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【港元定期存款優惠及利率比較】邊間做港幣定存最高息?(2021年1月)

(更新日期:2021年1月4日)

新冠肺炎疫情仍未緩和,中美兩國關係持續惡化,香港前景堪輿,香港環境及港元都飽受衝擊,好多銀行都逐漸下調港元定存息口。不過,港元定期存款始終都係最穩陣的保本投資方法,阿睥為大家收集了各大銀行以及虛擬銀行的最新港元定期存款利率優惠,好似有HSBC滙豐銀行、中國銀行及恒生銀行等定存優惠,短短地3個月又得,長既一年都得,而且本金都唔需要好貴,睇下邊間定存最高息,揀啱心水就立即開戶啦!

其他外幣定存戶口:人民幣定期存款優惠比較外幣定期存款優惠比較

*向右滑動比較更多
想了解各大銀行的優惠,可按表內的銀行名稱:

比較各大銀行港元定存優惠(假設本金為10萬)

銀行3個月6個月12個月最低本金*
利率利息利率利息利率利息
中國銀行0.25%$62.50.30%$150//$10,000
渣打銀行0.20%$500.25%$1250.30%$300$100,000
DBS星展銀行0.35%$87.50.35%$1750.35%$350$50,000
HSBC滙豐銀行0.30%$750.35%$1750.35%$350$10,000
恒生銀行0.20%$500.25%$1000.25%$200$10,000
中信銀行0.85%$212.50.80%$4000.80%$800$100,000
花旗銀行0.30%$75////$50,000
眾安銀行1.08%?$2700.60%$3000.60%$600$1
天星銀行1.05%$262.51.05%?$5250.80%?$800$1,000
WeLab Bank0.90%-1.20%////$10

*此乃優惠計劃的最低本金,優惠依銀行為準。


1 中銀定期存款優惠

bank of china

電子渠道新資金特優定期存款﹕

選用中國銀行「綜合理財服務」的個人客戶經網上銀行或手機銀行以(等值)港元1萬元或以上開立1、3、6或12個月「現有資金特優定期存款 」,可享特優年利率如下:

客戶3個月6個月
「中銀理財」客戶高達 0.25%高達 0.30%
「智盈理財」客戶高達 0.20%高達 0.25%
「自在理財」客戶高達 0.15%高達 0.20%

現有資金特優定期存款:

選用中國銀行「綜合理財服務」的個人客戶經網上銀行或手機銀行以(等值)港元1萬元或以上開立1、3、6或12個月「現有資金特優定期存款 」,可享特優年利率如下:

客戶1個月3個月6個月12個月
「中銀理財」客戶高達 0.10%高達 0.20%高達 0.25%高達 0.40%
「智盈理財」客戶高達 0.05%高達 0.15%高達 0.20%高達 0.35%
「自在理財」客戶高達 0.05%高達 0.10%高達 0.15%高達 0.30%

特優港元定期存款優惠

已選用中國銀行「綜合理財服務」的個人銀行客戶以兌換資金等值港幣5萬元或以上開立7天或1個月「特優港元定期存款」,可享特優年利率如下:

  • 7天:4.00%
  • 1個月:1.60%


2 渣打銀行定期存款優惠

渣打銀行

個人客戶以新資金開立渣打銀行之定期存款港幣100,000元或等值,可享港幣定期存款特惠年利率﹕

存款期3個月6個月12個月
年利率0.20%0.25%0.30%

存入港幣1,000,000資金及/或兌換資金並以個人名義開立渣打銀行12個月定期存款,可獲「亞洲萬里通飛行里數(Asia miles):

存款額 (HK$)3個月6個月12個月
新資金$100,000500里2,500里6,825里
新資金$1,000,0005,000里25,000里68,250里
新資金$2,000,00010,000里50,000里136,500里
現有資金$1,000,0004,500里22,000里61,000里


3 星展銀行定期存款優惠

獎賞1 – 首次開立網上定存現金獎賞

首次透過DBS digibank流動應用程式開立港幣等值$100,000或以上網上定存可享HK$200現金獎賞。

獎賞2 – 特惠年利率

以港幣等值$50,000或以上現有資金開立星展銀行網上定存,可享特惠年利率:

  • 1個月:0.05%
  • 2個月:0.20%
  • 3個月:0.35%
  • 4個月:0.35%
  • 6個月:0.35%
  • 12個月:0.35%

