\u4ed8\u6e05\u300d\u91d1\u984d\u3002<\/p>\n\n\n\n<p>\u96f6\u5b58\u6574\u4ed8\u5176\u4e2d\u4e00\u500b\u82f1\u6587\u300cClub Deposit\u300d\u8207\u300cChristmas Club\u300d \u5132\u84c4\u5e33\u6236\uff08\u897f\u65b9\u4eba\u70ba\u4e86\u8056\u8a95\u7bc0\u6d88\u8cbb\u800c\u9032\u884c\u7684\u77ed\u671f\u5132\u84c4\uff09\u985e\u578b\u76f8\u8fd1\uff0c\u800c\u540c\u4e00\u6642\u9593\u9999\u6e2f\u793e\u6703\u70ba\u6307\u5b9a\u76ee\u6a19\u800c\u5206\u671f\u5132\u84c4\u7684\u884c\u70ba\u4e5f\u76f8\u7576\u666e\u53ca\uff0c\u4f8b\u598250\u5e74\u4ee3\u9905\u5e97\u529b\u63a8\u5206\u671f\u4f9b\u6b3e\u7684\u300c<a href=\"https:\/\/www.hkbrandmuseum.com\/keewahbakery\">\u6708\u9905\u6703<\/a>\u300d\u3001\u91d1\u884c\u63a8\u540c\u985e\u7684\u300c<a href=\"https:\/\/www.youtube.com\/shorts\/4sBHL-E0ND4\">\u4f9b\u91d1\u6703<\/a>\u300d\u3002<\/p>\n\n\n\n<p>\u4e0d\u904e\u96a8\u4f4f\u793e\u6703\u98a8\u6c23\u53ca\u5e02\u5834\u8f49\u8b8a\uff0c\u96f6\u5b58\u6574\u4ed8\u73fe\u5728\u4ea6\u6703\u88ab\u7a31\u70ba\u529f\u80fd\u6027\u5730\u7a31\u70ba\u6708\u4f9b\u5b58\u6b3e\u8a08\u5283\uff0c\u82f1\u6587\u300cMonthly Savings Plan\u300d\u300cMonthly Deposit Plan\u300d \u3002<\/p>\n\n\n\n<p><strong>\u9999\u6e2f\u5132\u84c4\u8cc7\u8a0a\uff1a<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%a6%99%e6%b8%af%e4%ba%ba%e5%84%b2%e8%93%84%e5%b8%b8%e8%a6%8b%e5%95%8f%e9%a1%8c%ef%bd%9c%e4%b8%80%e6%96%87%e8%a9%b3%e8%a7%a3%e9%a6%99%e6%b8%af%e6%83%85%e4%be%b6%e9%96%8b%e7%ab%8b%e8%81%af%e5%90%8d\/\"><strong>\u806f\u540d\u6236\u53e3<\/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\/\"><strong>\u9999\u6e2f\u9ad8\u606f\u5132\u755c\u6236\u53e3<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e4%bb%80%e9%ba%bc%e6%98%af-%e8%b2%a1%e5%8b%99-%e8%87%aa%e7%94%b1-%e8%8b%b1%e6%96%87-fire-financial-independence-retire-early\/\"><strong>\u8ca1\u52d9\u81ea\u7531<\/strong><\/a><strong>&#8211;<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e4%bb%80%e9%ba%bc%e6%98%af-%e8%b2%a1%e5%8b%99-%e8%87%aa%e7%94%b1-%e8%8b%b1%e6%96%87-fire-financial-independence-retire-early\/\"><strong>FIRE\u904b\u52d5<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e8%87%aa%e5%88%b6%e6%97%85%e8%a1%8c%e5%9f%ba%e9%87%91%ef%bd%9c2024%e7%84%a1%e7%97%9b%e5%84%b2%e9%8c%a2%e8%b2%b7%e6%a9%9f%e7%a5%a8%e6%96%b9%e6%b3%95-%e6%af%8f%e5%ad%a3%e6%97%85%e8%a1%8c%e4%b8%8d\/\"><strong>\u81ea\u5236\u65c5\u884c\u57fa\u91d1<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u9999\u6e2f6\u9593\u9280\u884c\u96f6\u5b58\u6574\u4ed8\u670d\u52d9\u6bd4\u8f03<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u9280\u884c<\/strong><\/td><td><strong>\u8a08\u5283\u540d\u7a31<\/strong><\/td><td><strong>\u9069\u7528\u8ca8\u5e63<\/strong><\/td><td><strong>\u4f9b\u6b3e\u5e74\u671f<\/strong><strong><br><\/strong><strong>(\u6708)<\/strong