中介鼓吹赴港开户“5%高息”实为套路，“存款特种兵”小心避坑

Core Viewpoint - The article highlights the rising trend of marketing for opening bank accounts in Hong Kong, particularly during the "6•18" shopping festival, with intermediaries promoting attractive offers such as "instant account opening" and "5% high-interest deposits," which are often misleading [1][3][4]. Group 1: Marketing Strategies - Intermediaries are leveraging the shopping festival to promote Hong Kong bank account openings, emphasizing high interest rates and expedited services [3][4]. - The marketing pitch includes claims of "one-stop service" and "green channel" for quick account opening, with fees ranging from 900 to 5000 yuan depending on the bank [4][6]. - Some intermediaries advertise significantly lower fees for account opening, suggesting a minimum of 988 yuan, while promising rapid processing times [3][4]. Group 2: Actual Interest Rates - The actual interest rates offered by banks in Hong Kong are significantly lower than those advertised by intermediaries, with examples showing rates as low as 1.1% for HKD deposits and 3.75% for USD deposits [6][7]. - HSBC and DBS Bank's rates are cited as being much lower than the claimed 5% by intermediaries, indicating a substantial discrepancy [6][7]. - The article emphasizes that high-interest products often come with stringent requirements, such as minimum deposit amounts and specific customer qualifications [8][9]. Group 3: Risks and Considerations - The article warns that potential risks include currency fluctuations, hidden costs from intermediary services, and compliance issues with cross-border fund transfers [5][9]. - It suggests that consumers should verify information through official channels and assess their financial situation before proceeding with account openings [10][11]. - The trend of "deposit special forces" reflects a broader market response to fluctuating interest rates, with consumers increasingly seeking alternative investment options beyond traditional bank deposits [9][10].