Preferential New Fund Time Deposit Offers

Save your money for a set period of time to enjoy preferential time deposit rates across HKD, USD, RMB and designated foreign currencies.

‘New Funds’ refer to the increased balance when comparing the latest deposit balance with the deposit balance as of 7 calendar days ago. If you have placed a time deposit with new funds in the past 7 calendar days, that amount will not be included.

For further questions about the New Fund online offers, please view our Frequently Asked Questions (FAQs) at the bottom of the page.

HKD New Fund Time Deposit – online offer

Minimum deposit amount: HKD10,000 or above

HSBC Jade and HSBC Premier (up to p.a.)
Placement amount
HKD 10,000 to below HKD 500,000
HKD 500,000 to below HKD 3,000,000 HKD 3,000,000 or above

3 months

2.40%
2.48%
2.50%
6 months
2.45%
2.53%
2.55%
12 months
2.10%
2.18%
2.20%
HSBC Jade and HSBC Premier (up to p.a.)
Placement amount

3 months

HKD 10,000 to below HKD 500,000
2.40%
HKD 500,000 to below HKD 3,000,000 2.48%
HKD 3,000,000 or above 2.50%
Placement amount
6 months
HKD 10,000 to below HKD 500,000
2.45%
HKD 500,000 to below HKD 3,000,000 2.53%
HKD 3,000,000 or above 2.55%
Placement amount
12 months
HKD 10,000 to below HKD 500,000
2.10%
HKD 500,000 to below HKD 3,000,000 2.18%
HKD 3,000,000 or above 2.20%
HSBC Advance (up to p.a.)
Placement amount
HKD 10,000 to below HKD 500,000 HKD 500,000 to below HKD 3,000,000 HKD 3,000,000 or above
3 months
2.20%
2.26%
2.28%
6 months
2.25%
2.31%
2.33%

12 months

1.85%
1.91%
1.93%
HSBC Advance (up to p.a.)
Placement amount
3 months
HKD 10,000 to below HKD 500,000 2.20%
HKD 500,000 to below HKD 3,000,000 2.26%
HKD 3,000,000 or above 2.28%
Placement amount
6 months
HKD 10,000 to below HKD 500,000 2.25%
HKD 500,000 to below HKD 3,000,000 2.31%
HKD 3,000,000 or above 2.33%
Placement amount

12 months

HKD 10,000 to below HKD 500,000 1.85%
HKD 500,000 to below HKD 3,000,000 1.91%
HKD 3,000,000 or above 1.93%
HSBC Others (up to p.a.)

Placement amount

HKD 10,000 to below HKD 500,000 HKD 500,000 to below HKD 3,000,000 HKD 3,000,000 or above
3 months
2.15%
2.205%
2.21%
6 months
2.20%
2.255%
2.26%
12 months
1.80%
1.855%
1.86%
HSBC Others (up to p.a.)

Placement amount

3 months
HKD 10,000 to below HKD 500,000 2.15%
HKD 500,000 to below HKD 3,000,000 2.205%
HKD 3,000,000 or above 2.21%

Placement amount

6 months
HKD 10,000 to below HKD 500,000 2.20%
HKD 500,000 to below HKD 3,000,000 2.255%
HKD 3,000,000 or above 2.26%

Placement amount

12 months
HKD 10,000 to below HKD 500,000 1.80%
HKD 500,000 to below HKD 3,000,000 1.855%
HKD 3,000,000 or above 1.86%

