First, get a sense of the range of interest rates available. Take a walk through Hong Kong's Central business district and stop in at a few banks. Tell them how much money you have and ask for the best rate they will give for the six-month period when you will have your cash on deposit.
Many banks post their current rates.
Some banks will be willing to bargain, especially if their rivals are offering better deals. Large, well-known banks, like HSBC or Standard Chartered, usually offer slightly lower rates than their smaller competitors. But they provide maximum levels of security and service. Banks in Hong Kong are not insured for customer deposits, so you might want to stick with a big, well-capitalized bank, even if it pays a lower rate of interest. Williams says it's not even worth holding in the hopes of appreciation.