><\/td><td><strong>\u6700\u4f4e\u4f9b\u6b3e<\/strong><strong><br><\/strong><strong>(HKD)<\/strong><\/td><td><strong>\u53c3\u8003\u5e74\u5229\u7387<\/strong><strong><br><\/strong><strong> (HKD)<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/www.dahsing.com\/html\/tc\/deposit\/fixed_deposit\/target_savings_deposit.html\"><strong>\u5927\u65b0\u9280\u884c<\/strong><\/a><\/td><td>\u300c\u5922\u60f3\u6210\u771f\u300d\u96f6\u5b58\u6574\u4ed8\u5132\u84c4\u8a08\u5283<\/td><td>HKD<\/td><td>12\u300118\u300124\u300130\u300136<\/td><td>$500<br>(\u6216\u6bcf\u5468$100)<\/td><td>\u5168\u65b0\u5ba2\u6236\u958b\u7acb\u9280\u884c\u6236\u53e3\u53ef\u73722.1\uff05\u512a\u60e0\u5229\u7387\uff0c\u539f\u6709\u5ba2\u6236\u50c50.8\uff05<\/td><\/tr><tr><td><a href=\"https:\/\/www.fubonbank.com.hk\/tc\/deposit\/target-savings.html\"><strong>\u5bcc\u90a6\u9280\u884c<\/strong><\/a><\/td><td>\u5bcc\u90a6\u96f6\u5b58\u6574\u4ed8\u5132\u84c4\u8a08\u5283&nbsp;<\/td><td>HKD, USD, AUD\u7b49\u591a\u7a2e\u8ca8\u5e63<\/td><td>9\u300112\u300115\u300118\u300124\u300136\u621648<\/td><td>$2,000<\/td><td>0.7%<\/td><\/tr><tr><td><a href=\"https:\/\/www.bochk.com\/tc\/deposits\/savings\/monthly.html\"><strong>\u4e2d\u9280\u9999\u6e2f<\/strong><\/a><\/td><td>\u6708\u4f9b\u5b58\u6b3e\u8a08\u5283 &#8211; \u96f6\u5b58\u6574\u4ed8\u5b58\u6b3e<\/td><td>HKD, RMB, USD\u7b49\u591a\u7a2e\u8ca8\u5e63<\/td><td>12\u81f360<\/td><td>$500<\/td><td>\u5229\u7387\u6309\u5e02\u5834\u60c5\u6cc1\u6d6e\u52d5\uff0c\u8a73\u898b\u5b98\u65b9\u7db2\u7ad9<\/td><\/tr><tr><td><a href=\"https:\/\/www.hk.bankcomm.com\/hk\/shtml\/hk\/tw\/2004980\/2004981\/2004988\/2004991\/list.shtml\"><strong>\u4ea4\u9280\u9999\u6e2f<\/strong><\/a><\/td><td>\u96f6\u5b58\u6574\u4ed8\u5b58\u6b3e<\/td><td>HKD, RMB, USD\u7b49\u591a\u7a2e\u8ca8\u5e63<\/td><td>12\u300118\u300124\u300136\u300148\u300160<\/td><td>$500<\/td><td><a href=\"https:\/\/www.hk.bankcomm.com\/hk\/shtml\/hk\/tw\/2005155\/2005178\/2005181\/list.shtml?channelId=2005155\"><strong>0.45%\u81f30.5\uff05<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.icbcasia.com\/hk\/tc\/personal\/banking\/deposits\/planned-savings\/default.html\"><strong>\u5de5\u9280\u4e9e\u6d32<\/strong><strong><\/strong><\/a><\/td><td>\u96f6\u5b58\u6574\u4ed8\u5132\u84c4\u8a08\u5283<\/td><td>HKD<\/td><td>6\u300112\u300118\u300124\u300136\u300160<\/td><td>$800<\/td><td>\u5b9a\u606f\uff0f\u6d6e\u606f<\/td><\/tr><tr><td><a href=\"https:\/\/www.cmbwinglungbank.com\/wlb_corporate\/hk\/personal\/deposits\/pleasure-savings-account.html\"><strong>\u62db\u5546\u6c38\u9686<\/strong><\/a><\/td><td>\u300c\u842c\u5229\u9322\u300d\u5132\u84c4\u5b58\u6b3e\u6236\u53e3<\/td><td>HKD<\/td><td>12\u300118\u300124\u300136\u300148\u300160<\/td><td>$500<\/td><td><a