Time Deposit Calculator — Hong Kong
Calculate your fixed-deposit maturity value and interest in HKD at current rates. No signup, no account needed.
Enter a deposit amount, a rate between 0% and 100%, and a term above zero (up to 50 years) to see results.
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$150,000 deposited at 2.50% for 5 years (quarterly compounding):
- Maturity value: HK$169,906
- Interest earned: HK$19,906
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.
A real-data rate check: 12-month HKD fixed deposits in Hong Kong (2026)
Many online calculators default to a generic 2-3% or copy a single promotional headline, but the real spread in Hong Kong is huge. HSBC's own published deposit-rate schedule lists its standard 12-month HKD time deposit board rate at just 0.150% p.a. across every balance tier, from HK$10,000 up to HK$1,000,000+ (HSBC Hong Kong, Deposit Rate page, accessed September 2026). That is the rate a general walk-in or online customer actually gets from a major bank's counter rate unless they negotiate a special or relationship-tier rate.
At the other end, more competitively priced banks publish meaningfully higher standard (non new-money-only) rates. According to StashAway Hong Kong's rate tracker, updated 14 September 2026, Standard Chartered Hong Kong offers 2.80% p.a. on a 12-month HKD time deposit with a minimum of just HK$10,000, and this is listed as a standard table rate rather than a limited new-funds promotion. Virtual banks such as AirStar Bank (3.10% p.a.) and Fusion Bank (3.00% p.a.) sit even higher, but those products serve a narrower, more rate-sensitive customer base than a traditional bank counter rate. Big three incumbents like Bank of China (Hong Kong) mainly advertise their better pricing through "new fund" promotional tiers capped at 3 or 6 months, with no disclosed 12-month promotional rate as of their current promotion page.
A more realistic example: given this spread between a big bank's rock-bottom board rate (0.15%) and a more competitively priced standard rate (2.8%), a sensible default for a general-population calculator sits in between, around 2.5% p.a., reflecting what an ordinary depositor comparing a few banks (not chasing the single best promo) could reasonably lock in for a plain 12-month HKD fixed deposit. Using A = P(1+r/n)^(nt) with annual compounding (n = 1): depositing HK$100,000 at 2.5% p.a. for 1 year gives A = 100,000 × (1 + 0.025/1)^(1×1) = HK$102,500, or HK$2,500 in interest. Extending the same deposit to 3 years (rolled over annually at the same rate) gives A = 100,000 × (1.025)^3 = HK$107,689.06, or HK$7,689.06 in total interest — noticeably less than the roughly HK$8,400 a naive 2.8% assumption would imply, which is exactly the kind of gap real bank data helps this calculator avoid.
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.
Why does this calculator default to 2.5% instead of a bank's advertised top rate like 3.10%?
The 3.10% figures quoted by comparison sites (e.g. StashAway HK, updated 14 September 2026) usually come from virtual banks such as AirStar Bank, which serve a narrower customer base than a traditional bank counter deposit. Meanwhile, HSBC's own published board rate for a standard 12-month HKD time deposit is only 0.150% p.a. across all balance tiers. A 2.5% default sits closer to what a general depositor comparing a few mainstream and mid-tier banks (like Standard Chartered's standard 2.80% p.a. rate) could realistically obtain, without assuming everyone gets the single best promotional offer in the market.
Do Hong Kong banks give the same fixed deposit rate to every customer?
No. HSBC's deposit rate page shows the same low 0.150% p.a. board rate whether you deposit HK$10,000 or over HK$1,000,000, but banks frequently offer separate, higher 'new funds' or relationship-tier promotional rates to Premier, Prestige, or Private Wealth customers that are not shown on the general public rate sheet. Bank of China (Hong Kong)'s New Fund Preferential Time Deposit promotion, for example, is restricted to customers with an Integrated Account Service and 'eligible new fund' balances, and even then only covers 3- and 6-month tenors, with no 12-month HKD rate disclosed.
How much does a higher published rate like Standard Chartered's 2.80% actually earn on a 12-month deposit?
Using A = P(1+r/n)^(nt) with n = 1 (annual compounding), a HK$100,000 deposit at Standard Chartered's standard 2.80% p.a. rate (as tracked by StashAway HK on 14 September 2026) grows to 100,000 × 1.028 = HK$102,800 after one year, i.e. HK$2,800 in interest — about HK$300 more than the same deposit at this calculator's 2.5% default rate, and roughly HK$2,650 more than HSBC's 0.150% board rate would produce (HK$150 interest) on the same amount.
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.
Additional sources for this page
HSBC Hong Kong (accessed September 2026): HK dollar time deposit rates schedule, all tiers. StashAway Hong Kong (14 September 2026): Best HKD time deposit interest rates comparison, 12-month tenor. See our methodology and editorial policy for how we source and update this data.