*上述所有特惠年利率為星展銀行於2020年12月1日之定期存款實際年利率

推廣期﹕即日至2021年1月4日


4 中信銀行定期存款優惠

中信銀行

由即日起至2021年3月31日,經中信銀行網上理財服務/CITIC流動理財,以新資金$10,000港元或以上開立定期存款,可享優惠年利率﹕

存款期1個月2個月3個月6個月12個月
年利率0.30%0.30%0.85%0.80%0.80%

優惠期:即日起至2021年3月31日


5 HSBC滙豐銀行定期存款優惠

滙豐銀行

以港元新資金於滙豐銀行做$10,000港元或以上做港元定期存款,可享以下優惠年利率:

*向右滑動比較更多

客戶3個月6個月12個月
尚玉客戶0.30%0.35%0.35%
卓越理財客戶0.30%0.35%0.30%
滙豐One及其他客戶0.20%0.25%0.25%


6 恒生銀行定期存款優惠

即日起至2021年1月31日,經恒生個人e-Banking、恒生個人流動理財服務應用程式、恒生電話理財熱線或分行,以原幣10,000元或以上之指定貨幣的「合資格新資金結餘」* 設立定期存款,亦可享以下特優年利率﹕

  • 3個月:0.20%
  • 6個月:0.25%
  • 12個月:0.25%


7 東亞銀行定期存款優惠

定期儲錢定期增值-外幣幣定期存款優惠比較(2018年2月)

特惠定期存款利率

顯卓理財/至尊理財客戶經分行、電子網絡銀行、BEA App手機程式或電話理財開立港元定期存款,可享特惠年利率:

年期至尊理財 ≥100,000顯卓理財 ≥100,000
1個月0.01%0.01%
2個月0.01%0.01%
3個月0.01%0.01%
6個月0.05%0.10%
12個月0.20%0.25%


8 大新銀行定期存款優惠

大新銀行

以手機App開指定戶口享高達1.28%港元定存利率

全新存款客戶透過大新手機應用程式內之「e直通遙距申請」開立VIP i-Account綜合理財戶口及符合相關要求,可享特優港元定期存款年利率高達1.28%!


9 Citibank花旗銀行定期存款優惠

Citibank

新客戶以新資金港幣50,000元至港幣20,000,000元新資金開立3個月港元定期存款可享以下利率﹕

客戶3個月港元定期存款利率
全新花旗私人客戶業務及Citigold客戶0.30%

提一提,好多時銀行提供的定期存款最優惠方案均只適用於「新資金」,即客人新存入該銀行的資金,續期的資金未必能夠享受到這些優惠。所以有些人會於到期時轉換銀行,以確保得到最高的定期存款利率。仲有一點要注意的是,銀行客戶好多時都會按資產分為不同級別的客戶,不同的級別會享有不同的定存利率。


10 眾安銀行 ZA Bank

ZA Bank

ZA Bank提供1-12個月不等的定期存款,更可提前支取,讓你靈活存取,只需$1,即可開立定期存款賬戶,利率如下﹕

  • 1個月﹕0.25%
  • 3個月﹕1.08%
  • 6個月﹕0.60%
  • 12個月﹕0.60%

11 天星銀行 Airstar

airstar

天星銀行的定存服務彈性,提前提取亦不會收費,利率如下﹕
  • 1個月﹕0.20%
  • 2個月﹕0.30%
  • 3個月﹕1.05%
  • 6個月﹕1.05%
  • 9個月﹕0.80%
  • 12個月﹕0.80%

上述利率僅供參考,最終可獲享之利率將以天星銀行手機應用程式所顯示為準。


12 WeLab Bank

welab

WeLab Bank的GoSave 定期存款玩法較創新,利率多少取決於參加人數,參加人數愈多,年利率就會愈高。舉例說,按照app最新資料顯示,新客戶首次參加GoSave定期存款尊享高達4.5%年利率,而截至2020年12月1日,3個月的定期存款年利率為0.9%至1.2%,最終利率取決於參與人數。用戶可以登入WeLab Bank的手機應用程式了解最新的參與人數及年利率呢﹗


