Deposit Interest Rates

Time deposit interest rate Effective from 1/11/2025

Tenor	Interest Rate p.a.
Tenor	HKD	CNY	USD
7 days	0.01%	0.30%	0.50%
14 days	0.01%	0.30%	0.50%
1 month	2.50%	1.00%	3.40%
3 months	2.70%	1.20%	3.40%
6 months	2.70%	1.20%	3.25%
12 months	2.00%	1.30%	3.00%

Savings account interest rate Effective from 11/8/2025

HKD

Account balance	Interest rate p.a.
0 - <50,000	0.25%
50,000 - <1,000,000	0.30%
1,000,000 - <2,000,000	0.38%
2,000,000 or above	0.30%

CNY

Interest rate p.a.

0.30%

USD

Interest rate p.a.

0.50%

Remarks：

1. Savings/ time deposit interest rate are for reference only，the interest rate will be adjusted according to the market environment, the final interest rate of branch / mobile banking prevails.

2. Annual interest rate is calculated with reference to the following year basis (HKD：365 days ; CNY & USD：360 days).

3. The above savings/ time deposit annual interest rates are applied to retail banking customers only.