

New Customer Time Deposit High Interest Offer
Breaking News! PAObank is offering a special promotion — 1-Month 16% p.a. time HKD deposit flash offer for new customers to pre-celebrate the 5th anniversary.
PAObank is dedicated to helping customers effortlessly grow their wealth through competitive products tailored to evolving market conditions, from now until June 30, 2025, new customers placing 1-month time deposit with first HK$50,000 can enjoy 16% p.a. interest rate* (must enter referral code during account opening).
After successfully opens a savings account with the Bank, the Offer will be displayed on the Bank’s Retail Banking APP (time deposit section) within 3 working days (excluding Saturdays, Sundays and public holidays).
Deposit Period | Deposit Amount | Annual Interest Rate |
---|---|---|
1-Month | First HK$50,000 | 16%* |
The annual interest rate is calculated on a daily basis over a 365-day year and will be determined by the Bank from time to time.


Additionally, from now until June 30, 2025, new customers placing 3-month time deposit with HK$50,000 - HK$200,000 can enjoy extra 0.5% p.a. interest rate* (must enter referral code during account opening) to secure higher return.
After successfully opens a savings account with the Bank, the Offer will be displayed on the Bank’s Retail Banking APP (time deposit section) within 3 working days (excluding Saturdays, Sundays and public holidays).
Deposit Period | Deposit Amount | Annual Interest Rate |
---|---|---|
3-Month | HK$50,000 – HK$200,000 | Extra 0.5%* |
Terms and conditions apply.
*Please refer to New Customer Time Deposit High Interest Offer Programme (the “Programme”) terms and conditions for details.
The annual interest rate is calculated on a daily basis over a 365-day year and will be determined by the Bank from time to time.
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