What does your cash actually earn?

About HK$8,400.00 a year

Promo band

HK$200,000 × 4.20%

Leftover at base

HK$0 × 0.01%

The whole HK$200,000 sits in the promo band at 4.20%. About HK$8,400.00 over a year.

New funds. Money moved across from your other BEA accounts does not count as new in this sample.

Updated 7 Oct 2026Bank site, Bank of East Asia MAXSaver, opens in a new tab

About HK$8,000.00 a year

Promo band

HK$200,000 × 4.00%

Leftover at base

HK$0 × 0.10%

The whole HK$200,000 sits in the promo band at 4.00%. About HK$8,000.00 over a year.

New money only. A balance already at Mox sits outside this sample promo.

Updated 10 Oct 2026Bank site, Mox Bank Mox Savings, opens in a new tab

About HK$6,800.00 a year

Promo band

HK$200,000 × 3.40%

Leftover at base

HK$0 × 0.50%

The whole HK$200,000 sits in the promo band at 3.40%. About HK$6,800.00 over a year.

New money. Above the cap, this sample pays a 0.50% base.

Updated 8 Oct 2026Bank site, Airstar Bank Airstar Savings, opens in a new tab

About HK$6,000.00 a year

Promo band

HK$200,000 × 3.00%

Leftover at base

HK$0 × 0.01%

The whole HK$200,000 sits in the promo band at 3.00%. About HK$6,000.00 over a year.

Funds new to the bank. Transfers from your other Citi accounts do not qualify in this sample.

Updated 6 Oct 2026Bank site, Citibank Citi Plus Savings, opens in a new tab

About HK$5,700.00 a year

Promo band

HK$200,000 × 2.85%

Leftover at base

HK$0 × 2.85%

The whole HK$200,000 sits in the promo band at 2.85%. About HK$5,700.00 over a year.

This sample has no new-money or payroll hoop. The headline rate covers the whole balance.

Updated 10 Oct 2026Bank site, ZA Bank ZA Savings, opens in a new tab

About HK$5,650.00 a year

Promo band

HK$150,000 × 3.70%

Leftover at base

HK$50,000 × 0.20%

HK$150,000 at 3.70% (HK$5,550.00), then HK$50,000 at the 0.20% base (HK$100.00). Together that is about HK$5,650.00 a year, or 2.83% on the whole balance.

New money.

Updated 10 Oct 2026Bank site, WeLab Bank WeLab Savings, opens in a new tab

About HK$4,400.00 a year

Promo band

HK$200,000 × 2.20%

Leftover at base

HK$0 × 0.01%

The whole HK$200,000 sits in the promo band at 2.20%. About HK$4,400.00 over a year.

Payroll credited into this account.

Updated 10 Oct 2026Bank site, Bank of China (Hong Kong) Smart Payroll Savings, opens in a new tab

About HK$3,810.00 a year

Promo band

HK$100,000 × 3.80%

Leftover at base

HK$100,000 × 0.01%

HK$100,000 at 3.80% (HK$3,800.00), then HK$100,000 at the 0.01% base (HK$10.00). Together that is about HK$3,810.00 a year, or 1.91% on the whole balance.

New customers. This sample puts the promo on the first HK$100,000.

Updated 9 Oct 2026Bank site, livi bank liviSave, opens in a new tab

About HK$3,600.00 a year

Promo band

HK$200,000 × 1.80%

Leftover at base

HK$0 × 0.01%

The whole HK$200,000 sits in the promo band at 1.80%. About HK$3,600.00 over a year.

This sample folds total relationship balance and payroll into one layer: the headline rate on the first HK$1,000,000. Real HSBC One tiers are finer.

Updated 5 Oct 2026Bank site, HSBC HSBC One Savings, opens in a new tab

About HK$2,840.00 a year

Promo band

HK$80,000 × 3.10%

Leftover at base

HK$120,000 × 0.30%

HK$80,000 at 3.10% (HK$2,480.00), then HK$120,000 at the 0.30% base (HK$360.00). Together that is about HK$2,840.00 a year, or 1.42% on the whole balance.

This sample has no new-money or payroll hoop.

Updated 4 Oct 2026Bank site, Fusion Bank Fusion Savings, opens in a new tab

About HK$2,675.00 a year

Promo band

HK$50,000 × 5.20%

Leftover at base

HK$150,000 × 0.05%

HK$50,000 at 5.20% (HK$2,600.00), then HK$150,000 at the 0.05% base (HK$75.00). Together that is about HK$2,675.00 a year, or 1.34% on the whole balance.

New money. The headline rate covers only the first HK$50,000. After that you are on the base.

Updated 10 Oct 2026Bank site, PAObank PAO Savings, opens in a new tab

About HK$2,600.00 a year

Promo band

HK$100,000 × 2.50%

Leftover at base

HK$100,000 × 0.10%

HK$100,000 at 2.50% (HK$2,500.00), then HK$100,000 at the 0.10% base (HK$100.00). Together that is about HK$2,600.00 a year, or 1.30% on the whole balance.

This sample has no new-money or payroll hoop.

Updated 3 Oct 2026Bank site, Ant Bank Ant Savings, opens in a new tab