多間大行的港元定存減息，機管局債券預計每人派3-5手，尚有多餘資金的市民，不妨考慮不同銀行的定存。華僑銀行最新港元定存高達4.5厘，起存額為$10萬港元，存款期有1個月、3個月、6個月、12個月等選擇。即睇開立特惠年利率定存的資格，幫補一下辦年貨及派利是喇！
根據華僑銀行於2024年1月18日公布的特惠年利率，宏富理財客戶以全新10萬元資金／於個人客戶以全新50萬元資金開立港元定期存款，即可享高達4.5厘特惠年利率。存款期3個月可享高達4.5厘，至於6個月亦有4.35厘，以起存額10萬元計算，3個月可賺約$1125；6個月則可賺約$2175。個人客戶與宏富理財客戶的利率相差不多，最多可享4.4厘。
資金較有限的市民可轉為考慮虛擬銀行PAOB，定存門檻極低，只要$100。港元定存的3個月及4個月利率，同樣有4.4厘。
來源：華僑銀行、PAOB
>>年利率或會因應當時市場情況而有所更改。銀行將於開立定期存款時確定最終適用的特惠年利率。優惠受有關條款及細則約束，U Lifestyle概不負責。<<
同場加映：【今期Chill抵】最新影片
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