[港元定期] 一文比較6月港元定期存款，低息環境下還有1厘或以上的選擇
港元銀行同業拆息仍然維持超低水平，一個月HIBOR就只有0.1%，三個月亦只有 0.18%。但有些銀行反而加了定期存款利息以吸存款，以下搜尋了一些銀行的定期利率利息作參考，大家亦不妨多較一下以獲得更好的定期存款利息。
1) 中信銀行國際，打疫苗1個月1%定期存款
「齊心抗疫定存優惠」新舊客戶由6月1日至9月30日，到中信分行出示接種兩劑新冠疫苗的證明，以新資金由1萬至最多20萬做1個月定期，利息為1%。但只可以做1個月。
另外非疫苗優惠存款的3個月定期優惠，新資金100萬就有0.7%。
2) 虛擬銀行Welab bank 匯立銀行3個月1.1%
匯立一直都有GoSave定期存款，要湊夠人才有會有更多利息。最新的3個月定期，如果湊夠50人一齊做GoSave 定期就會有1.1%。
3) 天星銀行3個月有0.9%
4) Fusion Bank 富融銀行3個月0.85%
富融銀行3個月50萬以上定期存款有0.85%，比其他存款期高很多，如果50萬以下都有0.8%，勝在沒有特別的條件，新舊資金都可以有此利息。
定期利率可能隨時有變，敍做定期存款前可以再向各銀行查詢詳情。
English Version
Choices of HKD fixed deposit in June 2021
Some banks offers fixed deposit interest rate over 1%, here are the 3 banks latest promtion.
1. Citic Bank International
If you finished the 2 doses of vaccination, you are eligible to enjoy a high interest rate of 1% fixed deposit for 1 month. You have to go to any Citic Bank branch to open the fixed deposit and the maximum amount to enjoy the high interest rate is $200,000and only new fund is eligible for this promtion.
Citic Bank also offers 3 month 0.7% for new fund of 1 million.
2. Virtu Bank Welab Bank
Welab Bank offers 1.1% 3 month fixed deposit , GoSave deposit. However, you can enjoy higher deposit rate only more people joins that time deposit. 1.1% will be offered if 50 customers join the GoSave time deposit.
3. Virtual Bank Airstar
Airstar Bank offers 3 month 0.9% fixed deposit rate.
4. Virtual Bank Fusion Bank
Fusion Bank offers 0.85% 3 month fixed deposit for deposit over 0.5 million. if the fund is below 0.5 million, 0.8% deposit rate will be offered.
For details, you may check the website of different banks.
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