USD New Fund Time Deposit – online offer

Minimum deposit amount: USD2,000 or above 

HSBC Jade and HSBC Premier (up to p.a.)
Placement amount 
USD 2,000 to below USD 50,000
USD 50,000 to below USD 64,000 USD 64,000 to below USD 500,000 USD 500,000 or above
3 months
2.12% 2.13% 2.13% 2.20%
6 months
2.12% 2.17% 2.18% 2.25%
12 months
1.92% 1.97% 1.98% 2.05%
HSBC Jade and HSBC Premier (up to p.a.)
Placement amount 
3 months
USD 2,000 to below USD 50,000
2.12%
USD 50,000 to below USD 64,000 2.13%
USD 64,000 to below USD 500,000 2.13%
USD 500,000 or above
2.20%
Placement amount 
6 months
USD 2,000 to below USD 50,000
2.12%
USD 50,000 to below USD 64,000 2.17%
USD 64,000 to below USD 500,000 2.18%
USD 500,000 or above
2.25%
Placement amount 
12 months
USD 2,000 to below USD 50,000
1.92%
USD 50,000 to below USD 64,000 1.97%
USD 64,000 to below USD 500,000 1.98%
USD 500,000 or above
2.05%
HSBC Advance (up to p.a.)
Placement amount 
USD 2,000 to below USD 50,000 USD 50,000 to below USD 64,000 USD 64,000 to below USD 500,000 USD 500,000 or above
3 months 1.97% 1.975% 1.975% 2.03%
6 months
1.97% 2.02% 2.025% 2.08%
12 months
1.77% 1.82% 1.825% 1.88%
HSBC Advance (up to p.a.)
Placement amount 
3 months
USD 2,000 to below USD 50,000 1.97%
USD 50,000 to below USD 64,000 1.975%
USD 64,000 to below USD 500,000 1.975%
USD 500,000 or above
2.03%
Placement amount 
6 months
USD 2,000 to below USD 50,000 1.97%
USD 50,000 to below USD 64,000 2.02%
USD 64,000 to below USD 500,000 2.025%
USD 500,000 or above
2.08%
Placement amount 
12 months
USD 2,000 to below USD 50,000 1.77%
USD 50,000 to below USD 64,000 1.82%
USD 64,000 to below USD 500,000 1.825%
USD 500,000 or above
1.88%
HSBC Others (up to p.a.)
Placement amount 
USD 2,000 to below USD 50,000 USD 50,000 to below USD 64,000
USD 64,000 to below USD 500,000 USD 500,000 or above
3 months
1.905% 1.908% 1.908% 1.96%
6 months
1.905% 1.955% 1.958% 2.01%
12 months
1.705% 1.755% 1.758% 1.81%
HSBC Others (up to p.a.)
Placement amount 
3 months
USD 2,000 to below USD 50,000 1.905%
USD 50,000 to below USD 64,000
1.908%
USD 64,000 to below USD 500,000 1.908%
USD 500,000 or above
1.96%
Placement amount 
6 months
USD 2,000 to below USD 50,000 1.905%
USD 50,000 to below USD 64,000
1.955%
USD 64,000 to below USD 500,000 1.958%
USD 500,000 or above
2.01%
Placement amount 
12 months
USD 2,000 to below USD 50,000 1.705%
USD 50,000 to below USD 64,000
1.755%
USD 64,000 to below USD 500,000 1.758%
USD 500,000 or above
1.81%

Once you have successfully placed a time deposit with New Funds Preferential Rate online, you will not be eligible for any New Funds Preferential Rate online again on the same day or in the next 7 calendar days.

HKD New Fund Time Deposit – branch/phone-banking offer

Minimum deposit amount: HKD10,000 or above
Tenor
HSBC Jade (p.a.)
HSBC Premier (p.a.)
HSBC Advance (p.a.)
Others (p.a.)
3 months 2.40%
2.30%
2.20%
2.15%
6 months 2.45%
2.35%
2.25%
2.20%
12 months 2.10%
1.90%
1.85%
1.80%
Minimum deposit amount: HKD10,000 or above
Tenor
3 months
HSBC Jade (p.a.)
2.40%
HSBC Premier (p.a.)
2.30%
HSBC Advance (p.a.)
2.20%
Others (p.a.)
2.15%
Tenor
6 months
HSBC Jade (p.a.)
2.45%
HSBC Premier (p.a.)
2.35%
HSBC Advance (p.a.)
2.25%
Others (p.a.)
2.20%
Tenor
12 months
HSBC Jade (p.a.)
2.10%
HSBC Premier (p.a.)
1.90%
HSBC Advance (p.a.)
1.85%
Others (p.a.)
1.80%

USD New Fund Time Deposit – branch/phone-banking offer

Minimum deposit amount: USD2,000 or above
Tenor
HSBC Jade (p.a.)
HSBC Premier (p.a.)
HSBC Advance (p.a.)
Others (p.a.)
3 month 2.10%
2.00%
1.95%
1.90%
6 months 2.10%
2.00%
1.95%
1.90%
12 months 1.90%
1.80%
1.75%
1.70%
Minimum deposit amount: USD2,000 or above
Tenor
3 month
HSBC Jade (p.a.)
2.10%
HSBC Premier (p.a.)
2.00%
HSBC Advance (p.a.)
1.95%
Others (p.a.)
1.90%
Tenor
6 months
HSBC Jade (p.a.)
2.10%
HSBC Premier (p.a.)
2.00%
HSBC Advance (p.a.)
1.95%
Others (p.a.)
1.90%
Tenor
12 months
HSBC Jade (p.a.)
1.90%
HSBC Premier (p.a.)
1.80%
HSBC Advance (p.a.)
1.75%
Others (p.a.)
1.70%

RMB New Fund Time Deposit - branch/phone-banking offer

Minimum deposit amount: RMB500,000 or above2

Tenor

HSBC Jade (p.a.)