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伸延閱讀

function sendGTMButtonHS1() { var transactionId = formatTID('55a57742-b456-4dde-a435-fefc95747c3e') var purchaseObj = { campaignPageTitle: 'hk-cc-blog', // campaign page title cardName: '恒生銀行 MPOWER 白金卡', // plan name currencyCode: 'HKD', // depends on the country transactionId: transactionId, revenue: '', // Will be input be CMS Manager, or empty product: { name: '恒生銀行 MPOWER 白金卡', // Will be input be CMS Manager id: '55a57742-b456-4dde-a435-fefc95747c3e', // Will be input be CMS Manager price: '', // brand: '恒生銀行', // bank name - Will be input be CMS Manager category: 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) variant: 'Direct - 恒生銀行 MPOWER 白金卡', // Product Variant (Direct - or Broker - ) quantity: '1', dimension7: window.getCookie('sid') + '|' + '55a57742-b456-4dde-a435-fefc95747c3e' + '|' + dateISOFormat() // same product id as that in id field } }; window.postGaPurchaseTag(purchaseObj, intervals); var gobearDataLayer = { tid: transactionId, prdc: 'credit-card', // Will be one of below types(car, travel, health, personal-loan, credit card, home-loan) prdbrnd: '恒生銀行', // Insurer name or bank name prdbrnd_en: '恒生銀行', // Will be Insurer english name or bank english name prdid: '55a57742-b456-4dde-a435-fefc95747c3e', // if is the product in DMS, we will use the product ID from DMS; if the product is not in DMS, we can use our own product ID prdn: 'MPOWER 白金卡', // Will be plan or card name prdn_en: 'MPOWER 白金卡', // Will be plan or card english name prdr: '', // Will be the premium or totalsaving cu: 'HKD', // depends on the country prdv: 'Direct - 恒生銀行 MPOWER 白金卡', //Product Variant (Direct - or Broker - ) dl: 'https://ad.doubleclick.net/ddm/trackclk/N8383.2522905GOBEARHK/B22403078.241757060;dc_trk_aid=438641544;dc_trk_cid=113180122;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=', // checkout link ts: dateISOFormat(), }; window.postGoBearClickout(gobearDataLayer, intervals); dataLayer.push({ 'event': '›', 'vpv': 'hk/blogCheckout/campaign/credit-card/55a57742-b456-4dde-a435-fefc95747c3e' ///iWantThisPolicy/'> }, { 'event': 'checkout', 'ecommerce': { 'currencyCode': 'HKD', // depends on the country 'checkout': { 'products': [{ 'name': '恒生銀行 MPOWER 白金卡', // 'id': '55a57742-b456-4dde-a435-fefc95747c3e', // Product ID 'price': '', // 'brand': '恒生銀行', // Bank name 'variant': 'Direct - 恒生銀行 MPOWER 白金卡', //Product Variant (Direct - or Broker - ) 'category': 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) 'quantity': '1' }] } } }, { 'event': 'trackEvent', 'eventDetails.category': 'Click out', 'eventDetails.action': 'Direct-credit card', //(Insurer-travel, Insurer-car, Broker-car, Broker-Health, Insurer-Health, Direct-Personal Loan, Broker-Home Loan, Credit card, Fixed Deposit) 'eventDetails.label': '恒生銀行 - MPOWER 白金卡' // - }, { 'event': 'popUpClickout', 'vpv': 