Hong Kong money guidance, with the assumptions visible.

What this site covers

Current tools cover eligible Inland Revenue Department FPS payment QR splitting and an illustrative employer housing-scheme salaries-tax comparison. Guides cover one defined question at a time, with Hong Kong context, assumptions, and primary sources.

Planned topics include points and miles, personal loans, MPF, housing, and savings. A topic remains planned until it has a useful answer; the site does not publish empty keyword pages as if they were finished guidance.

Who publishes this site

HK Personal Finance is published by Wishing Tree Labs, a solo-run independent studio based in Hong Kong that builds practical, useful solutions across multiple industries. Finance, technology, and travel are personal interests that inform the studio's work, not a fixed list of the industries it serves. HK Personal Finance is one of its independent projects.

Published guides show their publication and review dates. The site currently has no affiliate links, paid rankings, or product-placement agreements.

Everything here is general information. A calculator result or guide does not promise approval, savings, tax treatment, investment returns, or suitability for a particular person.