2-month Time Deposit + 2 Checkpoints meeting Savings Growth = 4% p.a. HKD Deposit Rate

High yield for your deposits in 2 simple steps
Within Sep
Places Eligible Time Deposit1
  • HKD
  • New Fund
  • 2-month
Total Eligible Time Deposit
$10,000 - $3,000,000
30 Nov and 31 Dec
Achieve designated HKD Savings Deposit Growth at Savings/ Current accounts on both dates2
  • Nov 30 as compared with 30 Jun
  • Dec 31 as compared with 30 Jun
HKD Savings Deposit Growth:
Not less than total Eligible Time Deposit amount
4% p.a. Deposit Offer
Enjoy all the way to year-end!
Offer 1
4% p.a. HKD
Time Deposit
Total Interest Rate3
Applicable to Eligible Time Deposit placed in Sep
(HKD new fund 2-month time deposit, capped at $3,000,000)
Continuous interest rewards
Offer 2
4% p.a. HKD bonus Savings Deposit Interest Rate4
Applicable to Eligible Daily Savings Growth from Nov to Dec
(Compared with 30 Jun, capped at total Eligible Time Deposit amount)
The bonus interest of above offers will be credited to your savings and current account on or before 31 Mar 2027.
Illustrative example
Assume the customer's5 HKD savings deposit balance on 30 Jun is $1,000,000
Scenario 1
Enjoy bonus interest
Scenario 2
Enjoy bonus interest
(with fund in/out in savings account)
Scenario 3
Cannot enjoy bonus interest
swipe for more details
Meet target, Get reward
2-month HKD Time Deposit
Total rate boost to 4% p.a.
Total interest on Eligible Time Deposit: ~$20,383
(including bonus interest of the bonus rate of 1.6% p.a.a: ~$8,153b)
HKD bonus Savings Deposit Interest Rate from Nov to Dec 4% p.a.
Bonus interest: ~$19,726c
(Eligible Daily Savings Growth from Nov to Dec is capped at total amount of Eligible Time Deposit, max $3,000,000)
Total interest
~$40,109

Note：

  1. The prevailing interest rate shown in the illustration above is indicative and for reference only. Actual rate refers to the rate available when the customer places the time deposit. The Bonus Rate of time deposit is calculated as: Total Interest Rate of 4% p.a. - Prevailing Rate of 2.4% p.a.
  2. The bonus interest on the time deposit is calculated as follows: Time deposit amount of $3,000,000 × Bonus rate of 1.6% p.a. × 62 days in time deposit period / 365 days in yearly-basis
  3. The bonus interest on the savings deposit is calculated based on the Eligible Daily Savings Growth from Nov to Dec (capped at total Eligible Time Deposit amount) $3,000,000 × Bonus rate of 4% p.a. × 60 days from 2 Nov to 31 Dec / 365 days in yearly-basis. In the above illustration, it is assumed that the customer’s HKD savings deposit balance remains the same from 2 Nov to 31 Dec.
swipe for more details
Meet target, Get reward
2-month HKD Time Deposit
Total rate boost to 4% p.a.
Total interest on Eligible Time Deposit: ~$20,383
(including bonus interest of the bonus rate of 1.6% p.a.a: ~$8,153b)
HKD bonus Savings Deposit Interest Rate from Nov to Dec 4% p.a.
Bonus interest: ~$19,726c
(Eligible Daily Savings Growth from Nov to Dec is capped at total amount of Eligible Time Deposit, max $3,000,000)
Total interest
~$40,109

Note：

  1. The prevailing interest rate shown in the illustration above is indicative and for reference only. Actual rate refers to the rate available when the customer places the time deposit. The Bonus Rate of time deposit is calculated as: Total Interest Rate of 4% p.a. - Prevailing Rate of 2.4% p.a.
  2. The bonus interest on the time deposit is calculated as follows: Time deposit amount of $3,000,000 × Bonus rate of 1.6% p.a. × 62 days in time deposit period / 365 days in yearly-basis
  3. The bonus interest on the savings deposit is calculated based on the Eligible Daily Savings Growth from Nov to Dec (capped at total Eligible Time Deposit amount) $3,000,000 × Bonus rate of 4% p.a. × 60 days from 2 Nov to 31 Dec / 365 days in yearly-basis. In the above illustration, it is assumed that the customer’s HKD savings deposit balance remains the same from 2 Nov to 31 Dec.
swipe for more details
Failed to meet the requirement
HKD Savings Deposits Growth fell short from the target on 30 Nov, so bonus interest could not be earned.

