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Deposit Offers

Preferential New Fund Time Deposit Rates

We have changed the eligibility criteria to enjoy preferential new fund time deposit rates. Details can be found within the page.

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

"Eligible New Fund Amount" is the net increase in your latest total balance (across all your deposit accounts) compared to the balance as at 7 calendar days ago. This amount is calculated in HKD. If you have placed time deposit(s) with new funds in the past 7 calendar days, that time deposit amount will not be included as part of your latest total balance for calculating the Eligible New Fund Amount.

You can refer to our illustrative examples for the calculation of eligible new fund amount.

To learn more about the online offer, please refer to our Frequently Asked Questions (FAQs).

Preferential HKD New Fund Time Deposit Rates – online offer

Minimum deposit amount: HKD10,000 or above
Tenor
Time Deposit Interest Rates (p.a.)
3 months
3.60%
6 months
3.50%
Minimum deposit amount: HKD10,000 or above
Tenor
3 months
Time Deposit Interest Rates (p.a.)
3.60%
Tenor
6 months
Time Deposit Interest Rates (p.a.)
3.50%

Preferential USD New Fund Time Deposit Rates – online offer

Minimum deposit amount: USD2,000 or above
Tenor
Time Deposit Interest Rates (p.a.)
3 months
4.00%
6 months
4.00%
12 months 3.60%
Minimum deposit amount: USD2,000 or above
Tenor
3 months
Time Deposit Interest Rates (p.a.)
4.00%
Tenor
6 months
Time Deposit Interest Rates (p.a.)
4.00%
Tenor
12 months
Time Deposit Interest Rates (p.a.)
3.60%

Preferential RMB New Fund Time Deposit Rates – online offer

Minimum deposit amount: RMB10,000 or above
Tenor Time Deposit Interest Rates (p.a.)
3 months 1.60%
6 months 1.80%
12 months 1.80%
Minimum deposit amount: RMB10,000 or above
Tenor 3 months
Time Deposit Interest Rates (p.a.) 1.60%
Tenor 6 months
Time Deposit Interest Rates (p.a.) 1.80%
Tenor 12 months
Time Deposit Interest Rates (p.a.) 1.80%

Preferential Foreign Currency New Fund Time Deposit Rates – online offer

AUD

Minimum deposit amount: AUD 2,000 or above
Tenor Time Deposit Interest Rates (p.a.)
3 months 2.30%
6 months 2.60%
12 months 2.80%
Minimum deposit amount: AUD 2,000 or above
Tenor 3 months
Time Deposit Interest Rates (p.a.) 2.30%
Tenor 6 months
Time Deposit Interest Rates (p.a.) 2.60%
Tenor 12 months
Time Deposit Interest Rates (p.a.) 2.80%

NZD

Minimum deposit amount: NZD2,000 or above
Tenor Time Deposit Interest Rates (p.a.)
3 months 2.30%
6 months
2.70%
12 months
3.00%
Minimum deposit amount: NZD2,000 or above
Tenor 3 months
Time Deposit Interest Rates (p.a.) 2.30%
Tenor 6 months
Time Deposit Interest Rates (p.a.) 2.70%
Tenor 12 months
Time Deposit Interest Rates (p.a.) 3.00%

CAD

Minimum deposit amount: CAD2,000 or above
Tenor Time Deposit Interest Rates (p.a.)
3 months
2.40%
6 months
2.60%
12 months
2.80%
Minimum deposit amount: CAD2,000 or above
Tenor 3 months
Time Deposit Interest Rates (p.a.) 2.40%
Tenor 6 months
Time Deposit Interest Rates (p.a.) 2.60%
Tenor 12 months
Time Deposit Interest Rates (p.a.) 2.80%

GBP

Minimum deposit amount: GBP2,000 or above
Tenor Time Deposit Interest Rates (p.a.)
3 months
2.10%
6 months
2.40%
12 months
2.70%
Minimum deposit amount: GBP2,000 or above
Tenor 3 months
Time Deposit Interest Rates (p.a.) 2.10%
Tenor 6 months
Time Deposit Interest Rates (p.a.) 2.40%
Tenor 12 months
Time Deposit Interest Rates (p.a.) 2.70%

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

Minimum deposit amount: HKD10,000 or above
Tenor
Time Deposit Interest Rates (p.a.)
3 months
3.60%
6 months
3.50%
Minimum deposit amount: HKD10,000 or above
Tenor
3 months
Time Deposit Interest Rates (p.a.)
3.60%
Tenor
6 months
Time Deposit Interest Rates (p.a.)
3.50%

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

Minimum deposit amount: USD2,000 or above
Tenor
Time Deposit Interest Rates (p.a.)
3 months
4.00%
6 months
4.00%
12 months 3.60%
Minimum deposit amount: USD2,000 or above
Tenor
3 months
Time Deposit Interest Rates (p.a.)
4.00%
Tenor
6 months
Time Deposit Interest Rates (p.a.)
4.00%
Tenor
12 months
Time Deposit Interest Rates (p.a.)
3.60%

