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【高息定存】集友108日高達4.95厘,大新3個月4.7厘-生財有道-財智-生活- ET Net Mobile @ 2023-11-14T16: Back Hot News
Keyword:定存 個月
Concept:個月港元定期存款 , 銀行起存額100元
匯豐銀行昨調升港元定存息,高端客戶3個月定存息加0.2厘,達到4.7厘,6個月加0.1厘,至4.6厘,為發鈔行之中最高。
繼匯豐上周加港元定存息後,恆生銀行(00011)昨日亦跟隨加息,3個月定存息加0.2厘,至4.7厘;6個月則加0.1厘,至4.6厘,即與匯豐高端客戶定存息率看齊。 (BC)
港元定存方面,匯豐3個月和6個月定存年利率分別為4.5厘和4.4厘,1萬美元起存。中銀香港、渣打香港則同為4.5厘,也是1萬港元起存。恆生客戶如透過分行或電話理財渠道敘做定存,3個月和6個月的年利率依次為4.5厘和4.4厘;如選用網上理財渠道,年利率可分別上調20點子,至4.7厘和4.6厘。
財經方面,銀行紛紛搶存戶,去銀行做定期存款,回報雖然未必及得上股票、債券,但勝在夠穩陣,而且簡單易明,難怪不少穩健投資者皆鍾情這種收息工具。大摩預計,聯儲局將從明年6月開始減息,高盛則預計在明年第四季首次減息四分一厘;不過現時仍有港銀上調港元定存息率。其中,恆生上調3個月港元定存,由4.5厘上調至4.7厘,6個月港元定存亦由4.5厘上調至4.6厘,與匯豐睇齊。
近月美國息口雖有見頂之勢,但港元定存仍在高位,匯豐近數月均出手加存息,上周突把3個月港元定存年利率加至最高4.7厘,6個月加至4.6厘。而事隔一個周末,恆生銀行亦跟隨加息。

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