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港元定存|恆生削7天港元定存息至8.9厘邊間大行仲有10厘咁著數? - 香港經濟日報- 即時新聞頻道- 即市財經- Hot Talk @ 2024-03-20T08: Back Hot News
Keyword:定存
Concept:收息攻略 , 個月高息定存最高
定期存款|美長債息升 12個月港元定存4.2厘、5銀行有4厘|20萬被動收入抗通脹
除上述5間銀行外,其余銀行的12個月港元定存,仍在4厘以下。下表盤點逾10間銀行的12個月存期年利率︰
10萬元新資金開立港元定存,高息以吸納新客戶為主,就像工銀亞洲的3個月6厘,起存額1000元,上限存10萬元,為「E開戶」的優惠,即個人新客戶透過手機銀行「E定存」開立。
回顧目前全城最高的港元定存,若不計1個月或以下的超短存期,3個月或以上,最高有達6厘年利率。
縱觀目前最高息的3個月港元定存,全屬新客戶優惠,雖然工銀亞洲6厘,以年利率計是最高息,但由於有存款上限,實際賺息金額反而不多。
盡管市場調整美國第一次減息時間點的預期,但普遍相信息口下跌是長期趨勢,本港息口同樣有望回落,目前12個月港元定存有不少已失守4厘,現有資金又能守住4厘的銀行,目前有兩間銀行。
港元定存|港元定存1個月享10厘息優惠只余兩天 完成任務速賺986元獎賞

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