2023-06-16 16:03:55
As the United States suspends interest rate hikes, the interest rate of Hong Kong dollar fixed deposits may peak. When the stock market rebounds, it is also worth putting part of the funds in time deposits to lock in low-risk high-interest returns.
Previous article[Ifyouhave100000yuanwouldyouliketodoaregularjob?】Listthelow-thresholdoptionsofmajorbanksThedepositthresholdinthispaperis500,000 yuanwith a longer deposit period of 3 months or more, the maximum4.4centimeters.This article adopts two simple charts, divided by new funds and existing funds, both funds have a 4% high interest rate
Is it better to use 500,000 yuan as a fixed term?
Standard Chartered 4.4% limited to designated customers
Standard Chartered’s 4.4% deposit period is available in 3 and 6 months. If you open it with a principal of 500,000 yuan, you can earn 11,000 yuan in half a year. Although this discount of 100,000 yuan of new funds can be opened, it is only limited to priority private wealth management customers with a very high threshold (total wealth management value of 8 million yuan), and the actual threshold is actually quite high.
Earn $23,280 with 4.38% interest rate
In terms of long-term interest, the highest interest rate is temporarily 4.38% of OCBC Wing Hang, but note that the deposit period is 388 days, that is, readers have to lock up funds for more than one year. If it is opened with a principal of 500,000 yuan, the full-term interest rate will exceed 23,000 yuan. This offer is only applicable to new funds of designated wealth management customers.
The bank also has the option of 4.2% for 288 days and 4% for 238 days. They are also Hongfu wealth management customers, and they can play with new funds starting from 200,000 yuan.
ICBC (Asia) 4.2%
ICBC (Asia)’s 3-month deposit period is up to 4.2%, which is a discount for new customers. The deposit amount is 100,000 to 800,000 yuan. If the principal is 500,000 yuan, the quarterly interest rate will be $5250. For existing customers, the bank also provides a maximum of 4% for 500,000 yuan, with a deposit period of 98 days. Existing customers open with new funds at the branch. The 188-day deposit period is 3.9%.
Existing funds have 4%?
Public Bank’s latest interest rate hike across the board is 4% for 12 months, 6 months and 3 months, and it is also applicable to old and new funds.
Chong Hing Bank originally only had a 4% discount for new customers, but recently existing customers have also increased their interest rates. They opened through electronic channels. The minimum deposit is 500,000 yuan, and there are 4% discounts for 1 to 3 months. This discount is for existing funds It will be all right.
Date this article was last updated: June 16, 2023
Written by: Liao Yiran
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