Preferential RMB New Fund Time Deposit Rates – branch/phone-banking offer

Minimum deposit amount: RMB10,000 or above
Tenor
Time Deposit Interest Rates (p.a.)
3 months
1.60%
6 months
1.80%
12 months
1.80%
Minimum deposit amount: RMB10,000 or above
Tenor
3 months
Time Deposit Interest Rates (p.a.)
1.60%
Tenor
6 months
Time Deposit Interest Rates (p.a.)
1.80%
Tenor
12 months
Time Deposit Interest Rates (p.a.)
1.80%

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

AUD

Minimum deposit amount: AUD 2,000 or above
Tenor Time Deposit Interest Rates (p.a.)
3 months 2.30%
6 months 2.60%
12 months 2.80%
Minimum deposit amount: AUD 2,000 or above
Tenor 3 months
Time Deposit Interest Rates (p.a.) 2.30%
Tenor 6 months
Time Deposit Interest Rates (p.a.) 2.60%
Tenor 12 months
Time Deposit Interest Rates (p.a.) 2.80%

NZD

Minimum deposit amount: NZD2,000 or above
Tenor Time Deposit Interest Rates (p.a.)
3 months 2.30%
6 months
2.70%
12 months
3.00%
Minimum deposit amount: NZD2,000 or above
Tenor 3 months
Time Deposit Interest Rates (p.a.) 2.30%
Tenor 6 months
Time Deposit Interest Rates (p.a.) 2.70%
Tenor 12 months
Time Deposit Interest Rates (p.a.) 3.00%

CAD

Minimum deposit amount: CAD2,000 or above
Tenor
Time Deposit Interest Rates (p.a.)
3 months 2.40%
6 months
2.60%
12 months
2.80%
Minimum deposit amount: CAD2,000 or above
Tenor
3 months
Time Deposit Interest Rates (p.a.) 2.40%
Tenor
6 months
Time Deposit Interest Rates (p.a.) 2.60%
Tenor
12 months
Time Deposit Interest Rates (p.a.) 2.80%

GBP

Minimum deposit amount: GBP2,000 or above
Tenor Time Deposit Interest Rates (p.a.)
3 months 2.10%
6 months
2.40%
12 months
2.70%
Minimum deposit amount: GBP2,000 or above
Tenor 3 months
Time Deposit Interest Rates (p.a.) 2.10%
Tenor 6 months
Time Deposit Interest Rates (p.a.) 2.40%
Tenor 12 months
Time Deposit Interest Rates (p.a.) 2.70%

Note:

Terms and Conditions apply. The above interest rates are indicative as of 5 Mar 2024 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 Premier Elite" and “HSBC Premier” customers. Call (852) 2233 3033 or (852) 2233 3322 respectively.

Foreign Exchange & Time Deposit Offer

Customers exchanging to currencies below and placing the fund into a 1-week or 1-month time deposit can enjoy preferential time deposit rates. Applicable to mobile banking, branch and phone banking.

From now until 31 March 2024, customers can enjoy a bonus deposit rate of +1.0% p.a. on top of prevailing 1-week time deposit rates when exchanging via mobile banking under this offer. Learn more

Minimum deposit amount : HKD10,000/ RMB10,000/ 2,000 units in other currencies (AUD/ CAD/ GBP/ NZD/ EUR/ USD)

Preferential Interest Rate:

Currency Exchanged from: All currencies acceptable by HSBC for currency exchange
Tenor
Currency Exchanged to (Designated Currency) 
Interest Rates via Mobile Banking (p.a.)
Interest Rates via Branch / Phone Banking (p.a.)
1 week
Australian Dollar (AUD)
13.00% 12.00%
1 week
Canadian Dollar (CAD)
13.00% 12.00%
1 week
Pound Sterling (GBP)
13.50% 12.50%
1 week
New Zealand Dollar (NZD) 13.00% 12.00%
1 week
Renminbi (RMB)
12.00% 11.00%
1 week Euro (EUR) Not applicable
7.00%
1 week
United States Dollar (USD)
9.00% 8.00%
1 week
Hong Kong Dollar (HKD)
9.00% 8.00%
1 month
Australian Dollar (AUD) 3.50% 3.50%
1 month
Canadian Dollar (CAD)
3.80% 3.80%
1 month
Pound Sterling (GBP)
3.50% 3.50%
1 month
New Zealand Dollar (NZD)
3.50% 3.50%
1 month
Renminbi (RMB)
3.50% 3.50%
1 month Euro (EUR) Not applicable
3.00%
1 month
United States Dollar (USD)
4.50% 4.50%
1 month
Hong Kong Dollar (HKD) 4.50% 4.50%
Currency Exchanged from: All currencies acceptable by HSBC for currency exchange
Tenor
1 week
Currency Exchanged to (Designated Currency) 
Australian Dollar (AUD)
Interest Rates via Mobile Banking (p.a.)
13.00%
Interest Rates via Branch / Phone Banking (p.a.)
12.00%
Tenor
1 week
Currency Exchanged to (Designated Currency) 
Canadian Dollar (CAD)
Interest Rates via Mobile Banking (p.a.)
13.00%
Interest Rates via Branch / Phone Banking (p.a.)
12.00%
Tenor
1 week
Currency Exchanged to (Designated Currency) 
Pound Sterling (GBP)
Interest Rates via Mobile Banking (p.a.)
13.50%
Interest Rates via Branch / Phone Banking (p.a.)
12.50%
Tenor
1 week
Currency Exchanged to (Designated Currency) 
New Zealand Dollar (NZD)
Interest Rates via Mobile Banking (p.a.)
13.00%
Interest Rates via Branch / Phone Banking (p.a.)
12.00%
Tenor
1 week
Currency Exchanged to (Designated Currency) 
Renminbi (RMB)
Interest Rates via Mobile Banking (p.a.)
12.00%
Interest Rates via Branch / Phone Banking (p.a.)
11.00%
Tenor
1 week
Currency Exchanged to (Designated Currency) 
Euro (EUR)
Interest Rates via Mobile Banking (p.a.)
Not applicable
Interest Rates via Branch / Phone Banking (p.a.)
7.00%
Tenor
1 week
Currency Exchanged to (Designated Currency) 
United States Dollar (USD)
Interest Rates via Mobile Banking (p.a.)
9.00%
Interest Rates via Branch / Phone Banking (p.a.)
8.00%
Tenor
1 week
Currency Exchanged to (Designated Currency) 
Hong Kong Dollar (HKD)
Interest Rates via Mobile Banking (p.a.)
9.00%
Interest Rates via Branch / Phone Banking (p.a.)
8.00%
Tenor
1 month
Currency Exchanged to (Designated Currency) 
Australian Dollar (AUD)
Interest Rates via Mobile Banking (p.a.)
3.50%
Interest Rates via Branch / Phone Banking (p.a.)
3.50%
Tenor
1 month
Currency Exchanged to (Designated Currency) 
Canadian Dollar (CAD)
Interest Rates via Mobile Banking (p.a.)
3.80%
Interest Rates via Branch / Phone Banking (p.a.)
3.80%
Tenor
1 month
Currency Exchanged to (Designated Currency) 
Pound Sterling (GBP)
Interest Rates via Mobile Banking (p.a.)
3.50%
Interest Rates via Branch / Phone Banking (p.a.)
3.50%
Tenor
1 month
Currency Exchanged to (Designated Currency) 
New Zealand Dollar (NZD)
Interest Rates via Mobile Banking (p.a.)
3.50%
Interest Rates via Branch / Phone Banking (p.a.)
3.50%
Tenor
1 month
Currency Exchanged to (Designated Currency) 
Renminbi (RMB)
Interest Rates via Mobile Banking (p.a.)
3.50%
Interest Rates via Branch / Phone Banking (p.a.)
3.50%
Tenor
1 month
Currency Exchanged to (Designated Currency) 
Euro (EUR)
Interest Rates via Mobile Banking (p.a.)
Not applicable
Interest Rates via Branch / Phone Banking (p.a.)
3.00%
Tenor
1 month
Currency Exchanged to (Designated Currency) 
United States Dollar (USD)
Interest Rates via Mobile Banking (p.a.)
4.50%
Interest Rates via Branch / Phone Banking (p.a.)
4.50%
Tenor
1 month
Currency Exchanged to (Designated Currency) 
Hong Kong Dollar (HKD)
Interest Rates via Mobile Banking (p.a.)
4.50%
Interest Rates via Branch / Phone Banking (p.a.)
4.50%

Note:

Terms and Conditions apply. The above interest rates are indicative as of 29 Jan 2024 and are for reference only.  They are not guaranteed and maybe subject to revision, as per prevailing market conditions.

Foreign Exchange &Time Deposit Offer for Euro (EUR) is available only via HSBC branches and HSBC’s 24-hour manned phone banking services.

Frequently Asked Questions (FAQs)

Place a Time Deposit now

Already have a time deposit account OR HSBC Premier or HSBC One customers

Real-time Placement Hours:

Mon to Fri 08:00 - 19:00 (HKT) (exclude public holiday)

Instruction Submission Hours: 

Mon to Sat 24 hours(HKT)

Sun 00:00 - 03:00, 06:00 - 00:00 (HKT)

 

Any time deposit placement instruction submitted BEYOND REAL-TIME PLACEMENT HOURS will be executed on the next real-time placement window. The INTEREST RATE IS INDICATIVE ONLY during instruction submission.

Need help?

If you are not holding an HSBC Premier or HSBC One account and you do not have an active time deposit account with us

  • On the HSBC HK App, under ‘Explore products and services’, you will find the option 'Account opening/ upgrade', which allows you to submit an application to open or upgrade to an HSBC Premier or HSBC One account with us (subject to individual customer eligibility).
  • You can then place a time deposit through our digital banking at the next business day upon successfully opening an account.

If you are new to HSBC

  • Download the HSBC HK App to open an HSBC account with us

For further enquiries, please contact us

Top up HSBC accounts via eDDA

One-time set up of an account top up instruction to link your same-name account(s) maintained at other selected local banks to your HSBC accounts, then you can easily transfer funds to top up your HSBC accounts directly through HSBC Online or Mobile Banking anytime.

Watch the video to learn more.

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.