HSBC Fixed Deposit Rate
HSBC Premier TD Promotion · Min RM50,000 · Ends 30 Jun 2026
HSBC Malaysia is a leading international bank offering premium fixed deposit rates through its HSBC Premier tier. The Premier TD promotion offers up to 4.28% p.a. for 6 months, remaining among the highest FD rates in Malaysia through June 2026.
Official HSBC Time Deposit Page
| Tenure | Interest Rate (p.a.) | Min Deposit |
|---|---|---|
| 6 Months | 4.28% | RM50,000 |
| 3 Months | 4.00% | RM50,000 |
| 12 Months | 3.80% | RM50,000 |
| Tenure | Interest Rate (p.a.) |
|---|---|
| 1 Month | 1.70% |
| 3 Months | 1.80% |
| 6 Months | 1.90% |
| 12 Months | 2.00% |
Place an HSBC Premier Time Deposit
- Log in to HSBC Online Banking or the HSBC Malaysia app
- Navigate to Accounts → Time Deposit section
- Select your preferred tenure and deposit amount (min RM50,000)
- Ensure you qualify for HSBC Premier (Total Relationship Balance of RM200,000+)
- Confirm the placement — deposit activated upon fund clearance
Note: HSBC Premier requires a Total Relationship Balance (TRB) of RM200,000. Non-Premier customers receive standard board rates.
PIDM Protection
Protected up to RM250,000 per depositor per member bank under PIDM.
Premier Tier Requirement
The 4.28% rate is exclusively for HSBC Premier clients. You need a Total Relationship Balance of RM200,000 or more to qualify for Premier status.
Tax-Exempt
FD interest for individual Malaysian tax residents is fully tax-exempt under current tax regulations.
Early Withdrawal
Premature withdrawal forfeits all accrued interest. Only commit funds you won’t need before maturity.
How Does HSBC Compare?
HSBC Premier’s 4.28% ties with Standard Chartered Priority Banking as the top FD rate in Malaysia. Both require premium banking tiers and larger deposits. For retail customers without Premier status, AmBank (3.65%), CIMB (3.60%), and Maybank (3.55%) offer more accessible options from RM1,000. Alliance Bank offers 4.08% at the retail tier but requires a branch visit.