Withdrawing MPF in Hong Kong: Age 65, eMPF and Permanent Departure
When MPF can be withdrawn: eMPF process, age 65, permanent departure and instalments. Use the retirement-age article for the three early-retirement conditions.
Finance Knowledge Hub
Hong Kong Finance Guides
Practical articles on Hong Kong personal finance, taxes, MPF, property, FIRE and retirement planning. All content is for reference only and aims to help you make better use of the calculators on this site.
Hong Kong Long Service Payment: Eligibility, Resignation and MPF Offset Reform
Five years of service does not automatically qualify an employee for long service payment. Check termination reasons, caps and the post-2025 MPF offset rules.
Before GSH Flat Selection: Deposit, Term and Cash in Hong Kong
Check Green Form GSH eligibility first, then estimate the deposit, mortgage term and post-completion cash reserves.
Hong Kong Early-Retirement Conditions | Retirement Age and MPF at 60
Hong Kong early-retirement conditions: age 60, ceased all work, and a statutory declaration. There is still no single statutory private-sector retirement age in 2026.
Hong Kong OALA 2026: Income and Asset Limits
Understand the 2026 Old Age Living Allowance income and asset limits, including owner-occupied homes, MPF, annuities, insurance and couples.
Hong Kong Remortgage: Compare Cashback, Costs and Break-even
A lower mortgage rate or cashback does not prove refinancing is worthwhile. Compare the outstanding balance, penalties, legal fees, valuation, break-even period and total interest.
Mortgage Prepayment in Hong Kong: Shorten the Term or Lower the Payment?
Before a partial mortgage prepayment, check the penalty, notice period and cash buffer. The penalty period ending is not a free prepayment.
Balance Transfer in Hong Kong: Compare APR, Total Repayment and Payoff Date
A lower balance-transfer instalment does not guarantee a lower cost. Compare APR, term, fees, early-settlement terms and payoff date.
Rent or Buy in Hong Kong? Four Costs Beyond the Deposit and Mortgage
Rent versus buy is more than rent against mortgage payments. Include the deposit's opportunity cost, transaction costs, holding costs and flexibility.
Is MPF Enough for Retirement? A Hong Kong Plan for Contributions, TVC and Inflation
MPF is only one part of retirement assets. Build a plan around spending, inflation, contribution gaps, TVC and withdrawal timing.
Hong Kong Salaries Tax Checklist: Allowances, TVC, Rent and Home-Loan Interest
A tax cap is not automatic eligibility. Organise allowances, qualifying deductions, documents and provisional tax by year of assessment.
Why Min Pay Never Clears: APR, Interest-Free Period and Balance Transfer
Use the Min Pay calculator for one-month interest and principal. This guide covers the HKMA example, the interest-free period, APR and balance-transfer cost.
Hong Kong Salaries Tax Rates, Allowances and Deductions 2026/27
Hong Kong salaries tax rates, allowances and deductions for 2026/27, including the HK$145,000 basic allowance, MPF/TVC, home-loan interest and residential rent.
Hong Kong Self-Employed MPF Cap | HK$7,100, Not HK$7,500
The self-employed MPF cap is HK$1,500 a month. The current minimum relevant income is HK$7,100, not HK$7,500.
Hong Kong Mortgage Stress Test Suspended: 50% DSR and 70% LTV
Hong Kong's mortgage stress test is suspended, but the 50% DSR, 70% LTV, bank valuation and internal affordability checks still matter in 2026.
How Hongkongers Can Plan for FIRE: Is Financial Independence a Dream?
The FIRE movement emphasises saving and passive income. Explore the key numbers for achieving FIRE in Hong Kong's high-cost environment.