HSBC Premier (p.a.)

HSBC Advance (p.a.)

Others (p.a.)

1 month

1.60%

1.50%

1.45%

1.45%

3 months

2.30%

2.20%

2.15%

2.15%

6 months

2.40%

2.30%

2.25%

2.25%

12 months

2.50%

2.40%

2.35%

2.35%

Minimum deposit amount: RMB500,000 or above2

Tenor

1 month

HSBC Jade (p.a.)

1.60%

HSBC Premier (p.a.)

1.50%

HSBC Advance (p.a.)

1.45%

Others (p.a.)

1.45%

Tenor

3 months

HSBC Jade (p.a.)

2.30%

HSBC Premier (p.a.)

2.20%

HSBC Advance (p.a.)

2.15%

Others (p.a.)

2.15%

Tenor

6 months

HSBC Jade (p.a.)

2.40%

HSBC Premier (p.a.)

2.30%

HSBC Advance (p.a.)

2.25%

Others (p.a.)

2.25%

Tenor

12 months

HSBC Jade (p.a.)

2.50%

HSBC Premier (p.a.)

2.40%

HSBC Advance (p.a.)

2.35%

Others (p.a.)

2.35%

Foreign Currency New Fund Time Deposit - branch/phone-banking offer

AUD (Minimum deposit amount: AUD2,000 or above)
Tenor
HSBC Jade (p.a.)
HSBC Premier (p.a.)
HSBC Advance (p.a.)
Others (p.a.)
3 months 0.70% 0.60% 0.55% 0.50%
6 months 0.70% 0.60% 0.55% 0.50%
12 months 0.70% 0.60% 0.55% 0.50%
AUD (Minimum deposit amount: AUD2,000 or above)
Tenor
3 months
HSBC Jade (p.a.)
0.70%
HSBC Premier (p.a.)
0.60%
HSBC Advance (p.a.)
0.55%
Others (p.a.)
0.50%
Tenor
6 months
HSBC Jade (p.a.)
0.70%
HSBC Premier (p.a.)
0.60%
HSBC Advance (p.a.)
0.55%
Others (p.a.)
0.50%
Tenor
12 months
HSBC Jade (p.a.)
0.70%
HSBC Premier (p.a.)
0.60%
HSBC Advance (p.a.)
0.55%
Others (p.a.)
0.50%
NZD (Minimum deposit amount: NZD2,000 or above)
Tenor
HSBC Jade (p.a.)
HSBC Premier (p.a.)
HSBC Advance (p.a.)
Others (p.a.)
3 months 0.85% 0.75% 0.70% 0.65%
6 months 0.80% 0.70% 0.65% 0.60%
12 months 0.80% 0.70% 0.65% 0.60%
NZD (Minimum deposit amount: NZD2,000 or above)
Tenor
3 months
HSBC Jade (p.a.)
0.85%
HSBC Premier (p.a.)
0.75%
HSBC Advance (p.a.)
0.70%
Others (p.a.)
0.65%
Tenor
6 months
HSBC Jade (p.a.)
0.80%
HSBC Premier (p.a.)
0.70%
HSBC Advance (p.a.)
0.65%
Others (p.a.)
0.60%
Tenor
12 months
HSBC Jade (p.a.)
0.80%
HSBC Premier (p.a.)
0.70%
HSBC Advance (p.a.)
0.65%
Others (p.a.)
0.60%
CAD (Minimum deposit amount: CAD2,000 or above)
Tenor
HSBC Jade (p.a.)
HSBC Premier (p.a.)
HSBC Advance (p.a.)
Others (p.a.)
3 months 1.30% 1.20% 1.15% 1.00%
6 months 1.40% 1.30% 1.25% 1.20%
12 months 1.50% 1.40% 1.35% 1.30%
CAD (Minimum deposit amount: CAD2,000 or above)
Tenor
3 months
HSBC Jade (p.a.)
1.30%
HSBC Premier (p.a.)
1.20%
HSBC Advance (p.a.)
1.15%
Others (p.a.)
1.00%
Tenor
6 months
HSBC Jade (p.a.)
1.40%
HSBC Premier (p.a.)
1.30%
HSBC Advance (p.a.)
1.25%
Others (p.a.)
1.20%
Tenor
12 months
HSBC Jade (p.a.)
1.50%
HSBC Premier (p.a.)
1.40%
HSBC Advance (p.a.)
1.35%
Others (p.a.)
1.30%
GBP (Minimum deposit amount: GBP2,000 or above)
Tenor
HSBC Jade (p.a.)
HSBC Premier (p.a.)
HSBC Advance (p.a.)
Others (p.a.)
3 months 0.45% 0.35% 0.30% 0.25%
6 months 0.50% 0.40% 0.35% 0.30%
12 months 0.70% 0.60% 0.55% 0.50%
GBP (Minimum deposit amount: GBP2,000 or above)
Tenor
3 months
HSBC Jade (p.a.)
0.45%
HSBC Premier (p.a.)
0.35%
HSBC Advance (p.a.)
0.30%
Others (p.a.)
0.25%
Tenor
6 months
HSBC Jade (p.a.)
0.50%
HSBC Premier (p.a.)
0.40%
HSBC Advance (p.a.)
0.35%
Others (p.a.)
0.30%
Tenor
12 months
HSBC Jade (p.a.)
0.70%
HSBC Premier (p.a.)
0.60%
HSBC Advance (p.a.)
0.55%
Others (p.a.)
0.50%

