探索工具

香港金融數據

香港銀行存款
流向及趨勢

以金管局月度統計追蹤香港銀行體系的活期、儲蓄及定期存款。本頁整理金額、結構比例、按月及按年變化,並把定期存款佔比放回多年區間閱讀。

定期存款HK$11.52萬億

按年 +13.7%

按月 +2.2%
定期存款佔比56.6%

較一年前 +2.3個百分點

三類存款合計
儲蓄存款HK$6.00萬億

按年 +1.2%

活期存款HK$2.84萬億

按年 +8.7%

統計口徑

三類存款
有何分別?

以下為金管局統計的存款分類。三類金額合計,構成本頁計算存款結構比例的基礎。

01

活期存款

可隨時動用的往來賬戶結餘,通常用於日常收支及資金調度。

02

儲蓄存款

一般儲蓄賬戶結餘;實際提取安排及利息按各銀行賬戶條款而定。

03

定期存款

按約定期限存放的款項;提早提取通常須按銀行的相關條款處理。

結構變化

存款結構
如何改變?

活期儲蓄定期

資料讀取中。

金額走勢

三類存款
金額走勢

比例顯示結構,金額則顯示銀行體系內三類客戶存款的實際規模。

活期儲蓄定期

資料讀取中。

利率對照

定期存款比例
與HIBOR走勢

HIBOR反映港元銀行同業市場的短期資金成本。把3個月HIBOR月均值與定期存款比例並列,可比較不同利率環境下的變化;兩者不代表直接因果。

定期存款佔比(左軸)3個月HIBOR月均值(右軸)

HIBOR採用每日3個月數字的月度平均,以配合月度存款資料。

定期存款佔比

現時處於
甚麼水平?

過去5年最低過去5年最高

資料讀取中。

資料解讀

定期存款趨勢
如何閱讀?

