Fixed Deposits
Fixed Deposits

Fixed Deposit Interest Rates


HK$100,000 and above

HK$500,000 and above

3 Months

3.7500% p.a.

3.8750% p.a.

4 Months 3.7500% p.a. 3.8750% p.a.
6 Months

3.7500% p.a.

3.8750% p.a.

7 Months 3.5000% p.a. 3.6250% p.a.
12 Months

3.5000% p.a.

3.6250% p.a.

The above fixed deposit interest rates are effective from 23 May 2024 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 Promotion Campaign

From now until 30 June 2024, 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$1,000*.



The new or additional deposit (“Eligible Deposit”) amount should be at least HK$100,000 and placed for at least 3 months. The available offers of Supermarket Shopping Voucher are HK$50, HK$150, HK$250, HK$500 and HK$1,000 respectively. The eligible value of Supermarket Shopping Voucher will depend on the amount of Eligible Deposit and subject to the terms and conditions of this promotion. The respective voucher value will be granted according to the Eligible Deposit which refers to the net increase of the highest deposit amount since 15 June 2022 up to the date of placing the deposit. 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