https://hkfinbox.com/en/blog Practical Hong Kong guides on mortgages, debt, MPF, tax, employment rights and retirement. en-HK Tue, 28 Jul 2026 00:00:00 GMT https://hkfinbox.com/en/blog/mortgage-refinance-cost-hk https://hkfinbox.com/en/blog/mortgage-refinance-cost-hk 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. Tue, 28 Jul 2026 00:00:00 GMT https://hkfinbox.com/en/blog/mortgage-prepayment-hk https://hkfinbox.com/en/blog/mortgage-prepayment-hk Before making a mortgage prepayment, compare penalty terms, emergency cash, a shorter term and a lower instalment—not interest saved alone. Tue, 28 Jul 2026 00:00:00 GMT https://hkfinbox.com/en/blog/balance-transfer-apr-hk https://hkfinbox.com/en/blog/balance-transfer-apr-hk A lower balance-transfer instalment does not guarantee a lower cost. Compare APR, term, fees, early-settlement terms and payoff date. Tue, 28 Jul 2026 00:00:00 GMT https://hkfinbox.com/en/blog/rent-vs-buy-hk https://hkfinbox.com/en/blog/rent-vs-buy-hk Rent versus buy is more than rent against mortgage payments. Include the deposit's opportunity cost, transaction costs, holding costs and flexibility. Tue, 28 Jul 2026 00:00:00 GMT https://hkfinbox.com/en/blog/mpf-retirement-plan-hk https://hkfinbox.com/en/blog/mpf-retirement-plan-hk MPF is only one part of retirement assets. Build a plan around spending, inflation, contribution gaps, TVC and withdrawal timing. Tue, 28 Jul 2026 00:00:00 GMT https://hkfinbox.com/en/blog/salaries-tax-deduction-checklist-hk https://hkfinbox.com/en/blog/salaries-tax-deduction-checklist-hk A tax cap is not automatic eligibility. Organise allowances, qualifying deductions, documents and provisional tax by year of assessment. Tue, 28 Jul 2026 00:00:00 GMT https://hkfinbox.com/en/blog/credit-card-minimum-payment-hk https://hkfinbox.com/en/blog/credit-card-minimum-payment-hk 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. Mon, 27 Jul 2026 00:00:00 GMT https://hkfinbox.com/en/blog/hk-salaries-tax-allowances-guide https://hkfinbox.com/en/blog/hk-salaries-tax-allowances-guide A clear overview of basic allowance, married person's allowance, dependent parent/child allowances, MPF TVC, home loan interest and residential rent deduction. Wed, 23 Jul 2025 00:00:00 GMT https://hkfinbox.com/en/blog/mpf-contribution-rates-2025 https://hkfinbox.com/en/blog/mpf-contribution-rates-2025 MPF is a key part of retirement savings for employees. Understanding contribution rates, income limits and tax-deductible voluntary contributions helps you plan better. Sun, 20 Jul 2025 00:00:00 GMT https://hkfinbox.com/en/blog/mortgage-stress-test-hk https://hkfinbox.com/en/blog/mortgage-stress-test-hk 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. Tue, 15 Jul 2025 00:00:00 GMT https://hkfinbox.com/en/blog/fire-retirement-hk https://hkfinbox.com/en/blog/fire-retirement-hk The FIRE movement emphasises saving and passive income. Explore the key numbers for achieving FIRE in Hong Kong's high-cost environment. Thu, 10 Jul 2025 00:00:00 GMT