Note：

  1. The prevailing interest rate shown in the illustration above is indicative and for reference only. Actual rate refers to the rate available when the customer places the time deposit.

How to place time deposit online?

  • For Online Banking, the transaction time is Monday to Friday from 8am to 7:55pm and Saturday from 8am to 4:55pm. If the time deposit is placed outside the transaction time, or on Sunday, Hong Kong public holiday, or non-clearing day due to adverse weather condition such as typhoon signal or rainstorm warning, the time deposit will not be counted as Eligible Time Deposit.

Step 1

  • Log on to Hang Seng Personal e-Banking during the transaction time, select "Account Services" > "Time Deposits" from the drop-down list.
  • Click “View details” to check the prevailing interest rate of HKD New Fund 2-month time deposit.
  • Click “Set up time deposit”.
This is the webpage screen cap of Step 1

Step 2

  • For “Principal”, input an amount capped at the “Eligible New Fund Balance” 1 to enjoy the new fund time deposit offer.
  • For "Deposit term“, choose "Now" as the "Deposit date".
  • Select "Deduct from account", "Time deposit account" and "Maturity instruction", then click "Next".
Note: The preferential interest rate displayed in the screenshot is for illustration only.
This is the webpage screen cap of Step 2

Step 3

  • Review the Time Deposit details and click "Confirm".
Note: The preferential interest rate displayed in the screenshot is for illustration only.
This is the webpage screen cap of Step 3
  • For Online Banking, the transaction time is Monday to Friday from 8am to 7:55pm and Saturday from 8am to 4:55pm. If the time deposit is placed outside the transaction time, or on Sunday, Hong Kong public holiday, or non-clearing day due to adverse weather condition such as typhoon signal or rainstorm warning, the time deposit will not be counted as Eligible Time Deposit.

Step 1

  • Log on to Hang Seng Mobile App during the transaction time, select "Account Services" > "Time Deposits" from the drop-down list.
  • Click “View offer details” to check the prevailing interest rate of HKD New Fund 2-month time deposit.
  • Click “Set up Time Deposit”.
This is the webpage screen cap of Step 1

Step 2

  • For “Principal”, input an amount capped at the “Eligible New Fund Balance” 1 to enjoy the new fund time deposit offer.
  • For "Deposit term“, choose "Now" as the "Deposit date".
Note: The preferential interest rate displayed in the screenshot is for illustration only.
This is the webpage screen cap of Step 2

Step 3

  • Select "Deduct from account", "Time deposit account" and "Maturity instruction", then click "Next".
This is the webpage screen cap of Step 3

Step 4

  • Review the Time Deposit details and click "Confirm".
Note: The preferential interest rate displayed in the screenshot is for illustration only.
This is the webpage screen cap of Step 4

How to check HKD Savings Deposit Balance?

You can view your latest HKD savings deposit balance and the balance change compared with 30 June via Hang Seng Mobile App.
  • Log on to Hang Seng Mobile App, under “My Portfolio” > “Deposits”
  • Under “Deposit Overview” > Scroll down to “Savings and current deposit balance record”
  • Check the latest HKD deposit balance and the balance change compared with 30 June as follows

Note:

