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Time deposit can yield attractive return even under a low interest rate environment! Combining the advantages of currency investment and term deposits, Currency-linked Deposit offers you high interest rate and a chance of greater investment return at the same time.

Currency-linked Deposit is a versatile investment vehicle designed to enable investors to increase their wealth even in a low interest rate environment. The features of the Currency-linked Deposit include:

A High Interest Rate
Currency-linked Deposit offers you a chance to earn a yield much higher than that of the traditional time deposits.

A Selection of Six Currencies
With Currency-linked Deposit, you can choose to link the Hong Kong dollar (HKD) to any one of the following six currencies, including Euro, Japanese yen, Pound sterling, Australian dollar, New Zealand dollar and Canadian dollar.

Flexible Deposit Periods
Flexible tenor includes two-week, one-month, two-month or three-month deposit periods to suit your investment needs.

Low Minimum Deposit Requirement
The minimum deposit amount for Currency-linked Deposit is HKD100,000 only.

Totally Free-of-charge
No annual fee or handling fee is required.


If you are looking for an opportunity to achieve a higher yield from foreign exchange movement, Currency-linked Deposit is definitely your choice should you:

  • do not mind receiving or have a need for a particular currency, for instance, if your child is studying abroad; or

  • believe the currency movement between HKD and the linked currency will become stable or will not be volatile; or

  • are waiting to buy a currency at a lower price; or

  • are waiting to sell HKD at a higher price.


  • Should you hope to learn more about Currency-linked Deposit, you are welcome to call 28559898 or visit our branches for more details.

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