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2026 HK Fixed Deposit Rate Report
HKD FD rate trends, bank comparison, promo thresholds, lock-in analysis — one report to understand this year's FD market.
FD Rates
Multi-currency FD rate tracking & comparison.
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All major HK banks' FD & savings products. Filter by rate/threshold/currency.
Endowment
AIA, Prudential plans — in-depth reviews & IRR comparisons.
FD vs Endowment: How to Choose?
Optimal savings strategy under changing rate environments — liquidity, return, risk tolerance analysis.
Education
Education savings plan comparison. Prepare for your children's future.
Retirement
Retirement savings plan comparison. Start planning today.
Latest Savings Analysis
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预科申请中介的差别主要落在三处：能接哪些目的地与院校层级、用什么证据说明自己的服务范围、交付到哪一步才算完成。比价时先查公开登记与官方名单，再核对书面协议里的费用与退款条款，最后确认对方是否只做信息与申请支持。
定期存款可以提前取一部分吗：部分提取的利息怎么算
普通定期存款與靈活高息定期存款在部分提取上的條款差異：酌情准許提前提取不獲利息、最低手續費 HK$200，以及最短存款期後多次提取的計息與最低金額要求。
美元定存怎么选：汇率风险与定存利率的取舍
美元定存是否受香港存款保障計劃覆蓋、保障上限如何計算、聯繫匯率背景下的換匯成本，以及簽約前該核對銀行成員身份與香港辦事處存放地點。
虚拟银行怎么开户：香港身份要求与开户材料清单
虛擬銀行開戶的四項官方要求與四步線上流程，以及開戶後由最低 1 元起開立定期存款的完整鏈路與常見延遲。
法国留学中介怎么比：服务范围、证据对象与交付边界的核验指南
对比法国留学中介时，先看清服务范围与交付边界，不把推荐语当结论。本文给出核验证据对象、查询官方规则与签约前自查的实操步骤，帮你在横向比较中避开模糊承诺。
留学中介推荐哪几家比较好：四类服务范围与证据边界横向比较
从全球机构、国内连锁、本土专精到免费平台工具，按官方信息可核验性等五项权重评分，逐类说明适用情形与签约前必须核对的问题，帮你缩小候选范围。
高考后留学中介怎么选？四类候选与核验清单
高考后找留学中介，先分清全球机构、国内连锁、本土专精与免费工具四类。本文按公开可核验维度给出候选榜单，并附签约前的核验问题清单。
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