每個人都有不同的理財和投資需要，如果您追求一個穩健可靠的回報，中國工商銀行（亞洲）的「零存整付」儲蓄計劃正好為您提供優厚利息，助您累積財富，早日達成心中目標。
兩種利率選擇 定息浮息隨意
您可選擇於開戶時固定利率，而利率於存款期內將維持不變，您亦可選擇浮動利率（儲蓄存款利率加預定息差），後者按每日的存款結存計算利息，讓收益隨儲蓄存款利率而變動。
靈活存款安排 滿足理財需要
備有6個月、12個月、18個月、24個月、36個月及60個月多種長短存款期任君選擇。您可因應個人財務狀況及需要作出抉擇，靈活方便。
存款金額特低 另備存款寬限期
每月最低存款額僅為港幣800元，由中國工商銀行（亞洲）或其他銀行戶口以自動轉賬方式存入款項，方便省時。您亦可享有每月1個工作天的存款寬限期，讓您有更多充裕時間調撥資金，理財倍感靈活。
記錄清晰易明 財務一目了然
在開立「零存整付」儲蓄計劃時，您可即時獲發存款單，列明存款前期、利率、每月存款額、計劃到期日及預計本息收入等有關資料。其後，您將定時收到一份綜合結單，詳載戶口之一切交易活動和結存，以及其他存款戶口的最新資料，理財狀況，一目了然。
多項理財途徑 理財輕鬆自在
您可以隨時隨地使用以下途徑查詢戶口資料，理財自然更輕鬆。
提取本金利息 方法簡便快捷
在計劃到期後，您可採用常行指示一次過將所有存款及應得利息存入您中國工商銀行（亞洲）的其他戶口；您亦可選擇前往本行櫃台提取款項，悉隨尊意，手續簡單快捷。
想在極少風險之環境下讓資金穩步增長請到中國工商銀行（亞洲）任何一間分行開立「零存整付」儲蓄計劃！
「零存整付」儲蓄計劃一覽表
月供 HK$1,000
到期本息金額
年利率 |
6 個月 |
12 個月 |
18 個月
|
24 個月 |
36 個月 |
60 個月 |
1.50% |
$6,026.25 |
$12,097.50 |
$18,213.75 |
$24,375.00 |
$36,832.50 |
$62,287.50 |
2.00% |
$6,035.00 |
$12,130.00 |
$18,285.00 |
$24,500.00 |
$37,110.00 |
$63,050.00 |
2.50% |
$6,043.75 |
$12,162.50 |
$18,356.25 |
$24,625.00 |
$37,387.50 |
$63,812.50 |
3.00% |
$6,052.50 |
$12,195.00 |
$18,427.50 |
$24,750.00 |
$37,665.00 |
$64,575.00 |
3.50% |
$6,061.25 |
$12,227.50 |
$18,498.75 |
$24,875.00 |
$37,942.50 |
$65,337.50 |
4.00% |
$6,070.00 |
$12,260.00 |
$18,570.00 |
$25,000.00 |
$38,220.00 |
$66,100.00 |
4.50% |
$6,078.75 |
$12,292.50 |
$18,641.25 |
$25,125.00 |
$38,497.50 |
$66,862.50 |
5.00% |
$6,087.50 |
$12,325.00 |
$18,712.50 |
$25,250.00 |
$38,775.00 |
$67,625.00 |
5.50% |
$6,096.25 |
$12,357.50 |
$18,783.75 |
$25,375.00 |
$39,052.50 |
$68,387.50 |
6.00% |
$6,105.00 |
$12,390.00 |
$18,855.00 |
$25,500.00 |
$39,330.00 |
$69,150.00 |
6.50% |
$6,113.75 |
$12,422.50 |
$18,926.25 |
$25,625.00 |
$39,607.50 |
$69,912.50 |
7.00% |
$6,122.50 |
$12,455.00 |
$18,997.50 |
$25,750.00 |
$39,885.00 |
$70,675.00 |
7.50% |
$6,131.25 |
$12,487.50 |
$19,068.75 |
$25,875.00 |
$40,162.50 |
$71,437.50 |
8.00% |
$6,140.00 |
$12,520.00 |
$19,140.00 |
$26,000.00 |
$40,440.00 |
$72,200.00 |
到期提取本息 HK$10,000 元
每期供款金額
年利率 |
6 個月 |
12 個月 |
18 個月 |
24 個月 |
36 個月 |
60 個月 |
1.50% |
$1,659.41 |
$826.62 |
$549.04 |
$410.26 |
$271.50 |
$160.55 |
2.00% |
$1,657.00 |
$824.40 |
$546.90 |
$408.16 |
$269.47 |
$158.60 |
2.50% |
$1,654.60 |
$822.20 |
$544.77 |
$406.09 |
$267.47 |
$156.71 |
3.00% |
$1,652.21 |
$820.01 |
$542.67 |
$404.04 |
$265.50 |
$154.86 |
3.50% |
$1,649.82 |
$817.83 |
$540.58 |
$402.01 |
$263.56 |
$153.05 |
4.00% |
$1,647.45 |
$815.66 |
$538.50 |
$400.00 |
$261.64 |
$151.29 |
4.50% |
$1,645.08 |
$813.50 |
$536.44 |
$398.01 |
$259.76 |
$149.56 |
5.00% |
$1,642.71 |
$811.36 |
$534.40 |
$396.04 |
$257.90 |
$147.87 |
5.50% |
$1,640.35 |
$809.23 |
$532.38 |
$394.09 |
$256.07 |
$146.23 |
6.00% |
$1,638.00 |
$807.10 |
$530.36 |
$392.16 |
$254.26 |
$144.61 |
6.50% |
$1,635.66 |
$804.99 |
$528.37 |
$390.24 |
$252.48 |
$143.04 |
7.00% |
$1,633.32 |
$802.89 |
$526.39 |
$388.35 |
$250.72 |
$141.49 |
7.50% |
$1,630.99 |
$800.80 |
$524.42 |
$386.47 |
$248.99 |
$139.98 |
8.00% |
$1,628.66 |
$798.72 |
$522.47 |
$384.62 |
$247.28 |
$138.50 |
﹡以上資料僅供參考，息率以開戶時銀行所訂定者為準。
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