把短期變化、多年結構與利率環境分開閱讀。數據只描述同時出現的變化,不能單憑此頁推斷成因或預測往後走勢。

01

2026年6月定期存款為HK$11.52萬億,佔三類存款合計56.6%;按年+13.7%。存款結構與利率可一併觀察,但不能據此判定資金流向的原因。

香港銀行存款歷史資料表

金管局月度統計;最新 2026年6月 · Agoodeal讀取:10/8/2026 23:33

金額以港幣百萬元列出,包含港幣及外幣存款。比例由Agoodeal以三類存款合計計算,不代表個人或單一銀行的存款。

查看本次讀取的完整資料表(351筆)
香港銀行存款歷史資料表;資料為本頁載入時讀取,互動篩選不會改變此表。
月份活期(HK$百萬)儲蓄(HK$百萬)定期(HK$百萬)定期佔比
2026-062835494.1935996986.63811520187.00956.6%
2026-052907731.8446160756.71311270150.38755.4%
2026-042770052.8245990526.37511114001.93255.9%
2026-032674954.5235874528.62611036738.85556.3%
2026-022694895.846016699.27910858217.24755.5%
2026-012605564.2815917223.51210866842.93156.0%
2025-122486729.1485947844.45410966485.93956.5%
2025-112559878.6095885413.26210728120.77356.0%
2025-102527798.2695837460.95310665863.04556.0%
2025-092455600.3495838507.30610821576.89156.6%
2025-082490129.0495994125.35410378457.63755.0%
2025-072535350.2036032427.25310129664.87354.2%
2025-062607620.8595928372.94210131968.2954.3%
2025-052519894.1555621519.41810358976.35956.0%
2025-042278085.2195260580.09210508121.44658.2%
2025-032267408.7335212466.26710466101.19958.3%
2025-022254568.5535161025.71210393735.58458.4%
2025-012159318.7214950342.4910472554.36259.6%
2024-122163303.645043396.37310135432.9258.4%
2024-112172197.7454983408.96110029157.96558.4%
2024-102226735.8954972836.6489937845.39658.0%
2024-092239476.4064924525.8739968975.30458.2%
2024-082132395.7374840370.7510031422.58559.0%
2024-072126430.3514717311.4789968191.6759.3%
2024-062065950.8294734066.0159911774.88259.3%
2024-052049420.5084844998.9219816979.75458.7%
2024-042037830.644744086.1379744035.09759.0%
2024-031972607.8694542376.1379652876.76659.7%
2024-021976177.074704087.9179454977.21458.6%
2024-011944963.5624652210.449498963.75759.0%
2023-122023347.564770867.9029397940.87258.0%
2023-112048279.2254733149.2929257677.94657.7%
2023-101986670.8444710174.5139066369.80957.5%
2023-091925211.2764692624.8419141899.95658.0%
2023-082030973.2364838297.2488857559.08456.3%
2023-072094211.8484964297.1918571044.14754.8%
2023-062000110.474935960.4798503549.24855.1%
2023-052094850.4075032579.2198234965.80153.6%
2023-042111583.695137921.4238246700.54253.2%
2023-032125329.3735150769.2388216361.63753.0%
2023-022156929.8885228713.227974464.21451.9%
2023-012289942.9915339489.1597982325.45151.1%
2022-122188728.9535404105.4277821710.81850.7%
2022-112316555.8775517956.4547491234.07348.9%
2022-102352790.6915775613.3067083952.1646.6%
2022-092444786.2655924062.5536886421.68145.1%
2022-082572790.9866244446.7986428927.66842.2%
2022-072660831.3246463728.4096124882.5240.2%
2022-062723099.14665230975961781.03239.2%
2022-052840667.1666673751.2935649205.96937.3%
2022-042918649.3156773906.2755581715.12536.5%
2022-032977015.3616823498.1385519488.99436.0%
2022-023074008.1386935944.3465363118.8734.9%
2022-013020000.0166818073.985711161.40736.7%
2021-122915511.2156828171.9655411762.35735.7%
2021-113036733.5586858784.2535203121.23234.5%
2021-103017020.6146842036.9835140819.15734.3%
2021-093015244.4936718535.9855236839.24335.0%
2021-082912869.736713808.6135242614.25935.3%
2021-072957161.4196706120.6935213286.33435.0%
2021-063307345.5956614731.3975231274.55334.5%
2021-052923794.7986680357.4915225494.18635.2%
2021-042750742.0986589857.6885313071.31736.3%
2021-032831973.3426489408.165329895.21336.4%