href=\"https:\/\/www.cmbwinglungbank.com\/wlb_corporate\/hk\/personal\/investments\/financial-information\/interest-rates\/deposit-interest-rates.html\">1\uff05\u81f31.5\uff05<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u6700\u5f8c\u66f4\u65b0\u65e5\u671f\uff1a2025\u5e7412\u670830\u65e5\uff5c\u5404\u9280\u884c\u8a08\u5283\u7684\u5177\u9ad4\u689d\u6b3e\u53ca\u5229\u7387\u4ee5\u9280\u884c\u5b98\u65b9\u7db2\u7ad9\u516c\u5e03\u70ba\u6e96\u3002<\/p>\n\n\n\n<p>\u76ee\u524d\u5728\u50b3\u7d71\u9280\u884c\u4e2d\uff0c\u5927\u65b0\u9280\u884c\u662f\u6975\u5c11\u6578\u7a4d\u6975\u63a8\u5ee3\u96f6\u5b58\u6574\u4ed8\u670d\u52d9\uff0c\u4e26\u4ee5\u300c\u9ad8\u606f\u300d\u4f5c\u70ba\u8ce3\u9ede\u7684\u6a5f\u69cb\uff0c\u524d\u63d0\u8981\u662f\u9280\u884c\u7684\u5168\u65b0\u5ba2\u6236\u624d\u53ef\u53d6\u5f97\u512a\u60e0\uff1b\u5982\u679c\u672c\u8eab\u5df2\u7d93\u662f\u5927\u65b0\u9280\u884c\u5ba2\u6236\uff0c\u63a1\u7528\u96f6\u5b58\u6574\u4ed8\u5132\u84c4\u8a08\u5283\u7684\u5132\u84c4\u56de\u5831\u672a\u898b\u7a81\u51fa\u3002<\/p>\n\n\n\n<p>\u53c3\u8003\u8cc7\u8a0a\u900f\u660e\u5ea6\u8f03\u9ad8\u7684\u5bcc\u90a6\u53ca\u4ea4\u9280\u9999\u6e2f\uff0c\u6e2f\u5143\u96f6\u5b58\u6574\u4ed8\u7684\u5e74\u5229\u7387\u5747\u9ad8\u65bc\u5c0f\u984d<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\u5b9a\u671f\u5b58\u6b3e<\/a>\u724c\u50f9\uff0c\u800c\u62db\u5546\u6c38\u9686\u300c\u842c\u5229\u9322\u300d\u5132\u84c4\u5b58\u6b3e\u6236\u53e3\u5247\u4e0d\u53ca\u900f\u904e\u624b\u6a5f\u627f\u9020\u7684\u6e2f\u5143\u5b9a\u671f\u5b58\u6b3e\u5229\u606f\uff0c\u53cd\u6620\u9280\u884c\u5728\u63a8\u5ee3\u96f6\u5b58\u6574\u4ed8\u670d\u52d9\u4e0a\u4e0d\u751a\u9032\u53d6\u3002<\/p>\n\n\n\n<p><strong>\u66f4\u591a<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/hong-kong-passive-income-strategies-2025\/?promoCode=SRPS7JDQW&amp;promoType=Referrer\"><strong>\u88ab\u52d5\u6536\u5165<\/strong><\/a><strong>\u8cc7\u8a0a\uff1a<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E8%B2%A8%E5%B9%A3-%E5%B8%82%E5%A0%B4-%E5%9F%BA%E9%87%91-%E9%A2%A8%E9%9A%AA-%E6%8E%A8%E8%96%A6-money-market-fund-%E4%B8%AD%E6%96%87\/?promoCode=SRPS7JDQW&amp;promoType=Referrer\"><strong>\u8ca8\u5e63\u57fa\u91d1<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%a6%99%e6%b8%af-%e5%b9%b4%e9%87%91-%e8%a8%88%e5%8a%83-%e6%af%94%e8%bc%83-%e6%94%bf%e5%ba%9c-%e6%89%a3%e7%a8%85\/?promoCode=SRPS7JDQW&amp;promoType=Referrer\"><strong>\u5e74\u91d1\u7522\u54c1\u6bd4\u8f03<\/strong><\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e6%a9%9f-%e7%ae%a1-%e5%b1%80-%e5%82%b5%e5%88%b8\/\">\u6a5f\u7ba1\u5c40\u50b5\u5238<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/ibond-%E9%A6%99%E6%B8%AF-%E6%94%BF%E5%BA%9C-%E9%80%9A%E8%84%B9-%E6%8E%9B%E9%89%A4-%E5%82%B5%E5%88%B8\/\">iBond<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%8a