Interest is calculated on the following year basis:
Hong Kong Dollar - 365 days (ordinary year) or 366 days (leap year),
Pound Sterling, Thailand Baht and South Africa Rand - 365 days,
Other currencies - 360 days.
Saving interest is paid on:
Hong Kong Dollar Savings of Integrated Account - compound basis and monthly,
Hong Kong ATM Statement Savings - simple basis and monthly,
Others - simple basis and semi-annually.
Hong Kong Dollar Saving bonus interest rate: Hong Kong Dollar Savings of Integrated Accounts with Total Relationship Balance of HKD1,000,000 or above will be entitled to a bonus rate of 0.01% p.a.
Renminbi Saving bonus interest rate: Reminbi Savings of Integrated accounts with Total Relationship Balance of HKD1,000,000 or above will be entitled to a bonus rate of 0.05% p.a.
Board Rate: Deposit rates displayed at branch
E-Deposit rate: With reference to the interest rates for Prestige Banking customers setting up time deposit via Hang Seng Personal e-Banking. For other customers, please check with our branch staff or phone banking for the effective rate applicable.