2021-023026022.1136466992.4165300659.03435.8%
2021-013980393.3866340801.8755587759.72435.1%
2020-122690924.5426339507.8925450590.65337.6%
2020-112759678.6986381920.0915471425.65237.4%
2020-103711625.826015739.0395957797.42238.0%
2020-093043766.9835886352.9485811498.96139.4%
2020-083101120.4555883680.3955828722.62139.3%
2020-072658351.0645784419.7235983711.91741.5%
2020-062318588.7965494399.9686234111.36444.4%
2020-052168734.8235277942.0746374863.31346.1%
2020-042134768.1485079519.3976642699.55347.9%
2020-032101438.5775027814.2856612360.02748.1%
2020-022045208.3484973792.2856702091.19348.8%
2020-012016594.34986419.1626731233.45949.0%
2019-121987438.0144936411.5266815762.69649.6%
2019-111986403.1814996530.9156777936.91149.3%
2019-101989396.7894928522.9216779955.9349.5%
2019-091980371.6924813794.7086767307.71649.9%
2019-081933756.264892124.3876755142.63649.7%
2019-071997047.6234977260.5116581352.28948.6%
2019-061946054.7154896881.8076716188.9749.5%
2019-051976622.7944931499.326648564.83649.0%
2019-041994748.544945540.9126752233.16949.3%
2019-031934085.6084937305.9076636532.2349.1%
2019-021965973.5715035990.9346447744.7947.9%
2019-011971812.684903421.6926562513.8948.8%
2018-121955058.6614924464.2256461146.45748.4%
2018-111988524.8744986747.2126178963.26747.0%
2018-102004506.0244967492.0576106767.44246.7%
2018-091983703.9515012475.3856060025.37246.4%
2018-081985679.565076201.2535917473.6545.6%
2018-072034955.4795106266.4825762176.08644.7%
2018-062055466.0075082585.5365776735.16244.7%
2018-052083231.7695257525.2765603118.3843.3%
2018-042448241.5565326375.5985501587.65241.4%
2018-032009312.3155342764.135517115.66542.9%
2018-022030161.1925479706.7855417525.43241.9%
2018-012114400.8735454463.2495465532.341.9%
2017-121992707.4025329825.4625387054.61142.4%
2017-112028095.9345366079.6055242386.61341.5%
2017-102569343.6935186337.8355174073.4340.0%
2017-091963405.3285251240.5635244141.54142.1%
2017-081912197.7115270775.7165258781.38742.3%
2017-071988629.6075213854.4445263482.37142.2%
2017-061885665.0615163174.1155289618.33742.9%
2017-051889450.4495126918.7355208057.93342.6%
2017-041829564.9945098844.9235230354.10843.0%
2017-031822146.9225072539.4855146641.78142.7%
2017-021817381.2645054090.9875059168.16242.4%
2017-011777257.2144966090.445107658.42343.1%
2016-121823500.0634939314.8074926608.47542.1%
2016-111881740.595069162.4064778657.38140.7%
2016-101845464.8855021231.2384797458.02441.1%
2016-091860676.0934925081.7924805901.77741.5%
2016-081781178.9154896830.1994647462.06541.0%
2016-071778172.8584823702.7754611402.1341.1%
2016-061724276.5134686727.114607279.4141.8%
2016-051689893.5864629148.5494597384.31442.1%
2016-041688367.6324619818.0584673319.14742.6%
2016-031713091.0994612236.6944618149.58742.2%
2016-021637298.2744522020.4054658968.05343.1%
2016-011666720.1924523260.14708409.64443.2%
2015-121621805.5774495028.8814602673.16742.9%
2015-111681962.3434455464.674509802.26742.4%
2015-101676336.8684439747.1274509955.65842.4%
2015-091677559.1344355624.1144595962.4143.2%
2015-081608627.9574300823.4684726520.54544.4%
2015-071555371.4914271276.2034681902.4844.6%
2015-061578986.3214204936.0084740498.47745.0%
2015-051587832.1414271248.524675404.27644.4%
2015-041507425.9674203922.0144762713.28545.5%
2015-031599308.6263948659.714826133.41946.5%
2015-021377177.8223966915.3374772310.38547.2%
