Credit cards
How to value Hong Kong credit-card points and miles
A Hong Kong-specific way to decide whether credit-card points or airline miles justify an annual fee, without pretending one card is best for everyone.
阅读指南作出更好理财决策所需的实用背景。
清晰解说影响香港生活的计划、产品及日常选择。
最新指南
读完，再做真正有用的事。
MPF
How mandatory MPF contributions work for Hong Kong employees
A plain-language guide to employee and employer mandatory MPF contributions, relevant-income limits, assumptions, and the official MPFA source.
阅读指南Personal loans
How to compare personal-loan cost in Hong Kong
Use APR, fees, repayment terms, and your repayment ability to compare Hong Kong personal loans without mistaking a flat monthly rate for the full borrowing cost.
阅读指南Personal finance
What HK Personal Finance currently provides
A clear starting point for Hong Kong personal finance tools, source-backed explainers, and coverage that is still planned.
阅读指南