多間大行的港元定存減息，機管局債券預計每人派3-5手，尚有多餘資金的市民，不妨考慮不同銀行的定存。華僑銀行最新港元定存高達4.5厘，起存額為$10萬港元，存款期有1個月、3個月、6個月、12個月等選擇。即睇開立特惠年利率定存的資格，幫補一下辦年貨及派利是喇！
根據華僑銀行於2024年1月18日公布的特惠年利率，宏富理財客戶以全新10萬元資金／於個人客戶以全新50萬元資金開立港元定期存款，即可享高達4.5厘特惠年利率。存款期3個月可享高達4.5厘，至於6個月亦有4.35厘，以起存額10萬元計算，3個月可賺約$1125；6個月則可賺約$2175。個人客戶與宏富理財客戶的利率相差不多，最多可享4.4厘。
資金較有限的市民可轉為考慮虛擬銀行PAOB，定存門檻極低，只要$100。港元定存的3個月及4個月利率，同樣有4.4厘。
來源：華僑銀行、PAOB
>>年利率或會因應當時市場情況而有所更改。銀行將於開立定期存款時確定最終適用的特惠年利率。優惠受有關條款及細則約束，U Lifestyle概不負責。<<
同場加映：【今期Chill抵】最新影片
Array
(
[0] => stdClass Object
(
[title] => 四人家庭三派博到葵芳靚單位！呢個租金兼再送呢3樣慳到過萬！網友：真係行大運
[articleId] => 20060910
[permalink] => https://hk.ulifestyle.com.hk/topic/detail/20060910/%E5%9B%9B%E4%BA%BA%E5%AE%B6%E5%BA%AD%E4%B8%89%E6%B4%BE%E5%8D%9A%E5%88%B0%E8%91%B5%E8%8A%B3%E9%9D%9A%E5%96%AE%E4%BD%8D-%E5%91%A2%E5%80%8B%E7%A7%9F%E9%87%91%E5%85%BC%E5%86%8D%E9%80%81%E5%91%A2-%E6%A8%A3%E6%85%B3%E5%88%B0%E9%81%8E%E8%90%AC-%E7%B6%B2%E5%8F%8B-%E7%9C%9F%E4%BF%82%E8%A1%8C%E5%A4%A7%E9%81%8B
)
[1] => stdClass Object
(
[title] => 全球十日內10宗6級以上地震！台灣風險攀升專家籲隨身帶1件救命物品
[articleId] => 20061090
[permalink] => https://hk.ulifestyle.com.hk/topic/detail/20061090/%E6%97%A5%E5%85%A7%E5%85%A8%E7%90%83-%E7%B4%9A%E4%BB%A5%E4%B8%8A%E5%9C%B0%E9%9C%87%E6%9A%B4%E5%A2%9E-%E5%80%8D-%E5%8F%B0%E7%81%A3%E9%A2%A8%E9%9A%AA%E6%81%90%E6%94%80%E5%8D%87%E5%B0%88%E5%AE%B6-%E9%9A%A8%E8%BA%AB%E5%B8%B6-%E4%BB%B6%E6%95%91%E5%91%BD%E7%89%A9
)
[2] => stdClass Object
(
[title] => 香港生活9大怪？內地網民稱「社恐人天堂」形容港人係閃電俠
[articleId] => 20061095
[permalink] => https://hk.ulifestyle.com.hk/topic/detail/20061095/%E9%A6%99%E6%B8%AF%E7%94%9F%E6%B4%BB9%E5%A4%A7%E6%80%AA-%E5%85%A7%E5%9C%B0%E7%B6%B2%E6%B0%91%E7%A8%B1-%E7%A4%BE%E6%81%90%E4%BA%BA%E5%A4%A9%E5%A0%82-%E5%BD%A2%E5%AE%B9%E6%B8%AF%E4%BA%BA%E4%BF%82%E9%96%83%E9%9B%BB%E4%BF%A0
)
[3] => stdClass Object
(
[title] => 00後英文潮語常說「No Cap」點解？9大最紅潮語sigma/rizz解釋
[articleId] => 20060940
[permalink] => https://hk.ulifestyle.com.hk/topic/detail/20060940/00%E5%BE%8C%E8%8B%B1%E6%96%87%E6%BD%AE%E8%AA%9E%E5%B8%B8%E8%AA%AA-no-cap-%E9%BB%9E%E8%A7%A3-9%E5%A4%A7%E6%9C%80%E7%B4%85%E6%BD%AE%E8%AA%9Esigma-rizz%E8%A7%A3%E9%87%8B
)
[4] => stdClass Object
(
[title] => 居屋疑安裝落地玻璃窗 港人貼相疑惑問合法咩？室內設計師親解是否違例
[articleId] => 20060772
