USD Time Deposit & Checking/ Savings Deposit Bundled Offer

3-month Time Deposit Interest Rate of 7.38% p.a.

Seize the opportunity to enjoy USD Time Deposit & Checking/ Savings Deposit Bundled Offer! Simply visit our branches on or before March 31, 2026 to place a 3-month USD Time Deposit using new funds or exchanged USD funds through the Bank (“Designated USD deposits”)1, simultaneously deposit the same amount or more into USD Checking/ Savings Deposit Account2 and retain the Checking/ Savings Deposit until the Time Deposit maturity date, and fulfill applicable requirements, to enjoy:
3-Month USD Time Deposit Interest Rate (p.a.)
Remark: The total deposit amount (Time Deposit and Checking/ Savings Deposit):
From US$100,000 to US$2,000,000
Taking US$100,000 new funds as an example
US$100,000 new funds
USD Time Deposit
US$50,000 (50%)

Place a 3-month USD Time Deposit with US$50,000 to enjoy interest rate (p.a.)

USD Savings Deposit
US$50,000 (50%)
Simultaneously deposit US$50,000 or more into designated USD Checking/ Savings Deposit account2

&

Retain the Checking/ Savings Deposit until the Time Deposit maturity date
Act Now!
Remarks:
  1. Designated USD deposits include:
    1. New Funds; or
    2. Exchanged USD funds within 3 Business Days prior to the Time Deposit set up date (including the Time Deposit set up date) via Mobile Banking, Online Banking, customers visiting our branches.
    “New Funds” refers to the incremental balance when comparing the latest Total Deposit Balance with the day end Total Deposit Balance as of 3 calendar days ago (T-3 day), after deduction of the sum of principal amount (if applicable) which has been entitled to new fund offer of Time Deposit within the latest 3 calendar days (T day, T-1 day and T-2 day), where T day is today:
    1. Total Deposit Balance refers to the available balance of all deposit accounts, including Savings Accounts and/or Checking Accounts and Time Deposits of Hong Kong Dollar and foreign currencies (whether accounts in sole name or as primary holder of joint name accounts).
    2. The Bank reserves the right of final decision should there be any dispute in the definition of New Funds.
    Eligible New Fund Balance affected by individual factors, mainly include 1) the check deposit cut off time on the check deposit day and 2) public holiday, long weekend and the day fall into typhoon. Please refer to the detail and examples on the time deposit product page on our website or contact our bank staff for more details.
  2. USD Checking/ Savings Deposit account includes USD Checking/ Savings Account or Multi-Currency Statement Savings Account.
Please click here for more details on the Terms and Conditions.
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Risk Disclosure

Currency Exchange
Currency exchange involves bid-ask spread.

Exchange Rate Risk
Currency exchange rates are affected by a wide range of factors, including national and international financial and economic conditions and political and natural events. The effect of normal market force may at times be countered by intervention by central banks and other bodies. At times, exchange rates, and price linked to such rates, may rise or fall rapidly. The fluctuations in the exchange rate of a foreign currency may result in losses in the event that you convert HKD to any foreign currency or vice versa.