'hk/blogCheckout/campaign/credit-card/55a57742-b456-4dde-a435-fefc95747c3e' ///iWantThisPolicy/'> }); window.open("https://ad.doubleclick.net/ddm/trackclk/N8383.2522905GOBEARHK/B22403078.241757060;dc_trk_aid=438641544;dc_trk_cid=113180122;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua="); // the link where we will redirect user to return false; }; function sendGTMButtonDH1() { // add this function to the button as an onclick var purchaseObj = { campaignPageTitle: '2019-05-hk-cc-blog', // campaign page title cardName: '大新銀行 ONE+信用卡', // card name currencyCode: 'HKD', // depends on the country transactionId: formatTID('1263fc75-0872-4028-aaf5-408da6fb19b8'), revenue: '', // Will be input be CMS Manager, or empty product: { name: '大新銀行 ONE+信用卡', // Will be input be CMS Manager id: '1263fc75-0872-4028-aaf5-408da6fb19b8', // Will be input be CMS Manager price: '', // brand: '大新銀行', // bank name - Will be input be CMS Manager category: 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) variant: 'Direct - 大新銀行 ONE+信用卡', // Product Variant (Direct - or Broker - ) quantity: '1', dimension7: window.getCookie('sid') + '|' + '1263fc75-0872-4028-aaf5-408da6fb19b8' + '|' + dateISOFormat() // same product id as that in id field } }; window.postGaPurchaseTag(purchaseObj, intervals); var gobearDataLayer = { tid: formatTID('1263fc75-0872-4028-aaf5-408da6fb19b8'), prdc: 'credit card', // Will be one of below types(car, travel, health, personal-loan, credit-card, home-loan) prdbrnd: '大新銀行', // Insurer name or bank name prdbrnd_en: '大新銀行', // Will be Insurer english name or bank english name prdid: '1263fc75-0872-4028-aaf5-408da6fb19b8', // if is the product in DMS, we will use the product ID from DMS; if the product is not in DMS, we can use our own product ID prdn: '大新銀行 ONE+信用卡', // Will be plan or card name prdn_en: '大新銀行 ONE+信用卡', // Will be plan or card english name prdr: '', // Will be the premium or totalsaving cu: 'HKD', // depends on the country prdv: 'Direct - 大新銀行 ONE+信用卡', //Product Variant (Direct - or Broker - ) dl: 'https://ad.doubleclick.net/ddm/trackclk/N1025300.2278306GOBEAR/B22789712.248012347;dc_trk_aid=444274047;dc_trk_cid=116892385;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=', // checkout link ts: dateISOFormat(), }; dataLayer.push({ 'event': 'checkout', 'ecommerce': { 'currencyCode': 'HKD', // depends on the country 'checkout': { 'products': [{ 'name': '大新銀行 ONE+信用卡', // 'id': '1263fc75-0872-4028-aaf5-408da6fb19b8', // Product ID 'price': '', // 'brand': '大新銀行', // Bank name 'variant': 'Direct - 大新銀行 ONE+信用卡', //Product Variant (Direct - or Broker - ) 'category': 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) 'quantity': '1' }] } } }); window.postGoBearClickout(gobearDataLayer, intervals); window.open("https://ad.doubleclick.net/ddm/trackclk/N1025300.2278306GOBEAR/B22789712.248012347;dc_trk_aid=444274047;dc_trk_cid=116892385;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua="); // the link where we will redirect user to return false; };

