[{"@context":"https://schema.org","@type":"Article","headline":"Chat GPT 話你知！美元定存或港元定存更著數？！","image":["https://cloudapp01.ulifestyle.com.hk/post/600-4-5-CR-1-RB-1/post_1739086204431.jpeg","https://cloudapp01.ulifestyle.com.hk/post/600-4-5-CR-1-RB-1/post_1739086657762.jpeg","https://cloudapp01.ulifestyle.com.hk/post/600-4-5-CR-1-RB-1/post_1739086673850.jpeg"],"datePublished":"2025-02-09 15:49:10+08:00","url":"/community/detailpost/a37ed835-b4c8-4147-af32-70585f152db6/科技/晴美/236153","author":{"@type":"Person","name":"晴美","url":"https://www.ulifestyle.com.hk/community/user_profile/236153"},"text":"#UCreatorHK #chatgpt \n提問Chat GPT指令:中銀港元兌換美元匯率是1:7.80,做3個月美元定存利息率有3.6%;Welab HK 港元定期存款利息率是3個月3.45%,請問10000港幣成本,哪個方案三個月後更多利息?(假設3個月後港元兌換美元匯率是1:7.80)\n\n圖片更正:3.45%港元定期是Welab Bank 虛擬銀行的息率,up to 9/2/2025\n\n圖片顯示結果是:每$10,000港幣成本,美元定存小勝一個馬鼻,多$4利息｡分析🧐其實美元定存唔抵玩,要用1M 港幣做定期先睇到明顯差別｡但要承受匯率波動的風險｡仲要匯率已經是員工優惠,街價更不抵玩(1:7.82xxx)｡\n\n平心而論:縱向比較,中銀港元定期存款利息率是3個月3%(截至9/2/2025),同行比較,的確美元定存更高息,但手上有虛擬銀行的息率,虛擬銀行都有存款保障認證,當然都在考慮使用範圍內｡\n\n利申:非兩間銀行🏦打手#UCreatorHK "},{"@context":"https://schema.org","@type":"DiscussionForumPosting","headline":"Chat GPT 話你知！美元定存或港元定存更著數？！","image":["https://cloudapp01.ulifestyle.com.hk/post/600-4-5-CR-1-RB-1/post_1739086204431.jpeg","https://cloudapp01.ulifestyle.com.hk/post/600-4-5-CR-1-RB-1/post_1739086657762.jpeg","https://cloudapp01.ulifestyle.com.hk/post/600-4-5-CR-1-RB-1/post_1739086673850.jpeg"],"datePublished":"2025-02-09 15:49:10+08:00","url":"/community/detailpost/a37ed835-b4c8-4147-af32-70585f152db6/科技/晴美/236153","author":{"@type":"Person","name":"晴美","url":"https://www.ulifestyle.com.hk/community/user_profile/236153"},"text":"#UCreatorHK #chatgpt \n提問Chat GPT指令:中銀港元兌換美元匯率是1:7.80,做3個月美元定存利息率有3.6%;Welab HK 港元定期存款利息率是3個月3.45%,請問10000港幣成本,哪個方案三個月後更多利息?(假設3個月後港元兌換美元匯率是1:7.80)\n\n圖片更正:3.45%港元定期是Welab Bank 虛擬銀行的息率,up to 9/2/2025\n\n圖片顯示結果是:每$10,000港幣成本,美元定存小勝一個馬鼻,多$4利息｡分析🧐其實美元定存唔抵玩,要用1M 港幣做定期先睇到明顯差別｡但要承受匯率波動的風險｡仲要匯率已經是員工優惠,街價更不抵玩(1:7.82xxx)｡\n\n平心而論:縱向比較,中銀港元定期存款利息率是3個月3%(截至9/2/2025),同行比較,的確美元定存更高息,但手上有虛擬銀行的息率,虛擬銀行都有存款保障認證,當然都在考慮使用範圍內｡\n\n利申:非兩間銀行🏦打手#UCreatorHK "},{"@context":"https://schema.org","@type":"ImageObject","contentUrl":"https://cloudapp01.ulifestyle.com.hk/post/600-4-5-CR-1-RB-1/post_1739086204431.jpeg","creator":{"@type":"Person","name":"晴美"}}]