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Time Deposit

Build your wealth at ease with higher returns.

HSBC Time Deposit

Enjoy high-interest rate time deposit and grow your wealth without worries.

Put your money away for a set time and earn a higher rate of interest than you would in a savings account.

Benefits and services

  • Customers who do not need immediate access to their funds and would like to earn higher rates of interest than those of a savings account
  • Deposit tenors range from seven day to 12 months
  • Macau Pataca, Hong Kong Dollar or other foreign currency are available for time deposit, minimum deposit size of MOP/HKD5,000
  • Access your account via branches, HSBC phonebanking or Internet Banking
  • Choose from a number of renewal options when your time deposit matures

Foreign Exchange & Time Deposit Offer

Exchange currencies and place them in time deposit to enjoy up to 3.95% p.a. preferential interest rate via branch and phone banking.
T&Cs apply. Currency conversion involves risk.

Exclusive New Fund Time Deposit Offers – Branch / Phone Banking Offer

Currency Tenor Preferential Rate
MOP 3 months 3.15% p.a.
MOP 6 months 3.30% p.a.
MOP 12 months 3.10% p.a.
HKD 3 months 3.45% p.a.
HKD 6 months 3.50% p.a.
HKD 12 months 3.30% p.a.
USD 3 months 4.35% p.a.
USD 6 months 4.30% p.a.
USD 12 months

4.10% p.a.

 
Currency MOP
Tenor 3 months
Preferential Rate 3.15% p.a.
Currency MOP
Tenor 6 months
Preferential Rate 3.30% p.a.
Currency MOP
Tenor 12 months
Preferential Rate 3.10% p.a.
Currency HKD
Tenor 3 months
Preferential Rate 3.45% p.a.
Currency HKD
Tenor 6 months
Preferential Rate 3.50% p.a.
Currency HKD
Tenor 12 months
Preferential Rate 3.30% p.a.
Currency USD
Tenor 3 months
Preferential Rate 4.35% p.a.
Currency USD
Tenor 6 months
Preferential Rate 4.30% p.a.
Currency USD
Tenor 12 months
Preferential Rate

4.10% p.a.

 

Notes:

* Preferential rate only applies to new funds and the minimum deposit amount must not less than MOP100,000/HKD100,000/USD12,000.

* The promotional period is from 1 Jan 2024 to 31 Dec 2024, both dates are inclusive ("Promotional Period").

* The above promotion does not constitute any investment advice and subject to Terms and Conditions.

* Terms and Conditions apply. The above interest rates are indicative as of 18 Apr 2024 and are for reference only.  They are not guaranteed and maybe subject to revision, as per prevailing market conditions. The interest rates are subject to revision as per prevailing market conditions. Deposits in different currencies, tenors and amount will have different preferential time deposit interest rates. We will confirm and advise you the applicable interest rate at the time when the time deposit is placed. For the latest interest rates, please contact our branch staff.

Time Deposit

Time Deposit interest rate as of 18 Apr 2024

MOP Time Deposit Interest Rate (p.a.)
Tenor 1 month 3 months 6 months 12 months
Below MOP 250,000 0.70% 0.72% 0.74% 0.74%
MOP 250,000 to MOP 999,999 0.70% 0.72% 0.74% 0.74%
MOP 1,000,000 or above 0.74% 0.76% 0.78% 0.78%
MOP Time Deposit Interest Rate (p.a.)
Tenor Below MOP 250,000
1 month 0.70%
3 months 0.72%
6 months 0.74%
12 months 0.74%
Tenor MOP 250,000 to MOP 999,999
1 month 0.70%
3 months 0.72%
6 months 0.74%
12 months 0.74%
Tenor MOP 1,000,000 or above
1 month 0.74%
3 months 0.76%
6 months 0.78%
12 months 0.78%
HKD Time Deposit Interest Rate (p.a.)
Tenor 1 month 3 months 6 months 12 months
Below HKD 250,000 0.875% 0.90% 0.925% 0.925%
HKD 250,000 to HKD 999,999 0.875% 0.90% 0.925% 0.925%
HKD 1,000,000 or above 0.925% 0.95% 0.975% 0.975%
HKD Time Deposit Interest Rate (p.a.)
Tenor Below HKD 250,000
1 month 0.875%
3 months 0.90%
6 months 0.925%
12 months 0.925%
Tenor HKD 250,000 to HKD 999,999
1 month 0.875%
3 months 0.90%
6 months 0.925%
12 months 0.925%
Tenor HKD 1,000,000 or above
1 month 0.925%
3 months 0.95%
6 months 0.975%
12 months 0.975%
CNY Time Deposit Interest Rate (p.a.)
Tenor 1 month 3 months 6 months 12 months
Below CNY 250,000 0.25% 0.30% 0.30% 0.35%
CNY 250,000 to CNY 999,999 0.25% 0.30% 0.30% 0.35%
CNY 1,000,000 or above 0.30% 0.35% 0.35% 0.40%
CNY Time Deposit Interest Rate (p.a.)
Tenor Below CNY 250,000
1 month 0.25%
3 months 0.30%
6 months 0.30%
12 months 0.35%
Tenor CNY 250,000 to CNY 999,999
1 month 0.25%
3 months 0.30%
6 months 0.30%
12 months 0.35%
Tenor CNY 1,000,000 or above
1 month 0.30%
3 months 0.35%
6 months 0.35%
12 months 0.40%

Risk Disclosure:

* Currency conversion risk – the value of your foreign currency, HKD and RMB deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency, HKD 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, HKD and RMB, you may suffer loss in principal.

* The above interest rates are for reference only and are subject to related Terms & Conditions. The interest rates are subject to revision as per prevailing market conditions. Deposits in different currencies, tenors and amount will have different preferential time deposit interest rates. We will confirm and advise you the applicable interest rate at the time when the time deposit is placed. For the latest interest rates, please contact our branch staff.

Important Information

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