function sendGTMButtonD2() { // add this function to the button as an onclick var purchaseObj = { campaignPageTitle: '2019-05-hk-cc-blog', // campaign page title cardName: '星展銀行 DBS Compass Visa Card', // card name currencyCode: 'HKD', // depends on the country transactionId: formatTID('57426987-ad16-4724-8304-921c23a21e35'), revenue: '', // Will be input be CMS Manager, or empty product: { name: '星展銀行 DBS Compass Visa Card', // Will be input be CMS Manager id: '57426987-ad16-4724-8304-921c23a21e35', // Will be input be CMS Manager price: '', // brand: '星展銀行', // bank name - Will be input be CMS Manager category: 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) variant: 'Direct - 星展銀行 DBS Compass Visa Card', // Product Variant (Direct - or Broker - ) quantity: '1', dimension7: window.getCookie('sid') + '|' + '57426987-ad16-4724-8304-921c23a21e35' + '|' + dateISOFormat() // same product id as that in id field } }; window.postGaPurchaseTag(purchaseObj, intervals); var gobearDataLayer = { tid: formatTID('57426987-ad16-4724-8304-921c23a21e35'), prdc: 'credit card', // Will be one of below types(car, travel, health, personal-loan, credit-card, home-loan) prdbrnd: '星展銀行', // Insurer name or bank name prdbrnd_en: '星展銀行', // Will be Insurer english name or bank english name prdid: '57426987-ad16-4724-8304-921c23a21e35', // if is the product in DMS, we will use the product ID from DMS; if the product is not in DMS, we can use our own product ID prdn: '星展銀行 DBS Compass Visa Card', // Will be plan or card name prdn_en: '星展銀行 DBS Compass Visa Card', // Will be plan or card english name prdr: '', // Will be the premium or totalsaving cu: 'HKD', // depends on the country prdv: 'Cashback', //Product Variant (Direct - or Broker - ) dl: 'https://www.gobear.com/hk/campaign/credit-card/holiday19-dbs-card-giveaway', // checkout link ts: dateISOFormat(), }; dataLayer.push({ 'event': 'checkout', 'ecommerce': { 'currencyCode': 'HKD', // depends on the country 'checkout': { 'products': [{ 'name': '星展銀行 DBS Compass Visa Card', // 'id': '57426987-ad16-4724-8304-921c23a21e35', // Product ID 'price': '', // 'brand': '星展銀行', // Bank name 'variant': 'Cashback', //Product Variant (Direct - or Broker - ) 'category': 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) 'quantity': '1' }] } } }); window.postGoBearClickout(gobearDataLayer, intervals); window.open("https://www.gobear.com/hk/campaign/credit-card/holiday19-dbs-card-giveaway"); // the link where we will redirect user to return false; };function sendGTMButtonS1() { var transactionId = formatTID('896fe529-e7e7-467e-98d5-04a63a206d6c') var purchaseObj = { campaignPageTitle: 'hk-cc-blog', // campaign page title cardName: '渣打銀行 Simply Cash Visa卡', // plan name currencyCode: 'HKD', // depends on the country transactionId: transactionId, revenue: '', // Will be input be CMS Manager, or empty product: { name: '渣打銀行 Simply Cash Visa卡', // Will be input be CMS Manager id: '896fe529-e7e7-467e-98d5-04a63a206d6c', // Will be input be CMS Manager price: '', // brand: '渣打銀行', // bank name - Will be input be CMS Manager category: 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) variant: 'Direct - 渣打銀行 Simply Cash Visa卡', // Product Variant (Direct - or Broker - ) quantity: '1', dimension7: window.getCookie('sid') + '|' + '896fe529-e7e7-467e-98d5-04a63a206d6c' + '|' + dateISOFormat() // same product id as that in id field } }; window.postGaPurchaseTag(purchaseObj, intervals); var gobearDataLayer = { tid: transactionId, prdc: 'credit-card', // Will be one of below types(car, travel, health, personal-loan, credit card, home-loan) prdbrnd: '渣打銀行', // Insurer name or bank name prdbrnd_en: '渣打銀行', // Will be Insurer english name or bank english name prdid: '896fe529-e7e7-467e-98d5-04a63a206d6c', // if is the product in DMS, we will use the product ID from DMS; if the product is not in DMS, we can use our own product ID prdn: 'Simply Cash Visa卡', // Will be plan or card name prdn_en: 'Simply Cash Visa卡', // Will be plan or card english name prdr: '', // Will be the premium or totalsaving cu: 'HKD', // depends on the country prdv: 'Direct - 渣打銀行 Simply Cash Visa卡', //Product Variant (Direct - or Broker - ) dl: 'https://ad.doubleclick.net/ddm/trackclk/N200801.2278306GOBEAR/B20804340.215534592;dc_trk_aid=414499862;dc_trk_cid=98554361;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=', // checkout link ts: dateISOFormat(), }; window.postGoBearClickout(gobearDataLayer, intervals); dataLayer.push({ 'event': '›', 'vpv': 'hk/blogCheckout/campaign/credit-card/896fe529-e7e7-467e-98d5-04a63a206d6c' ///iWantThisPolicy/'> }, { 'event': 'checkout', 'ecommerce': { 'currencyCode': 'HKD', // depends on the country 'checkout': { 'products': [{ 'name': '渣打銀行 Simply Cash Visa卡', // 'id': '896fe529-e7e7-467e-98d5-04a63a206d6c', // Product ID 'price': '', // 'brand': '渣打銀行', // Bank name 'variant': 'Direct - 渣打銀行 Simply Cash Visa卡', //Product Variant (Direct - or Broker - ) 'category': 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) 'quantity': '1' }] } } }, { 'event': 'trackEvent', 'eventDetails.category': 'Click out', 'eventDetails.action': 'Direct-credit card', //(Insurer-travel, Insurer-car, Broker-car, Broker-Health, Insurer-Health, Direct-Personal Loan, Broker-Home Loan, Credit card, Fixed Deposit) 'eventDetails.label': '渣打銀行 - Simply Cash Visa卡' // - }, { 'event': 'popUpClickout', 'vpv': 'hk/blogCheckout/campaign/credit-card/896fe529-e7e7-467e-98d5-04a63a206d6c' ///iWantThisPolicy/'> }); window.open("https://ad.doubleclick.net/ddm/trackclk/N200801.2278306GOBEAR/B20804340.215534592;dc_trk_aid=414499862;dc_trk_cid=98554361;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua="); // the link where we will redirect user to return false; };

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