4 banks, each figure read off the bank's own product page. The number on a card is what you get without meeting any conditions.
The highest rate you can get in Hong Kong without conditions is 3.2 % at Mox Bank, as of our last check.
Mox Bank Это не ставка накопительного счёта, а срочный депозит и только на новые деньги: «Place a Time Deposit with New Funds to enjoy the following competitive interest rates». 3,7% годовых дают в ДОЛЛАРАХ на сроках от 6 месяцев; на месяц — 3,35%, на три — 3,6%. В гонконгских долларах ставки заметно ниже: 2,55% на три месяца.
checked 2026-08-16 · the bank's own page →
ZA Bank advertises 18 % — for tasks or added risk
18% requires either in-app gamified tasks, or a promo, or a foreign-currency deposit with FX risk; with no conditions it is only 0.5%.
checked 2026-08-16 · the bank's own page →
A one-week deposit in 'designated currencies', with a currency conversion.
checked 2026-08-16 · the bank's own page →
Standard Chartered Hong Kong advertises 3.5 % — a different product
3.50% is the Marathon term deposit, not the savings account; the account itself pays 0.001% at any balance.
checked 2026-08-16 · the bank's own page →
Every figure is read off the bank's own product page — never an aggregator, never a comparison site. Where a bank publishes only a ceiling, we say so instead of printing it as a rate. Records we could not confirm on the bank's page are left out entirely rather than shown as approximate.
Yield