  • “Eligible Deposit Account(s)” refers to all HKD Savings Accounts and Current Accounts held by the Eligible Customer in sole name or in the capacity as the primary account holder in the case of a joint name account. Eligible Deposit Account(s) do not include Time Deposit accounts. If you hold a joint account but are not the primary account holder, the HKD Savings Deposit Balance displayed in the Mobile App shall not be used for this offer. For enquiries regarding the balance of the relevant account(s) for this offer, please contact our staff.
  • For the “balance on 30 Jun”, if you had a negative balance for Eligible Deposit Account on 30 Jun or did not hold any Eligible Deposit Account at that time, it will be treated as zero in the HKD Savings Deposit Growth calculation. If your balance on 30 Jun is negative, the HKD Savings Deposit Growth shown in the Mobile App is not applicable to this offer. For enquiries regarding the relevant balance growth for this offer, please contact our staff.
  • We recommend that you successfully complete the deposit/settlement by 6:00 PM on a business day (i.e. Monday to Saturday, excluding Sundays and public holidays) and retain the funds in the account until 9:00 AM on the next business day. All deposit balances are subject to the Bank's records.
Limited quota, first come first served!
Enquiry Hotlines
Prestige Private
2998 8022
Prestige Banking
2998 9188
Preferred Banking
2822 8228
Integrated Accounts
2822 8233
Terms & Conditions apply
Remarks:
  1. “Eligible Time Deposit” refers to the HKD 2-month time deposit the customer successfully placed with Eligible New Fund Balance via Online Banking (including Hang Seng Personal e-Banking and Hang Seng Mobile App), Phone Banking or any branch of the Bank during 1 September 2026 to 30 September 2026.
    • “Eligible New Fund Balance” refers to the incremental balance when comparing the latest HKD deposit balance with the HKD deposit balance as of 15 calendar days ago, after deduction of the sum of principal amount which has been entitled to new fund offer of time deposit within the last 15 calendar days (including time deposit placement date). The balance of all HKD accounts, including Savings Accounts, Current Accounts and Time Deposits will be counted towards the calculation of "Eligible New Fund Balance". The Eligible New Fund Balance must meet the minimum requirement of HKD10,000 per Eligible Time Deposit.
    • For Eligible Time Deposit placed with a joint account, it will be regarded as being placed by the primary account holder.
  2. The “HKD Savings Deposit Growth” on both 30 November 2026 and 31 December 2026 must reach the total amount of Eligible Time Deposits.
    • “HKD Savings Deposit Growth” refers to the incremental balance of the “Eligible Deposit Account” on 30 November 2026 and 31 December 2026 as compared with the balance on 30 June 2026.
    • “Eligible Deposit Account(s)” includes all HKD Savings Accounts and Current Accounts held by the Eligible Customer in sole name or in the capacity as the primary account holder in the case of a joint name account. Eligible Deposit Account(s) do not include Time Deposit accounts.
    • For the “balance on 30 June 2026”, if the customer had a negative balance for Eligible Deposit Account on 30 June 2026 or did not hold any Eligible Deposit Account at that time, it will be treated as zero in the HKD Savings Deposit Growth calculation.
  3. An Eligible Customer is entitled to a 4% p.a. Total Interest Rate on the Eligible Time Deposit(s) placed during the Promotion Period.
    • The total amount of Eligible Time Deposits applicable to each Eligible Customer under Offer 1 is capped at HKD3,000,000 (“Time Deposit Offer Cap”).
    • "Total Interest Rate" means the sum of "Prevailing Interest Rate" and "Bonus Interest Rate".
      • "Prevailing Interest Rate" refers to the interest rate applicable at the time the Eligible Time Deposit is placed.
      • "Bonus Interest Rate" means the additional interest rate over and above the Prevailing Interest Rate which together with the Prevailing Interest Rate amounts to the Total Interest Rate. If the total amount of Eligible Time Deposits exceeds Time Deposit Offer Cap, the amount in excess is eligible for the Prevailing Interest Rate only. The bonus interest derived from the Bonus Interest Rate is calculated as simple interest on a 365-day basis.
    • The total interest rate on the time deposit is indicative as of 1 September 2026, for reference only and subject to revision by the Bank based on the latest market conditions.
  4. An Eligible Customer is entitled to a 4% p.a. HKD bonus Savings Deposit Interest Rate for the “Eligible Daily Savings Growth” during November 2026 to December 2026.
    • “Eligible Daily Savings Growth” refers to the incremental of the daily deposit balance from 1 November 2026 to 31 December 2026 as compared with the balance on 30 June 2026 of Eligible Deposit Account(s).
      • For the “balance on 30 June 2026”, if the customer had a negative balance for Eligible Deposit Account on 30 June 2026 or did not hold any Eligible Deposit Account at that time, it will be treated as zero in the Eligible Daily Savings Growth calculation.
    • The Eligible Daily Savings Growth applicable to each Eligible Customer under Offer 2 is capped at the total amount of Eligible Time Deposit(s) or HKD3,000,000, whichever is lower. Any funds in excess will not be eligible to the bonus interest rate. The bonus interest is calculated as simple interest on a 365-day basis per year.
    • The bonus Savings Deposit for Interest Rate is indicative as of 1 September 2026, for reference only and subject to revision by the Bank based on the latest market conditions.
  5. This promotion is only applicable to the customer who holds a valid personal integrated account(s) (including Private Banking, Prestige Private, Prestige Banking, Preferred Banking and Integrated Account) with the Bank.
Place Time Deposit Online
Place Time Deposit Online