wealthplan.hk — Life-stage wealth planning in Hong Kong

wealthplan.hk is an independently run Hong Kong personal-finance information site edited by Life-Stage Planning Editorial. It does one thing: it breaks the financial questions a Hong Kong resident faces at five stages (single, newly married, with children, pre-retirement, retired) into six modules (protection, liquidity, retirement, education, property and tax) and documents the publicly verifiable rules and figures for each. The scope covers the needs and multiple-of-income methods for a protection gap, the layering of emergency cash and savings tools, MPF contributions, withdrawal and the eMPF Platform, the HK$60,000 combined deduction for qualifying deferred annuity (QDAP) premiums and tax-deductible voluntary contributions (TVC) and the HK$8,000 VHIS deduction, estimating an education reserve, the current mortgage LTV and debt-servicing rules, salaries tax allowances, deduction ceilings and filing dates, and compliance notes for Mainland residents insuring or buying property in Hong Kong.

The site does not cover product recommendations or comparisons of specific insurance or fund products, illustrated returns, investment advice, the legal detail of estate and trust arrangements, or corporate and cross-border tax planning. Product-level subjects such as critical illness, investment-linked policies and premium financing are mentioned only where relevant. Sources are limited to public documents of the Inland Revenue Department (IRD), Mandatory Provident Fund Schemes Authority (MPFA), Insurance Authority (IA), Hong Kong Monetary Authority (HKMA), Census and Statistics Department (C&SD), Investor and Financial Education Council (IFEC), Hospital Authority and the Hong Kong Mortgage Corporation, plus press reports marked as secondary. Every page carries an update date and sources; every figure carries a currency, a year of assessment or effective date and an origin, and where a figure cannot be verified the page describes the mechanism and defers to the latest official document.

The site is not an insurer, licensed insurance intermediary, bank, MPF intermediary or tax adviser; it sells nothing, accepts no applications, makes no referrals and carries on no sales activity in Mainland China. Tax outcomes depend on personal circumstances and the IRD's assessment, and the site promises none. Corrections and additional material can be sent through the site's message form.

Operator

Life-Stage Planning Editorial — Life-Stage Planning Editorial is an independent Hong Kong personal-finance information desk. It organises the planning methods and statutory tools available to Hong Kong residents by life stage: protection-gap arithmetic, emergency funds and savings, MPF and tax-deductible retirement products, VHIS, children's education reserves, mortgages and debt, and salaries tax deductions and filing. Every figure is drawn from public documents of the IRD, MPFA, Insurance Authority, HKMA and C&SD, dated and sourced on each page. The desk sells nothing, accepts no applications and makes no referrals.

This site is run by Life-Stage Planning Editorial, an independent insurance information site providing general education and comparison. It is not an insurer, licensed insurance intermediary or bank, sells no insurance product and accepts no application. Content has not been reviewed, approved or endorsed by the Insurance Authority (IA). For applications, quotations and policy servicing, consult a Hong Kong insurer or licensed insurance intermediary.

Regulators and industry bodies cited on this site

Our material relies on regulations, guidelines and statistics published by the bodies below, cited page by page with dates. This site has no affiliation with, authorisation from, or endorsement by any of them.

Editorial principles

  1. We compile only public material from insurers, banks, regulators and official statistics, citing source and date per item; where the source is silent, we do not infer.
  2. We separate guaranteed from non-guaranteed, fact from opinion, regulation from practice; illustrations, back-tests and past performance do not indicate future results.
  3. We do not recommend products or promise returns, approvals or tax outcomes; personalised advice is the responsibility of licensed or exempt institutions and their appointed representatives.
  4. Cross-border content states the applicable jurisdiction; readers should obtain advice in their own jurisdiction.
  5. If you spot an error or outdated figure, tell us via the contact page; corrections are dated.

Editorial policy

Every article follows one process: define a single question, consult public documents from regulators, insurers and official statistics and record each source with its date, then have a second editor cross-check figures, terminology and the version of the rules cited. Pages are dated when updated. Guaranteed and non-guaranteed items, and facts and opinions, are labelled separately; nothing is inferred where sources are silent.