%80%e8%89%b2-%e5%82%b5%e5%88%b8\/\">\u9280\u50b5<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/?p=7291\">\u96f6\u552e\u7da0\u50b5<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/?p=7307\">\u653f\u5e9c\u50b5\u5238<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u900f\u904e\u96f6\u5b58\u6574\u4ed8\u670d\u52d9\u9032\u884c\u5132\u84c4\u6ce8\u610f\u4e8b\u9805<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u5229\u606f\u8a08\u7b97\u65b9\u5f0f<\/h3>\n\n\n\n<p>\u50b3\u7d71\u5b9a\u671f\u5b58\u6b3e\u7684\u5229\u606f\u8a08\u7b97\u57fa\u65bc\u5168\u984d\u672c\u91d1\u5b58\u653e\u5168\u671f\uff0c\u4f8b\u5982\uff0c\u5b58\u516512,000\u6e2f\u5143\u4e00\u5e74\uff0c\u9280\u884c\u7d66\u4e88\u5e74\u5229\u73872%\uff0c\u5229\u606f\u70ba12,000\u6e2f\u5143\u4e58\u4ee52%\uff0c\u5373240\u6e2f\u5143\u3002<\/p>\n\n\n\n<p>\u4f46\u5728\u96f6\u5b58\u6574\u4ed8\u4e2d\uff0c\u8cc7\u91d1\u662f\u5206\u671f\u6295\u5165\u7684\u3002\u4ee512\u671f\u4f9b\u6b3e\u3001\u6bcf\u671f1,000\u6e2f\u5143\u7684\u96f6\u5b58\u6574\u4ed8\u8a08\u5283\uff0c\u96d6\u7136\u6d89\u53ca\u672c\u91d1\u7e3d\u984d\u540c\u6a23\u662f12,000\u6e2f\u5143\uff0c\u4e0d\u904e\u7b2c1\u500b\u6708\u5b58\u5165\u7684\u8cc7\u91d1\u5c07\u6703\u5728\u9280\u884c\u5b58\u653e\u4e8612\u500b\u6708\uff0c\u4f46\u7b2c2\u500b\u6708\u5b58\u5165\u7684\u8cc7\u91d1\uff0c\u5728\u9280\u884c\u50c5\u5b58\u653e\u4e8611\u500b\u6708\uff0c\u5982\u6b64\u985e\u63a8\u3002\u6700\u7d42\u9019\u500b\u5b58\u6236\u300c\u6574\u4ed8\u300d\u6642\u7372\u5f97\u672c\u5229\u548c\u7d0412,130 \u6e2f\u5143\uff0c\u7576\u4e2d\u5229\u606f\u7d04\u70ba130\u5143\u3002<\/p>\n\n\n\n<p>\u70ba\u6b64\uff0c\u5728\u4e2d\u9280\u9999\u6e2f\u7db2\u4e0a\u9280\u884c\u670d\u52d9\u627f\u9020\u96f6\u5b58\u6574\u4ed8\u5b58\u6b3e\u6642\uff0c\u7cfb\u7d71\u6703\u6a19\u660e\u300c\u5e74\u5229\u7387\u300d\u70ba\u300c\u5be6\u5f97\u7e3d\u56de\u5831 \u5229\u7387\u300d\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u63d0\u524d\u63d0\u6b3e\u7f70\u5247<\/h3>\n\n\n\n<p>\u82e5\u5ba2\u6236\u8981\u6c42\u63d0\u524d\u7d42\u6b62\u96f6\u5b58\u6574\u4ed8\uff0c\u9280\u884c\u6709\u6b0a\u4e0d\u652f\u4ed8\u4efb\u4f55\u5229\u606f\uff0c\u4e26\u6536\u53d6\u624b\u7e8c\u8cbb\u3002\u4ee5\u4e2d\u9280\u70ba\u4f8b\uff0c\u8a2d\u67092\u500b\u8a08\u7b97\u65b9\u5f0f\u6536\u53d6\u63d0\u524d\u7d42\u6b62\u96f6\u5b58\u6574\u4ed8\u624b\u7e8c\u8cbb\uff0c\u800c\u91d1\u984d\u6700\u5c11\u70ba200\u6e2f\u5143\uff0c\u8b8a\u76f8\u5c07\u5229\u7387\u98a8\u96aa\u5b8c\u5168\u8f49\u5ac1\u5ba2\u6236\u3002<\/p>\n\n\n\n<p><strong>\u9999\u6e2f\u5b9a\u671f\u5b58\u6b3e\u8cc7\u8a0a\u7cfb\u5217\uff1a<\/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\/\"><strong>\u9999\u6e2f\u4eba\u6c11\u5e63\u5b9a\u671f\u5b58\u6b3e<\/strong><\/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><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u900f\u904e\u65b0\u6642\u4ee3Fintech\u5132\u9322<\/h2>\n\n\n\n<p>\u8fd1\u5e74\u667a\u80fd\u6295\u8cc7\u5e73\u53f0\u8208\u8d77\uff0c\u900f\u904e\u6578\u4f4d\u670d\u52d9\u985b\u8986\u91d1\u878d\u754c\u3002<a