港元定期 7間高息銀行年利率比較 最底門檻5萬蚊入場 1年賺$2,025!

文: U Magazine
2023.07.07

近年不少銀行都推出高利率港元定期存款的優惠,不少都超過4厘,而且入場費低,最低5萬蚊就可以,放一年就賺2千蚊,低風險又好過做普通銀行存款,諗得過!

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大部分做港元定期存款超過4厘的銀行,都要求客戶於網上開戶,而且大行及發鈔銀行普遍年利率都較低,不過星展銀行剛剛推出的網上定存優惠,6個月或12個月都有4.05厘,存款額最低5萬蚊就可以!即是將5萬蚊放1年就可以賺$2,025,相當不錯!

銀行港元定期年利率比較
銀行存款期年利率最低(及最高)存款備註
星展

1個月

2個月

3/4個月

6/12個月

2.5%

3%

4%

4.05%

5萬元或以上於網上開立定期存款戶口
東亞

3個月

6個月

12個月

3.85%

3.95%

4.05%

10-1,000萬(新資金) 
創興

3個月

6個月

9個月

12個月

4%

3.65%

3.45%

3.4%

5,000-499,999個人客戶經創興網上銀行/流動理財設立定期存款
華僑永亨

6個月

288日

388日

4.2%

4.3%

4.45%

50萬或以上(新資金) 
富邦

1個月

2個月

3/6/12個月

3.5%

3.8%

4.1%

50萬元或以上(新資金)Fubon+手機應用程式限定
工銀亞洲

3個月

6個月

12個月

3.95%

3.65%

3.55%

5萬元或以上辦公時間內,透過網上銀行或手機銀行開立定期存款
建行亞洲

1個月

3個月

3.5%

4.4%

500萬元或以下透過致電分行/客戶經理或親臨分行開立全新的戶口

*以上年利率為各銀行官網7月6日的資料

text/ Katty
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