Interest rates for personal loans are so low in HK, and i see the opportunity to make money for nothing by putting that money in a Term deposit. I intend to wait for the Aussie dollar to drop to the 6.5 mark before i do this...but i wonder am i overlooking anything else? Any suggestions on the most economical way of doing this..best bank etc ....i see some banks offering up to 6% interest on a 2yr deposit.!!!