10萬港元定期存款10間銀行大比併 邊間銀行優惠利率最高?

文: U Magazine
2024.01.22

近期香港及內地嘅股市都走勢疲弱,樓市亦持續低迷,經濟氣氛未見好轉,都係儲多個錢傍身!想穩陣,不如考慮去銀行做定期存款,假設現時手上有10萬元想做定期,究竟近期邊間銀行嘅定存利息比較高呢?我哋比較咗10間銀行嘅3個月、6個月及12個月定期存款優惠利率,而仲有個別銀行推出一啲如新開戶優惠,利率更加高呀!詳情當然最好睇返該銀行嘅官網喇!

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10 萬港元定期存款優惠利率(厘)

銀行3個月6個月12個月
匯豐43.9
渣打4.14.053.4
恒生4.34
中銀4.34.23.4
東亞    4.354.23.9
星展4.154.23.85
中信銀行(國際)4.53(最高)4.38    (最高)4.18(最高)
南洋商業4.34.23.95
大眾    4.354.153.95
招商永隆4.24.13.9

個別銀行高息優惠

1.東亞銀行新開戶   3個月4.5厘
若全新申請東亞銀行顯卓理財戶口有迎新定存優惠,3個月可享最高4.5厘,存款金額10萬元起,上限1,000萬元。假設存10萬元,賺息約1,125元;按上限1,000萬元計算,預計賺約112,500元。

東亞銀行
網址:https://www.hkbea.com/html/tc/bea-personal-banking-supremeGold-welcome-offer.html

2.南洋商業銀行   3個月4.4厘
南洋商業銀行推出智優息高息定期存款(新資金),以10萬元入場有4.4厘,如果有100萬或以上資金做3 個月定存,現有「南商理財」戶口可享4.5厘,全新「南商理財」戶口可享4.6厘。

南洋商業銀行
網址:https://www.ncb.com.hk/nanyang_bank/popup1/ncbinfo.html

3.工銀亞洲銀行期間限定   3個月有5厘
工銀亞洲推出「新客戶及定期存款推廣」,開戶迎新3個月港元定期最高5厘,但優惠只適用於該行零售個人新客戶,透過手機銀行「e定存」開戶首10萬元嘅3個月定期存款。而每筆定期存款須為1,000元或以上。假設存10萬元,3個月賺息1,250元,推廣期為即日至2024年3月28日。

工銀亞洲
網址:https://www.icbcasia.com/hk/tc/promotion/new-customer-and-time-deposit-promotion.html#remark

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