Fixed Deposit Calculator — Hong Kong
Calculate your fixed-deposit maturity value and interest in HKD at current rates. No signup, no tracking.
Fixed deposit rates in Hong Kong (2026)
HKD time deposit ≈ 2.5–3.5% for 1-yr. USD deposits often higher. Top rates at virtual banks: ZA Bank, Mox, livi, WeLab.
At around 2.5%, the fixed-deposit rate in Hong Kong is on the low side by international standards.
Reference figures, ~2026. FD interest is often taxable and rates vary by bank and tenure - verify the current rate before depositing.
Worked example
For every HK$100,000 deposited at 2.50% for 5 years (quarterly compounding):
- Maturity value: HK$113,271
- Interest earned: HK$13,271
Scale to your deposit amount. Longer tenures and higher rates grow the maturity value; compare banks before locking in.
How to get the best fixed-deposit return in Hong Kong
- Compare several banks - smaller and digital banks often pay more than the big high-street names.
- Ladder your deposits across different tenures so some matures regularly and you can reinvest at new rates.
- Check how often interest compounds; more frequent compounding grows the maturity value.
- Factor in tax on the interest, and compare against short-term government bills or bonds.
Frequently Asked Questions
How is FD maturity calculated in Hong Kong?
Maturity = P × (1 + r/4)^(4n) for quarterly compounding, where P is the deposit, r the annual rate and n the years. fin·calc uses this standard method.
What is the current FD rate in Hong Kong?
As a 2026 reference, fixed-deposit rates are around 2.5% per year, varying by bank and tenure. HKD time deposit ≈ 2.5–3.5% for 1-yr. USD deposits often higher. Top rates at virtual banks: ZA Bank, Mox, livi, WeLab.
Is FD interest taxable in Hong Kong?
In most countries FD interest is taxable as income; some offer tax-advantaged or senior-citizen options. Check your local rules - the calculator shows the pre-tax maturity value.
Is a fixed deposit safe in Hong Kong?
Fixed deposits carry no market risk. In Hong Kong, deposits are protected by the Deposit Protection Scheme up to HK$800,000 per depositor, per Scheme member. They trade higher safety for lower long-term returns than equities.
Should I choose a fixed deposit or invest instead in Hong Kong?
A fixed deposit gives a guaranteed return and suits money you cannot afford to risk. Investing targets higher long-term growth but can fall in value. Many people keep an FD for safety and invest separately for growth.
Related calculators
More money tools
Sources
Deposit rates are compiled from each country's central-bank publications and the typical offerings of its major banks, reviewed for 2026 and subject to change — always confirm the current rate with your bank before depositing. See our methodology and editorial policy for how we source and update this data.