Note:

Terms and Conditions apply. The above interest rates are indicative as of 25 October 2019 and are for reference only.  They are not guaranteed and maybe subject to revision, as per prevailing market conditions.

  1. Time deposit placement via the Bank’s phonebanking service is applicable only to “HSBC Jade” and “HSBC Premier” customers. Call:  (852) 2233 3322.
  2. Please refer to Terms and Conditions for the interest rates of deposit amount ranging from RMB20,000 to less the RMB500,000.

Foreign Exchange / Time Deposit Offers

Customers performing designated foreign exchange transaction and placing time deposit with HKD50,000 (or equivalent) or above, can enjoy preferential time deposit rate.
Minimum deposit amount : HKD50,000 (or equivalent) or above

Currency Exchanged from: All currencies acceptable by HSBC for currency exchange
Tenor Currency Exchanged to (Designated Currency) HSBC Jade (p.a.) HSBC Premier (p.a.) HSBC Advance (p.a.) Others (p.a.)
1 week Australian Dollar (AUD) 8.80% 8.70% 8.60% 8.50%
1 week Canadian Dollar (CAD) 8.00% 7.90% 7.80% 7.70%
1 week Pound Sterling (GBP) 6.50% 6.40% 6.30% 6.20%
1 week New Zealand Dollar (NZD) 8.80% 8.70% 8.60% 8.50%
1 week Renminbi (RMB) 5.50% 5.40% 5.30% 5.20%
1 week United States Dollar (USD) 6.30% 6.20% 6.10% 6.00%
1 week Hong Kong Dollar (HKD) 4.00% 3.90% 3.80% 3.70%
1 month Australian Dollar (AUD) 3.00% 2.90% 2.80% 2.70%
1 month Canadian Dollar (CAD) 2.30% 2.20% 2.10% 2.00%
1 month Pound Sterling (GBP) 2.00% 1.90% 1.80% 1.70%
1 month New Zealand Dollar (NZD) 3.00% 2.90% 2.80% 2.70%
1 month Renminbi (RMB) 4.00% 3.90% 3.80% 3.70%
1 month United States Dollar (USD) 2.30% 2.20% 2.10% 2.00%
1 month Hong Kong Dollar (HKD) 2.00% 1.90% 1.80% 1.70%
Currency Exchanged from: All currencies acceptable by HSBC for currency exchange
Tenor 1 week
Currency Exchanged to (Designated Currency) Australian Dollar (AUD)
HSBC Jade (p.a.) 8.80%
HSBC Premier (p.a.) 8.70%
HSBC Advance (p.a.) 8.60%
Others (p.a.) 8.50%
Tenor 1 week
Currency Exchanged to (Designated Currency) Canadian Dollar (CAD)
HSBC Jade (p.a.) 8.00%
HSBC Premier (p.a.) 7.90%
HSBC Advance (p.a.) 7.80%
Others (p.a.) 7.70%
Tenor 1 week
Currency Exchanged to (Designated Currency) Pound Sterling (GBP)
HSBC Jade (p.a.) 6.50%
HSBC Premier (p.a.) 6.40%
HSBC Advance (p.a.) 6.30%
Others (p.a.) 6.20%
Tenor 1 week
Currency Exchanged to (Designated Currency) New Zealand Dollar (NZD)
HSBC Jade (p.a.) 8.80%
HSBC Premier (p.a.) 8.70%
HSBC Advance (p.a.) 8.60%
Others (p.a.) 8.50%
Tenor 1 week
Currency Exchanged to (Designated Currency) Renminbi (RMB)
HSBC Jade (p.a.) 5.50%
HSBC Premier (p.a.) 5.40%
HSBC Advance (p.a.) 5.30%
Others (p.a.) 5.20%
Tenor 1 week
Currency Exchanged to (Designated Currency) United States Dollar (USD)
