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港元半年定存最高4.39%再破頂100萬半年賺利息21950港元財經新聞Financial News @ 2024-07-23T Back Hot News
Keyword:定存
Concept:存款高息 , 銀行港元定存
匯豐、恆生、中銀、渣打等大行的港元定存利率繼續徘徊在3.4-3.6厘之間,不過市面上仍有高息選擇,最高可達4.9厘。須注意的是大部分銀行須以新資金開立定存方可享優惠。以下盤點16間港元定存達4厘或逼近4厘的高息選擇。
港元定存的短存期不泛8-10厘之選,但存期太短,實際收息不多。以3個月或以上計,建行亞洲的6.08厘是目前全城最高息,背後玩法如何?
更吸引的是,該行的3個月及6個月港元定存,都重回4厘水平,加幅多達0.6厘,當中3個月4.2厘年利率,是目前各大銀行給予現有客戶的優惠中最高息的。
【港元/定期存款/港元定存/拆息/聯儲局/集友/建行亞洲/虛擬銀行/富融/南商/減息】港元1個月拆息3連漲,今天(7月18日)報4.68厘;剛有4間銀行調整港元定期存款息,當中兩減1加,包括集友撤半年期4厘息,建行亞洲微削3個月年息(門檻1000萬元)0.05厘,新息率至4.15厘。反觀,富融(FUSION BANK)提高半年期年息0.1厘至3.9厘;單以虛擬銀行計,取代PAOBANK的3.8厘而晉級「一哥」。另花旗短加長減,微升1個月年息0.07至4.27厘;卻減1年期年息0.16厘至3.53厘。
但在減息預期下,星展銀行近日推出24個月及18個月港元定存的優惠,年利率均有3.55厘,現有資金3.5厘。

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