Step Up Time Deposit

Receive more interest return through stepping up your interest rate

If you are looking for higher interest rates that boost your finances a 'step up', try a Step Up Time Deposit account. With a base interest rate that closely follows current market trends and competitive mark-up rates to bring you more rewarding returns.

Alternative to conventional time deposits

	Interest = Base Rate + Mark-Up Rate
	Base Rate: A floating rate that closely follows market trends and that is adjusted on each interest review day
	Mark-Up Rate: Up to 2.72%p.a.*
	Interest is payable after each Interest Review Period

Simply open a 6, 9 or 12-month Step Up Time Deposit with new funds at a minimum amount of HKD100,000 to capture the double interest returns.

Illustrative example for a tenor of a 12-month deposit period:

Deposit Period	Base Rate (p.a.)*	Mark-Up Rate (p.a.)*	Total Interest Rate (p.a.)
1st -3rd month	0.08%	0.20%	0.28%
4th -6th month	0.09%	0.37%	0.46%
7th -9th month	0.09%	0.47%	0.56%
10th month	0.09%	0.92%	1.01%
11th month	0.09%	1.77%	1.86%
12th month	0.09%	2.72%	2.81%

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Note *: The interest rates above are for reference only. The Base Rate featured for the 1st to 3rd months and the Mark-Up rate for the whole tenor are quoted with reference to the time deposit rate offered by
China Construction Bank (Macau) on March 18, 2010. The Base Rates for the 4th to 12th months are illustrative examples, and are for reference only.