From 19 January 2026 to 28 February 2026, place 2-month HKD time deposit with new funds1 and earn a Total Interest Rate2 of up to 5% p.a., provided your HKD Savings Deposit Growth is achieved in March.
Achieve HKD Savings Deposit Growth* of HKD50,000 or above in March
*Comparison of 31 March 2026 to 31 December 20254
Unlock time deposit Bonus Interest Rate
Additional time deposit interest on top of the prevailing 2-month HKD time deposit interest will be credited into your HKD Savings Account by 31 May 2026
Up to 5% p.a. Total Interest Rate of time deposit
For new fund1 time deposit capped at HKD2,000,000
Unlock time deposit Bonus Interest Rate
HKD Savings Deposit Growth Amount in March
Time Deposit Total Interest Rate (p.a.)2
HKD50,000 to below HK200,000
3.5%
HKD200,000 or above
5.0%
Note:
  • “Time Deposit Total Interest Rate” means the sum of “Prevailing Interest Rate” and “Bonus Interest Rate”2

Example illustration

Assuming a Prestige Banking customer(a) has a HKD Savings Account balance(b) of $50,000 as at 31 December 2025 and conducts the following transactions:

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Customer can enjoy the following for the 2-month HKD time deposit with new funds:
  • Total Interest Rate of time deposit is 5% p.a. (including prevailing interest rate of 2.4% p.a. and bonus interest rate of 2.6% p.a.)
    • The incremental HKD Savings Account balance(b) on 31 Mar 2026 as compared to 31 Dec 2025 is $300,000, higher than the required $200,000
  • Time deposit amount eligible for the 5% p.a. is $2,000,000
    • The $500,000 in excess of the cap is eligible for the Prevailing Interest Rate only
  • Bonus time deposit interest is $8,405.5
    • Time deposit amount $2,000,000 x Bonus Interest Rate of 2.6% p.a. x 59 days in time deposit period / 365 days in yearly-basis

Note: The above example is calculated with indicative interest rates as of 19 January 2026, for reference only and subject to the Bank’s revision according to the prevailing market conditions.

  1. The offer is only applicable to any personal customer who holds a valid personal integrated account(s) (including Prestige Private, Prestige Banking, Preferred Banking and Integrated Account) with the Bank.
  2. Refers to the aggregate balance for customers with more than one HKD Savings Account in sole name or as primary account holder for joint account.

Which types of HKD Savings Account are eligible and how to check the relevant account balance?

HKD Savings Account includes:

  1. HKD Savings Deposit Account under Integrated Account
  2. HKD Statement Savings Deposit Account
  3. ATM Statement Savings Deposit Account
  4. HKD Passbook Savings Deposit Account

You can check the Eligible Deposit Account balance via e-Statement/ paper statement/ passbook.

Earn interest returns with ease!
Enquiry Hotlines
Prestige Private
2998 8022
Prestige Banking
2998 9188
Preferred Banking
2822 8228
Integrated Accounts
2822 8233
Terms & Conditions apply
Remarks:
  1. New fund refers to “Eligible New Fund Balance”. “Eligible New Fund Balance” means the fund representing the incremental balance (if any) when comparing the latest HKD Deposit Balance at the time of placing the Eligible Time Deposit with the HKD Deposit Balance as of 15 calendar days ago, after deduction of the sum of any HKD Deposit Balance which has already enjoyed any new fund offer for time deposit within the last 15 calendar days (including the Time Deposit Placement Date), provided that the “Eligible New Fund Balance” is subject to a minimum of HK$10,000 and a cap of HKD2,000,000.
    • “HKD Deposit Balance” means the aggregate balance in HKD of all Savings Accounts, Current Accounts and Time Deposits (whether in sole name or joint names).
  2. “Total Interest Rate” means the sum of “Prevailing Interest Rate” and “Bonus Interest Rate”, quoted with reference to the prevailing 2-month HKD time deposit interest rate offered by the Bank on 19 January 2026 and is for reference only. The Total Interest Rate is subject to the Bank’s revision based on the prevailing market conditions.
    • “Prevailing Interest Rate” refers to the Bank’s prevailing 2-month HKD time deposit interest rate. For the latest interest rate, please enquire with the Bank’s staff at the time of transaction.
    • “Bonus Interest Rate” means the additional interest rate over and above the Prevailing Interest Rate which together with the Prevailing Interest Rate amount to the Total Interest Rate applicable to the Eligible New Fund Balance. If the total time deposit amount of the Eligible Time Deposit exceeds HKD2,000,000, the amount in excess is eligible for the Prevailing Interest Rate only. The bonus interest derived from the Bonus Interest Rate (“Cash Reward”) is calculated as simple interest on a 365-day basis.
  3. “Eligible Deposit Account(s)” refer to the HKD Savings Deposit Account(s) maintained with the Bank in customer’s sole name or in the capacity as the primary account holder in the case of a joint account. For the avoidance of doubt, Current accounts and Time Deposit accounts are excluded from the Eligible Deposit Accounts.
  4. In respect of the “period end balance on 31 December 2025”, if the customer got a negative Eligible Deposit Account balance or did not hold any Eligible Deposit Account with the Bank on 31 December 2025, it will be treated as zero in the HKD Savings Deposit Growth calculation.
Place an online time deposit Other new fund time deposit offer
Place an online time deposit Other new fund time deposit offer