【Regular deposit 2025】The latest bank fixed deposit rate comparison

Fixed term deposits are a financial product, usually provided by banks, and are supported by different MMFs, such as HKD and USD. It is a method of saving money by depositing your money into a fixed term account opened by the Bank, and at a specific time (called a deposit term or an inactive loan, usually the deposit period is limited to 7 days, 1 month, 3 months, 6 months, 1 year, depending on your needs. From this point on, the deposit amount will receive an agreed interest. Once the deposit period is complete, you will be able to get back the cash and interest earned.

How do I calculate interest on a regular deposit?

The method of calculating interest on a regular deposit is as follows:

Interest = Deposit Amount × Annual Interest Rate × Number of Deposit/365 (or 366)

• Scenario

  You are entitled to deposit HKD10,000 at a bank and deposit HKD10,000 with a deposit of 365 days (one year), and the Bank offers 5% per annum.

  According to the above formula, interest is calculated as follows: Interest = 10,000 × 0.05 × 365/365 = HKD 500

  That is, your fixed deposit will earn HKD 500 in interest after one year. Moreover, different Banks or Financial Institutions have different methods and rules for calculating interest.

  Before making a term deposit, check with Banks or Financial Institutions the methods and rules of interest calculation.

Bank Fixed Deposit Rate Comparison

BaobenStructured Products Up to 8% annualized yield*

The collapse of the Hong Kong dollar (HIBOR) has continued downward since the beginning of May, as many banks have set reserve rates to shrink. Investors should look for other investment products with higher stability. Futu currently provides retail investors with different guaranteed structural products, 100% up to term cash guarantee, as low as HK$0.1 million, and annual income of up to 8% *! Moreover, unlike a structural product, it is important to understand the operational details before investing.

*Maximum 8% annualized revenue (4% actual revenue from 6 monthly limited-time products) is the highest annualized revenue from Futu Platform offering structured products, the data is as of May 22, 2025. Benefit data is provided only by reference, through the data and does not predict unearned income. Ageing income=actual income/fixed-term limitedx 12. AGEING BENEFITS ARE ATTRIBUTABLE ONLY TO THE NATURE OF THE HOLIDAY, AND ARE NOT ACTUALLY REPORTED.

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Trump's policy uncertainty has some conservative investors worried about the future direction of the stock market. In the face of continued volatility in the stock market,money market fundsCould there be another investment direction to look out for? The main investments of money market funds in short-term financial products, such as government bonds, short-term corporate bonds, bank term deposits, and fixed income instruments on bills, do not fluctuate like the stock market. Investors can buy and return funds at any time to keep their funds flowing. Money market funds are characterized by low risk, low volatility and high liquidity.

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Regular Savings Plan

However, if you consider getting into the stock market as the heart of the market swings, investing in stocks for a long time and taking advantage of the Average Cost Act can be a foolproof strategy. With a fixed amount of money, the market price is not high but low, you can buy Stocks at the average price, reducing the impact of market fluctuations.Futu Monthly Hong Kong Share Plan, Buy specified HKD shares immediately, as low as HKD 1000/USD10 per deposit! Investors can choose a variety of delivery dates from monthly and weekly offerings, and change the plan content at any time. You can choose to supply Hong Kong US stocks ETF to follow the trends of the major cities and follow the rise of the world's top charts! Minimize market risk by periodically adding to the market.

*4.1% average return from the Futu platform is the average of the growth of all US money market funds that have formed less than 1 year, with data reaching 27 October 2025. Historical earnings are for reference only, and Funds' past performance cannot be predicted after the date. As soon as you record the correct distribution of benefits, you can get the right feedback.