href=\"https:\/\/www.syfe.com\/hk\">Syfe<\/a>\u63a8\u51fa\u7684<a href=\"https:\/\/www.syfe.com\/hk\/cash-plus-fixed\">\u5b9a\u606f\u5bf6<\/a>\uff0c\u4ee5\u6e2f\u5143\u7d50\u7b97\uff0c\u6240\u6295\u8cc7\u7684\u76f8\u95dc\u8cc7\u7522\u70ba\u5b9a\u671f\u5b58\u6b3e\uff0c\u606f\u7387\u8207\u5b9a\u5b58\u4e00\u6a23\u5c6c\u56fa\u5b9a\u6027\u8cea\uff0c\u4e26\u4e14\u6c92\u6709\u7ba1\u7406\u8cbb\uff0c\u8a2d\u67091\u500b\u6708\u30013\u500b\u6708\u30016\u500b\u6708\u671f\u53ca12\u500b\u6708\u671f\u9078\u64c7\uff0c\u5206\u5225\u70ba2.8\u5398\u30012.8\u5398\u30012.9\u5398\u53ca2.85\u5398<a href=\"https:\/\/www.syfe.com\/hk\/cash-plus-fixed\">\u56fa\u5b9a\u6536\u76ca\u7387<\/a>\uff0c\u8f03\u4e00\u822c\u5b9a\u5b58\u70ba\u9ad8\uff1b\u66f4\u91cd\u8981\u7684\u662f\uff0c\u5b9a\u606f\u5bf6\u4e0d\u8a2d\u6700\u4f4e\u6295\u8cc7\u984d\uff0c\u9664\u4e86\u9069\u5408\u8f03\u5c0f\u984d\u6295\u8cc7\u8005\u5916\uff0c\u4ea6\u9069\u5408\u6240\u6709\u4eba\u58eb\u914d\u7f6e\u9591\u7f6e\u8cc7\u91d1\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/image.png\" alt=\"\" class=\"wp-image-7903\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/image.png 1024w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/image-300x169.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/image-768x432.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/image-747x420.png 747w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/image-696x392.png 696w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.syfe.com\/hk\/create-account\">\u7acb\u5373\u514c\u63db<\/a><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4f7f\u7528\u6307\u5b9a\u514c\u63db\u78bc\u958b\u6236\u3002<\/li>\n\n\n\n<li>\u5982\u6295\u5165\u9996\u7b46\u6b3e\u9805 HK$10,000 \u65bc\u4efb\u4f55\u6295\u8cc7\u7d44\u5408\uff0cHK$200 \u734e\u52f5\u5c07\u6703\u5b58\u5165\u4f60\u7684\u76f8\u95dc\u7d44\u5408\u3002\u9808\u7dad\u6301 90 \u65e5 HK$10,000 \u6216\u4ee5\u4e0a\u7684\u73fe\u91d1\u6d41\u65bc\u4f60\u7684\u76f8\u95dc\u7d44\u5408\u3002<\/li>\n\n\n\n<li>\u5982\u6295\u5165\u9996\u7b46\u6b3e\u9805 HK$50,000\uff0cHK$500 \u734e\u52f5\u5c07\u6703\u5b58\u5165\u4f60\u7684\u76f8\u95dc\u7d44\u5408\u3002\u9808\u7dad\u6301 90 \u65e5 HK$50,000 \u6216\u4ee5\u4e0a\u7684\u73fe\u91d1\u6d41\u65bc\u4f60\u7684\u76f8\u95dc\u7d44\u5408\u3002<\/li>\n\n\n\n<li>\u5982\u6295\u5165\u9996\u7b46\u6b3e\u9805 HK$100,000\uff0cHK$1,000 \u734e\u52f5\u5c07\u6703\u5b58\u5165\u4f60\u7684\u76f8\u95dc\u7d44\u5408\u3002\u9808\u7dad\u6301 90 \u65e5 HK$100,000 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