市面上虽然充斥着各种琳琅满目的投资工具，但一个稳健可靠、按部就班、循序渐进的投资策略应是当今万全之选，让您可抵御风险，累积财富，安然迈向心中目标。
中国工商银行（亚洲）现诚意为您推介一个灵活稳健的储蓄存款计划-「零存整付」储蓄计划，让您毋须为投资抉择与评估风险等琐事伤神和烦恼，便能坐享可观回报。
记录清晰易明 财务一目了然
在开立「零存整付」储蓄计划时，您实时可获发开户收据，列明存款期、利率、每月存款额、计划到期日，预计本息收入等有关资料。其后，您将每月收到一份综合月结单， 详载户口之一切交易活动和结存，以及其它存款户口的最新资料，理财状况，可谓一目了然。
两项利率选择 定息浮动随意
此项计划的客户可选择于开户时固定利率，而利率以后维持不变，亦可选择浮动利率（储蓄存款利率加预订息差），后者每天按存款最终结余数计算利息，收益追随储蓄存款利率而变动。
灵活存款安排 满足理财需要
此项计划有6个月、12个月、18个月、24个月、36个月及60个月多种长短存款期任君选择，您可因应个人财务状况及所需作出抉择，灵活方便，照顾更加全面。
存款金额偏低 另备存款宽限
每月最低存款额（以百位计算）仅为港币800元，由中国工商银行（亚洲）或其它银行户口以自动转账方式存入款项，方便省时。您亦可享有每月2个工作天的存款宽限期，让您有更多宽裕时间调动资金，理财倍感灵活。
提取本金利息 方法简便快捷
在计划到期日或以后，您可一次过提取所有存款及应得利息，采用常行指示将款项存入您在中国工商银行（亚洲）的其它户口，亦可选择前往本银行柜台或以其它方法提款，悉随尊意，手续简单快捷。
想在绝无风险之投资环境下让资金稳步升值增长，现在便请立刻莅临中国工商银行（亚洲）任何一间分行，开立「零存整付」储蓄计划的户口!
零存整付」储蓄计划一览表
月供 HK$1,000
到期本息金额
年利率 |
6个月 |
12个月 |
18个月 |
24个月 |
36个月 |
60个月 |
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
每期供款金额
年利率 |
6个月 |
12个月 |
18个月 |
24个月 |
36个月 |
60个月 |
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 |
﹡以上资料仅供参考，息率以开户时银行所订定者为准。
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