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    Time Deposit & Savings Deposit Interest Rates

    Savings deposit interest rates 1

    As at HKT
    Account balance Deposit interest rate

    Time deposit interest rate calculator

    Use the time deposit interest rate calculator by entering the time deposit amount and deposit tenor. Get time deposit rates and the deposit interest amount at maturity instantly.

    Time deposit interest rate calculator

    Result
    As at HKT
    Deposit Interest Rate
    0 % p.a.
    Interest at Maturity
    0
    Principal and Interest at Maturity
    0
    Place a time deposit

    HKD Time deposit interest rates

    Deposit amount

    Board rate2

    As at HKT
    Tenor Interest rate

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    Footnote

    Other points to note

    1. The above information is for reference only.
    2. Interest is calculated on the following year basis:
      1. Hong Kong Dollar - 365 days (ordinary year) or 366 days (leap year),
      2. Pound Sterling, Thailand Baht and South Africa Rand - 365 days,
      3. Other currencies - 360 days.

    Remarks

    1. Saving interest is paid on:
      1. Hong Kong Dollar Savings of Integrated Account - compound basis and monthly,
      2. Hong Kong ATM Statement Savings - simple basis and monthly,
      3. Others - simple basis and semi-annually.
      4. 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 0.001% p.a.
      5. 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.
    2. Board Rate: Deposit rates displayed at branch

    Risk disclosure(s)

    1. RMB Currency risk
      Renminbi ("RMB") is subject to exchange rate risk. Fluctuation in the exchange rate of RMB may result in losses in the event that the customer subsequently converts RMB into another currency (including Hong Kong Dollars). Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. RMB is currently not freely convertible and conversion of RMB may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.
    2. Foreign Currency Risk
      Foreign exchange involves exchange rate risk. Fluctuations in the exchange rate of a foreign currency may result in gains or loss of principal in the event that the customer converts the deposits from HKD or foreign currency to another currency.