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[Time Deposit / Time Deposit Interest Rate / Preferential Interest Rate] The U.S. Federal Reserve announced an interest rate cut earlier, but most Hong Kong banks have maintained a relatively high annual interest rate on Hong Kong dollar time deposits. Some banks have even launched a 25% ultra-high interest time deposit discount to grab customers, which can be described as interest rate resistance. Entering October 2025, the Hong Kong interbank offered rate (hibor) continues to be at a high level. The Hong Kong dollar time deposit interest rates of most banks in Hong Kong have increased significantly from the beginning of the month, especially short-term ones such as 3 months and 6 months. The annual interest rates of many banks have now.

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