Fixed Deposits
Fixed Deposits

Fixed Deposit Interest Rates
 

 

HK$100,000 and above

HK$500,000 and above

3 Months

2.625% p.a.

2.875% p.a.

4 Months 2.750% p.a. 3.000% p.a.
6 Months

2.750% p.a.

3.000% p.a.

7 Months 2.750% p.a. 3.000% p.a.
12 Months

2.750% p.a.

3.000% p.a.

The above fixed deposit interest rates are effective from 15 October 2026 and is for reference only. Public Finance reserves the right to change the fixed deposit interest rates at any time without prior notice. Please contact any one of our branches to obtain the latest fixed deposit interest rate.

 

Public Finance is a Deposit-taking Company registered under the Banking Ordinance. As an Authorised Institution under the supervision of the Hong Kong Monetary Authority, Public Finance is authorised to accept deposits from the public. With 40 branches strategically located in Hong Kong Island, Kowloon and the New Territories, the depositor can conveniently deposit or withdraw at a nearby branch of Public Finance. Public Finance is also a subsidiary of Public Bank Berhad, a commercial bank in Malaysia, supervised by Bank Negara Malaysia.

   
The main features of our Fixed Deposits are:

- Deposit terms are 3, 4, 6, 7 or 12 months
- Minimum deposit amount is HK$100,000
- Attractive deposit rates
- Deposits of HK$500,000 or above are eligible for higher deposit rates

 

Fixed Deposit and Customer-Get-Customer Promotion Campaign 

From now until 31 December 2026, depositors of the Fixed Deposit Promotion Campaign who place new or additional deposit with our Company will receive Supermarket Shopping Voucher with value up to HK$1,0001. Successfully refer friends or family to join as fixed deposit clients and receive an extra reward of up to HK$1,0002 in Supermarket Shopping Voucher!

 

1

The new or additional deposit (“Eligible Deposit”) amount must be at least HK$100,000 or above with a deposit term of no less than 3 months. Upon reaching deposit amounts of HK$100,000, HK$200,000, HK$500,000, HK$1,000,000, and HK$1,500,000, the depositor will receive supermarket cash vouchers of HK$50, HK$150, HK$250, HK$500, and HK$1,000 respectively, subject to the applicable terms and conditions. Eligible Deposits are calculated based on the highest account balance recorded from 15 June 2022 up to the date of deposit; the net increase in deposits and the corresponding supermarket cash voucher amount will be determined on this basis.

 

2

If the referred customer is an existing or former fixed deposit customer, the referrer will not be eligible for the supermarket vouchers. The referred customer must deposit no less than HK$100,000 for a minimum period of 3 months. Upon the referred customer's deposit amounts reaching HK$100,000, HK$200,000, HK$500,000, HK$1,000,000, and HK$1,500,000, the referrer will receive supermarket cash vouchers of HK$50, HK$100, HK$300, HK$500, and HK$1,000 respectively, subject to the applicable terms and conditions. The voucher amount will be determined based on the actual new deposit amount.

 

 

The above information is for reference only. The decision made by Public Finance Limited (the “Company”) on the Fixed Deposit interest rate and the value of Supermarket Shopping Voucher offered, shall be final. The Company reserves the right to revise the terms and conditions, and the validity period of this promotion without prior notice.

 

The Fixed Deposit Promotion Campaign is only applicable to customer who meets the terms and conditions of the said promotion. For details of the above promotion, please contact our staff.

 

Account Opening Procedure

To open your fixed deposit account, just visit any one of our branches at Public Finance and bring along the required documents for account opening.

 

For enquiry of deposit rates, please call our Fixed Deposit Department hotline at 2523 9983.

Information about FATCA (Foreign Account Tax Compliance Act) & CRS (Common Reporting Standard) 

FATCA Information   CRS Information

 

Information about Dormant Accounts

Understanding Dormant Accounts