[permalink] => https://hk.ulifestyle.com.hk/topic/detail/20060772/%E5%B1%85%E5%B1%8B%E7%96%91%E5%AE%89%E8%A3%9D%E8%90%BD%E5%9C%B0%E7%8E%BB%E7%92%83%E7%AA%97-%E6%B8%AF%E4%BA%BA%E8%B2%BC%E7%9B%B8%E7%96%91%E6%83%91%E5%95%8F%E5%90%88%E6%B3%95%E5%92%A9-%E5%AE%A4%E5%85%A7%E8%A8%AD%E8%A8%88%E5%B8%AB%E8%A6%AA%E8%A7%A3%E6%98%AF%E5%90%A6%E9%81%95%E4%BE%8B
)
)
Array
(
[0] => stdClass Object
(
[title] => 四人家庭三派博到葵芳靚單位！呢個租金兼再送呢3樣慳到過萬！網友：真係行大運
[articleId] => 20060910
[permalink] => https://hk.ulifestyle.com.hk/topic/detail/20060910/%E5%9B%9B%E4%BA%BA%E5%AE%B6%E5%BA%AD%E4%B8%89%E6%B4%BE%E5%8D%9A%E5%88%B0%E8%91%B5%E8%8A%B3%E9%9D%9A%E5%96%AE%E4%BD%8D-%E5%91%A2%E5%80%8B%E7%A7%9F%E9%87%91%E5%85%BC%E5%86%8D%E9%80%81%E5%91%A2-%E6%A8%A3%E6%85%B3%E5%88%B0%E9%81%8E%E8%90%AC-%E7%B6%B2%E5%8F%8B-%E7%9C%9F%E4%BF%82%E8%A1%8C%E5%A4%A7%E9%81%8B
)
[1] => stdClass Object
(
[title] => 全球十日內10宗6級以上地震！台灣風險攀升專家籲隨身帶1件救命物品
[articleId] => 20061090
[permalink] => https://hk.ulifestyle.com.hk/topic/detail/20061090/%E6%97%A5%E5%85%A7%E5%85%A8%E7%90%83-%E7%B4%9A%E4%BB%A5%E4%B8%8A%E5%9C%B0%E9%9C%87%E6%9A%B4%E5%A2%9E-%E5%80%8D-%E5%8F%B0%E7%81%A3%E9%A2%A8%E9%9A%AA%E6%81%90%E6%94%80%E5%8D%87%E5%B0%88%E5%AE%B6-%E9%9A%A8%E8%BA%AB%E5%B8%B6-%E4%BB%B6%E6%95%91%E5%91%BD%E7%89%A9
)
[2] => stdClass Object
(
[title] => 香港生活9大怪？內地網民稱「社恐人天堂」形容港人係閃電俠
[articleId] => 20061095
[permalink] => https://hk.ulifestyle.com.hk/topic/detail/20061095/%E9%A6%99%E6%B8%AF%E7%94%9F%E6%B4%BB9%E5%A4%A7%E6%80%AA-%E5%85%A7%E5%9C%B0%E7%B6%B2%E6%B0%91%E7%A8%B1-%E7%A4%BE%E6%81%90%E4%BA%BA%E5%A4%A9%E5%A0%82-%E5%BD%A2%E5%AE%B9%E6%B8%AF%E4%BA%BA%E4%BF%82%E9%96%83%E9%9B%BB%E4%BF%A0
)
[3] => stdClass Object
(
[title] => 00後英文潮語常說「No Cap」點解？9大最紅潮語sigma/rizz解釋
[articleId] => 20060940
[permalink] => https://hk.ulifestyle.com.hk/topic/detail/20060940/00%E5%BE%8C%E8%8B%B1%E6%96%87%E6%BD%AE%E8%AA%9E%E5%B8%B8%E8%AA%AA-no-cap-%E9%BB%9E%E8%A7%A3-9%E5%A4%A7%E6%9C%80%E7%B4%85%E6%BD%AE%E8%AA%9Esigma-rizz%E8%A7%A3%E9%87%8B
)
[4] => stdClass Object
(
[title] => 居屋疑安裝落地玻璃窗 港人貼相疑惑問合法咩？室內設計師親解是否違例
[articleId] => 20060772
[permalink] => https://hk.ulifestyle.com.hk/topic/detail/20060772/%E5%B1%85%E5%B1%8B%E7%96%91%E5%AE%89%E8%A3%9D%E8%90%BD%E5%9C%B0%E7%8E%BB%E7%92%83%E7%AA%97-%E6%B8%AF%E4%BA%BA%E8%B2%BC%E7%9B%B8%E7%96%91%E6%83%91%E5%95%8F%E5%90%88%E6%B3%95%E5%92%A9-%E5%AE%A4%E5%85%A7%E8%A8%AD%E8%A8%88%E5%B8%AB%E8%A6%AA%E8%A7%A3%E6%98%AF%E5%90%A6%E9%81%95%E4%BE%8B
)
)
