Time Deposit
The more you deposit, the higher the interest rate
Hong Kong Dollar Time Deposit
- Minimum opening deposit is just HK$10,000.
- Choose from deposit tenures of 1 day up to 60 months .
- Automatic renewal service available for your convenience.
- Higher interest rate will be offered if your deposit is higher than HK$500,000.
Foreign Currency Time Deposit
- Choose from a wide range of foreign currencies and deposit periods.
- Automatic renewal service available for your convenience.
Time Deposit with Monthly Interest Payment
Interest available before maturity
- Interest is automatically credited to your designated account on a monthly basis, unlike regular fixed deposits.
- Minimum and maximum deposit amount per transaction of HK$50,000 and HK$5 million respectively.
- Choose from deposit tenures of 3 months, 6 months and 1 year.
- Automatic renewal service is available for your convenience.
Monthly Deposit Savings Plan – Club Deposit
The easy way to save
- Minimum deposit amount of only HK$500.
- Choose from a wide range of deposit tenures, such as 1 year, 15 months, 18 months, 2 years, 3 years, 4 years and 5 years.
- Deposit by monthly, bi-monthly, quarterly or semi-annually instalments.
- You can make a deposit at any branch of the Bank of China (Hong Kong), or simply arrange for autopay.
Green Deposit
BOCHK is the first retail bank in the market launching personal green deposit to finance sustainable projects such as green architecture and renewable energy, aiming at transitioning hand in hand with you towards a low-carbon economy that contributes to a sustainable future for our next generation.
Report and description of Green Deposit 2021
Risk of Foreign Currency Trading
Foreign currency investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currency may result in losses in the event that customer converts the foreign currency into Hong Kong dollar or other foreign currencies. Currency exchange is also subject to cost (being the spread between the buy and sell of relevant currencies).
RMB Conversion Limitation Risk
RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into HKD or other foreign currencies. Currency exchange is also subject to cost (being the spread between the buy and sell of RMB). RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.