HSBC Jade (p.a.) 6.30%
HSBC Premier (p.a.) 6.20%
HSBC Advance (p.a.) 6.10%
Others (p.a.) 6.00%
Tenor 1 week
Currency Exchanged to (Designated Currency) Hong Kong Dollar (HKD)
HSBC Jade (p.a.) 4.00%
HSBC Premier (p.a.) 3.90%
HSBC Advance (p.a.) 3.80%
Others (p.a.) 3.70%
Tenor 1 month
Currency Exchanged to (Designated Currency) Australian Dollar (AUD)
HSBC Jade (p.a.) 3.00%
HSBC Premier (p.a.) 2.90%
HSBC Advance (p.a.) 2.80%
Others (p.a.) 2.70%
Tenor 1 month
Currency Exchanged to (Designated Currency) Canadian Dollar (CAD)
HSBC Jade (p.a.) 2.30%
HSBC Premier (p.a.) 2.20%
HSBC Advance (p.a.) 2.10%
Others (p.a.) 2.00%
Tenor 1 month
Currency Exchanged to (Designated Currency) Pound Sterling (GBP)
HSBC Jade (p.a.) 2.00%
HSBC Premier (p.a.) 1.90%
HSBC Advance (p.a.) 1.80%
Others (p.a.) 1.70%
Tenor 1 month
Currency Exchanged to (Designated Currency) New Zealand Dollar (NZD)
HSBC Jade (p.a.) 3.00%
HSBC Premier (p.a.) 2.90%
HSBC Advance (p.a.) 2.80%
Others (p.a.) 2.70%
Tenor 1 month
Currency Exchanged to (Designated Currency) Renminbi (RMB)
HSBC Jade (p.a.) 4.00%
HSBC Premier (p.a.) 3.90%
HSBC Advance (p.a.) 3.80%
Others (p.a.) 3.70%
Tenor 1 month
Currency Exchanged to (Designated Currency) United States Dollar (USD)
HSBC Jade (p.a.) 2.30%
HSBC Premier (p.a.) 2.20%
HSBC Advance (p.a.) 2.10%
Others (p.a.) 2.00%
Tenor 1 month
Currency Exchanged to (Designated Currency) Hong Kong Dollar (HKD)
HSBC Jade (p.a.) 2.00%
HSBC Premier (p.a.) 1.90%
HSBC Advance (p.a.) 1.80%
Others (p.a.) 1.70%

Note:

Terms and Conditions apply. The above interest rates are indicative as of 11 November 2019 and are for reference only.  They are not guaranteed and maybe subject to revision, as per prevailing market conditions.

Frequently Asked Questions (FAQs)

Place a Time Deposit now

Contact us

Log on to Personal Internet Banking or on your HSBC HK Mobile Banking App*

HSBC Jade and Premier customers

(852) 2233 3322

*Real-time Placement Hours:

Mon to Fri 08:00 - 19:00 (HKT).

Instruction Submission Hours: 

Mon to Sat 24 hours (HKT)

Sun 06:00 - 00:00 (HKT)

 

Any time deposit placement instruction submitted beyond real-time placement hours will be executed on the next business day1. The interest rate is indicative only during instruction submission.

1 "Business Day" means a day, other than a Saturday, Sunday or public holiday, on which banks are open for general business in Hong Kong.

Risk Disclosure

Currency conversion risk – the value of your foreign currency and RMB deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency and RMB deposit to other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversion to that foreign currency and RMB, you may suffer loss in principal.