2015-011449451.5163943328.8844755299.37346.9%
2014-121378638.5483965478.0624694501.04846.8%
2014-111376095.0243944689.2784720852.62247.0%
2014-101421700.8193911613.3494669044.56946.7%
2014-091347875.0443868350.5744669110.12647.2%
2014-081329664.0383846320.0564639783.95147.3%
2014-071379176.9273814368.3254617244.15247.1%
2014-061304972.1133722002.7714552259.13247.5%
2014-051237080.1293693734.0854559793.89548.0%
2014-041244088.8373645420.7824472018.50147.8%
2014-031202479.5263572057.784382488.69547.9%
2014-021335409.0453645658.0334317521.67246.4%
2014-011167472.9333635938.8144349703.50347.5%
2013-121197016.4223696099.4144258529.6746.5%
2013-111202582.9793694592.8394140705.67245.8%
2013-101191856.4423664888.2864090447.72845.7%
2013-091174712.8213564777.1054142773.36946.6%
2013-081138165.5183520112.2183969838.85646.0%
2013-071145513.8393426911.2584011689.60946.7%
2013-061128909.8933354153.9743974669.53647.0%
2013-051143983.3543476817.3523932854.7846.0%
2013-041116492.0693482203.7513852745.88645.6%
2013-031090366.8963417572.3023822458.29745.9%
2013-021129951.5753480830.0153800098.03545.2%
2013-011104753.9063469043.1723940063.86146.3%
2012-121095494.8233391562.4123788984.92845.8%
2012-111071835.6313305603.7613758638.51846.2%
2012-101064069.6283281751.6963724626.03646.2%
2012-091019522.273186959.0243714442.51446.9%
2012-081005571.933146814.3653669088.07446.9%
2012-071001383.1363064791.113679073.66447.5%
2012-06957138.7653021460.4233710621.23248.3%
2012-05956589.4643020070.523609281.63947.6%
2012-04955578.3943082268.4743690453.46247.8%
2012-03918105.9453072567.6873660106.4147.8%
2012-02944111.5433061790.0853711146.81548.1%
2012-01855326.4053010594.9613789342.54349.5%
2011-12879018.3132904906.2683783785.82450.0%
2011-11881713.1022884844.5663740820.97449.8%
2011-10890486.5442905368.3233650781.01249.0%
2011-09881153.6982870654.943552363.09748.6%
2011-08880904.7722892409.3913543229.27748.4%
2011-07901610.7832967685.4953491322.06547.4%
2011-06860609.5852907337.3663444403.79947.8%
2011-05901874.3222916846.2043462015.99847.6%
2011-04857790.4072963696.6283411661.29247.2%
2011-03817669.1042886286.643350187.94147.5%
2011-02835253.2942892175.6563183293.74146.1%
2011-01829593.6312924459.8833190625.48945.9%
2010-12798420.9232913056.4643132303.52745.8%
2010-11820977.1522916582.973089623.38345.3%
2010-10910841.4162946752.6313168535.90245.1%
2010-09862452.0672814661.9543038808.24645.2%
2010-08735100.7882708746.2893036379.24746.9%
2010-07710273.5512681119.4423053485.49647.4%
2010-06696600.0012619356.0893016265.40847.6%
2010-05720783.0982628789.0142904993.9646.4%
2010-04766687.2772708386.3523032152.9246.6%
2010-03737496.352671771.3112935652.97546.3%
2010-02719337.972660860.7832911755.99246.3%
2010-01714778.9622668919.5312921163.56646.3%
2009-12707499.9082698879.9032951281.89346.4%
2009-11738799.7342691375.1553053397.48747.1%
2009-10724597.5662682521.4923047777.96247.2%
2009-09719561.2892612916.0813065101.15247.9%
2009-08640295.8262550772.7883076344.70849.1%
2009-07608764.7942517470.0183130129.75850.0%
2009-06578588.3432369836.023296998.59852.8%
2009-05553156.7432322888.9683258109.73753.1%
2009-04508154.1652224971.4393276768.31654.5%
2009-03511801.812174324.6453302588.13155.1%
2009-02495062.7642087315.2993310600.33356.2%
2009-01499150.7882043383.1493413311.01157.3%
