The below table highlights the key differences between Cash+ Fixed, fixed deposit account at banks and HK iBonds.

*Cash+ Fixed is an investment management service, and should not be taken as a collective investment scheme or a fixed deposit or savings account, and is not protected under the Deposit Protection Scheme (DPS). The optimised rates are not due to the pooling of invested funds by Syfe, and Syfe is not offering Cash+ Fixed as a fund, scheme, or portfolio with a pooling element. Until the investment starts, the return rate is subject to change. Cash+ Fixed returns are fixed, subject to underlying bank risk. All Cash+ Fixed returns are only available after maturity.

^Time deposit account benchmarks are taken from 3, 6 and 12-month term rates offered by the top 5 Hong Kong banks (in terms of total assets), as of 1 Aug 2025.

Until the investment is locked in, the rate is subject to change. Investment capital and returns are fixed, subject to underlying bank risk.