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

A term deposit is a financial product that is usually offered by banks and is supported by different currencies such as HKD, USD, etc. It is a way of saving money by depositing your funds into a regular account opened by the bank and agreeing to keep the funds inactive for a certain period of time (known as a deposit term). Usually deposit periods are 7 days, 1 month, 3 months, 6 months, 1 year, depending on your needs. And during this time, the amount of the deposit will receive the agreed interest. When the deposit period ends, you can withdraw the principal and accrued interest.

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

  Suppose you make a regular deposit of HKD with a bank and deposit HKD10,000, the deposit period is 365 days (one year) and the bank offers an annual interest rate of 5%.

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

  That is, your fixed deposit after one year will receive an interest of HKD 500. However, different banks or financial institutions have different ways 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*

HONG KONG DOLLAR DECLINATION (HIBOR HAS CONTINUED DOWNWARD SINCE EARLY MAY, WITH BANK RESERVE RATES DIPPING DOWN. 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.

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*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,Currency FundCould 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 maintain liquidity. Money market funds are characterized by low risk, low volatility and high liquidity.

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• Ideal and stable returns

USD Currency Fund 4.5% Average Return* +5% Account Opening Reward^.

*Offer subject to terms and conditions.

Regular Savings Plan

However, if you are considering entering the stock market but are worried about market volatility, investing in stocks regularly and using the cost of average law can be a good strategy. By investing a certain amount on a regular basis, you can buy stocks at an average price, regardless of whether the market price is high or low, reducing the impact of market volatility.Futu Monthly Hong Kong Share PlanFor every deposit as low as HKD 1000/USD10, you can buy selected HKD stocks! Investors can choose a variety of contribution periods to choose from monthly, weekly, etc., and modify the plan content at any time. You can also choose a monthly Hong Kong US Equity ETF to track major market movements and catch the rise of popular blocks around the world! Reduce market risk through timely market entry.

*The 4.5% average return is based on the average value of all USD-money funds that have formed less than 1 year from the Futu platform, and the data refer to 30 May 2025. Historical earnings are for reference only, and the fund's past performance cannot be predicted after the date. As soon as you record the correct distribution of benefits, you can get the right feedback.

^5% Opener Rewards are applicable to all funds on the Futu platform and cannot be shared with other new customer event rewards, subject to terms and conditions.