2008-12475352.5081945455.6363605814.35159.8%
2008-11438313.8011781137.9423648816.7862.2%
2008-10446301.6671666802.83660967.63563.4%
2008-09432667.6011661890.9253716254.54464.0%
2008-08434415.4621659761.733551128.63962.9%
2008-07434805.5131671166.6793583074.76363.0%
2008-06449269.21660834.633560431.34862.8%
2008-05435039.771701518.0563563481.73762.5%
2008-04449707.2951701712.9833594033.79362.6%
2008-03457497.4991646180.3173628383.82763.3%
2008-02447782.1811661875.8523678152.55263.5%
2008-01454645.6861617919.8443671839.04863.9%
2007-12458695.5041629237.2593750699.38264.2%
2007-11758043.3221556459.7643755152.661.9%
2007-10520512.6471521939.0414093271.21966.7%
2007-09480239.8511444232.8953741389.75766.0%
2007-08385956.0221430578.5443473643.89465.7%
2007-07386601.4741424715.6583381492.61265.1%
2007-06493099.5781405165.1733403242.38164.2%
2007-05367057.4391392174.7533271989.03765.0%
2007-04360078.4691374438.6753176348.00964.7%
2007-03381523.8431318711.4793245152.24965.6%
2007-02355220.2681341656.8353284177.52265.9%
2007-01344445.3061328090.8043142824.99365.3%
2006-12341417.0611359312.8073024598.33364.0%
2006-11523391.3981281278.4143060522.57462.9%
2006-10352292.0021282329.1462899817.68664.0%
2006-09321792.9391225105.4132976426.30965.8%
2006-08304398.991209435.5642911823.96565.8%
2006-07296272.6591195143.0422842991.78365.6%
2006-06301580.5691183053.982818095.93565.5%
2006-05502967.8491153134.8682868430.64263.4%
2006-04299663.6631190525.9242796230.40965.2%
2006-03292340.5771163719.1622726412.84965.2%
2006-02437002.8651156638.232654995.32562.5%
2006-01283501.9761157748.8122652325.24864.8%
2005-12292377.0921144483.8262606543.49764.5%
2005-11296762.1321130831.7452555440.25664.2%
2005-10304251.8321139407.5822489637.67163.3%
2005-09289015.3551162132.7192451014.05662.8%
2005-08286787.921166892.2132423303.74462.5%
2005-07296602.681190992.6752367410.4961.4%
2005-06295219.6711216002.1192322743.78760.6%
2005-05297919.3551234275.1042273982.5259.7%
2005-04305861.3441288329.7052250464.54158.5%
2005-03317289.9921331648.7892182983.35157.0%
2005-02338532.3871395690.3942153237.90355.4%
2005-01362988.6871403661.3022068357.94253.9%
2004-12343690.9881432010.7312070777.86453.8%
2004-11333891.9351396360.6252094832.54154.8%
2004-10317718.9551334370.3122025644.45555.1%
2004-09306259.4651302940.7561985590.59255.2%
2004-08300036.8351302578.3291931486.04254.7%
2004-07302210.1171326136.6921886150.29553.7%
2004-06312292.4791321860.7891889393.90753.6%
2004-05308871.21327438.4651864830.3253.3%
2004-04304022.2091337649.2971857063.25753.1%
2004-03303017.4141323177.7261885584.37253.7%
2004-02295477.8771311745.3722037862.08655.9%
2004-01291092.4661323990.9141989236.9755.2%
2003-12285556.1861277527.4211960838.98555.6%
2003-11263973.911239832.6461963755.68556.6%
2003-10275453.9751186715.4732032720.39658.2%
2003-09226227.5331098079.7042069218.51461.0%
2003-08210171.3541061254.3332078432.61262.0%
2003-07209530.641048747.5272072464.40562.2%
2003-06201229.7271031715.952076620.39662.7%
2003-05190183.2861016750.1212094350.2963.4%
2003-04182140.604980898.6672098452.53964.3%
2003-03181348.272977674.7922085174.72564.3%
2003-02180707.808968344.1682118092.52864.8%
2003-01172210.602946694.5412152403.45765.8%
2002-12182415.7946499.9392146840.20365.5%
2002-11174079.644929054.2632179723.65466.4%
