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.
Finance Knowledge Hub
HK FinBox Blog
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.
Green Form Home Ownership in Hong Kong: Eligibility, Deposit and Mortgage
Plan Green Form home ownership from eligibility and flat selection to deposit, mortgage term and post-completion cash reserves.
Retirement Age in Hong Kong: Age 60, 65, MPF and Civil Service Rules
Stopping work, withdrawing MPF at 60 or 65 and civil service retirement are different questions. Understand the main Hong Kong rules.
Old Age Living Allowance in Hong Kong: Income and Asset Limits Explained
Understand the 2026 Old Age Living Allowance income and asset limits, including owner-occupied homes, MPF, annuities, insurance and couples.
Hong Kong Mortgage Refinancing: Compare Cashback, Penalties, Legal Fees and the New Term
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 making a mortgage prepayment, compare penalty terms, emergency cash, a shorter term and a lower instalment—not interest saved alone.
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.
Credit Card Minimum Payments in Hong Kong: APR, Payoff Time and Balance Transfer
Why does credit-card debt barely move even when you pay the minimum on time? Understand Hong Kong minimum-payment rules, APR, interest-free periods and balance-transfer costs.
Complete Guide to Hong Kong Salaries Tax Allowances and Deductions
A clear overview of basic allowance, married person's allowance, dependent parent/child allowances, MPF TVC, home loan interest and residential rent deduction.
Hong Kong MPF Contributions in 2026: Salary, Bonuses and Self-Employment
MPF is a key part of retirement savings for employees. Understanding contribution rates, income limits and tax-deductible voluntary contributions helps you plan better.
Hong Kong Mortgages in 2026: 70% LTV, 50% DSR and the Stress-Test Change
A current guide to Hong Kong's 70% LTV cap, 50% debt-servicing limit and what banks still assess after the interest-rate stress test was suspended.
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.