2002-10169648.658905079.0752190579.98167.1%
2002-09164442.641892356.0632187488.88667.4%
2002-08161348.11895829.9612189810.6767.4%
2002-07165025.407881203.5892199773.49467.8%
2002-06160844.772890122.2772236662.36968.0%
2002-05156396.91886878.2082247355.3168.3%
2002-04157784.687865975.3412243799.35168.7%
2002-03154015.407852786.6212241066.2869.0%
2002-02156972.594860428.972247006.50568.8%
2002-01158350.72846116.8372330872.42369.9%
2001-12156428.954851453.6382358746.53670.1%
2001-11151135.19828867.72429066.76571.3%
2001-10152250.669803343.5732462161.96772.0%
2001-09142013.574784821.1672505253.95173.0%
2001-08152561.488757559.8542560556.46873.8%
2001-07138346.878749857.1222540904.5574.1%
2001-06133135.886752434.9792557426.88874.3%
2001-05131018.455732665.6362572300.71674.9%
2001-04130262.55715466.0842577521.6975.3%
2001-03132318.838701532.5922563603.83975.5%
2001-02139704.672702161.1132608489.29275.6%
2001-01140220.25706803.1022615567.80975.5%
2000-12152086.383695908.6652642660.31475.7%
2000-11151999.505680406.5542632302.60276.0%
2000-10138660.228669690.6752593891.0176.2%
2000-09130384.458637160.9972628916.37277.4%
2000-08134422.157662864.7642601402.45576.5%
2000-07136180.312651259.6092536034.12776.3%
2000-06124987.272636225.3362539834.34676.9%
2000-05124825.342613314.5112477530.83977.0%
2000-04125436.061639495.2472465845.12476.3%
2000-03128677.987654821.1592438644.9875.7%
2000-02147325.049644778.1192392736.28875.1%
2000-01135549.638657741.0562381334.10575.0%
1999-12125637.124643562.7692440618.51576.0%
1999-11121821.692613944.8792451947.98476.9%
1999-10122298.35612904.4742371447.07576.3%
1999-09119462.826597931.5592389101.62276.9%
1999-08116583.592597750.972337792.25676.6%
1999-07115232.528599396.3852334186.68476.6%
1999-06116549.421609723.3282283694.92275.9%
1999-05113117.889596214.2822278011.91376.3%
1999-04113572.187590727.4642294808.55376.5%
1999-03114689.04566770.8742292955.00577.1%
1999-02109163.832571681.7482265281.78776.9%
1999-01114062.213576274.4542277793.51776.7%
1998-12116492.51583374.0862254089.81176.3%
1998-11121241.987566871.0822243540.25876.5%
1998-10116559.929533748.8462293452.55277.9%
1998-09109596.779466975.462302386.89480.0%
1998-08108386.05455770.892271681.88380.1%
1998-07111664.204465636.7382218115.11479.3%
1998-06109018.565464511.4462118390.35778.7%
1998-05110689.449486751.1052086890.12277.7%
1998-04120955.186510845.5532086850.97476.8%
1998-03120716.053517489.2382085209.42776.6%
1998-02117937.974504461.8682085622.62277.0%
1998-01114975.147459547.2262085333.17878.4%
1997-12127503.774491018.8952025286.67876.6%
1997-11128726.829486498.7862030017.6876.7%
1997-10142113.864479688.762061251.23876.8%
1997-09142935.194502592.9312058554.73176.1%
1997-08141628.018520546.4771988956.49975.0%
1997-07148457.969526402.3611992795.58374.7%
1997-06145150.601532639.5311967392.84974.4%
1997-05147189532073.2221944580.92574.1%
1997-04148022.255515906.2021923643.90474.3%

口徑與限制

數據如何計算?

存款數據來自香港金融管理局每月統計,反映香港銀行體系的客戶存款,並不等同香港個人、家庭或單一銀行的存款。

存款比例以活期、儲蓄及定期存款三類金額合計計算。按月變化比較最新月份與前一個月,按年變化則比較同月的上一年數字。

HIBOR採用金管局公布的每日3個月香港銀行同業拆息,按月計算算術平均,以配合月度存款資料;非交易日或缺漏數值不會以零補上。

官方來源

數據來源
與更新

核心數據來自香港金融管理局官方 API。下列分別說明資料的統計頻率與本頁所用資料期。

客戶存款金管局按月公布

本頁最新存款資料期為 2026年6月。

3個月 HIBOR金管局按每日交易日公布

本頁以每日數字計算月度平均,最新資料月份為 2026年7月。

Agoodeal網站資料更新