{"id":42736,"date":"2025-03-10T20:34:08","date_gmt":"2025-03-10T18:34:08","guid":{"rendered":"https:\/\/accessfinancial.com\/?post_type=country-guides&#038;p=42736"},"modified":"2026-08-21T15:14:10","modified_gmt":"2026-08-21T12:14:10","slug":"hong-kong","status":"publish","type":"country-guides","link":"https:\/\/accessfinancial.com\/nl\/country-guides\/hong-kong\/","title":{"rendered":"Hong Kong"},"content":{"rendered":"\n<div id=\"overview\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"nv-iframe-embed\"><iframe loading=\"lazy\" title=\"Hire, pay and move talent anywhere \u2014 compliantly | Access Financial\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/OsUQCdOelLE?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n\n\n<div id=\"country-guide-details\"><div class=\"flag-container\"><svg class=\"icon\"><use xlink:href=\"#flag-for-hong-kong\"><\/use><\/svg><span class=\"has-medium-font-size\">Hong Kong<\/span><\/div><div class=\"details-inner\"><div class=\"meta-row\"><span class=\"meta-label\">Total population:<\/span><span class=\"meta-value\">~ 7.51 million (end-2025, provisional)<\/span><\/div><div class=\"meta-row\"><span class=\"meta-label\">Capital:<\/span><span class=\"meta-value\">Hong Kong<\/span><\/div><div class=\"meta-row\"><span class=\"meta-label\">Currency<\/span><span class=\"meta-value\">Hong Kong dollar (HKD)<\/span><\/div><div class=\"meta-row\"><span class=\"meta-label\">Total number of expats:<\/span><span class=\"meta-value\">690,000<\/span><\/div><div class=\"meta-row\"><span class=\"meta-label\">Local Language(s):<\/span><span class=\"meta-value\">Cantonese and English<\/span><\/div><div class=\"meta-row\"><span class=\"meta-label\">Weather:<\/span><span class=\"meta-value\">Subtropical climate. Hot, humid summers and mild winters. Mean temperatures are about 16\u00b0C in January and 29\u00b0C in July. Typhoon season runs June to October \u2013 the city has robust storm preparedness and warning systems<\/span><\/div><div class=\"meta-row\"><span class=\"meta-label\">Biggest cities:<\/span><span class=\"meta-value\">Hong Kong Island (central business districts), Kowloon Peninsula, and the New Territories (plus outlying islands)<\/span><\/div><hr><div class=\"meta-row\"><span class=\"meta-label\">Minimum salary levels<\/span><span class=\"meta-value\"><p>HK$43.1 per hour (statutory minimum, rising from HK$42.1 with effect from 1 May 2026 under the new annual review mechanism)<\/p>\n<\/span><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Country Overview<\/h2>\n\n\n\n<p>Hong Kong is a vibrant metropolis and Special Administrative Region of China, known as &#8220;Asia&#8217;s World City.&#8221; It operates under the &#8220;one country, two systems&#8221; principle, maintaining its own legal and economic systems until at least 2047. The city is a global financial hub with a free-market economy and low taxation, attracting businesses and expat professionals worldwide.<\/p>\n\n\n\n<p>English and Chinese (Cantonese) are official languages, so many services and signs are bilingual, which helps foreign residents integrate. Hong Kong offers a high standard of infrastructure, efficient public transport, and a low crime rate. With a population of approximately 7.51 million and around 690,000 expats, the city blends Eastern and Western influences. The immigration system is largely employer-sponsor based, with several talent-attraction schemes for professionals.<\/p>\n\n\n\n<p>*<em>This guide is intended for general informational purposes only and should not be viewed as legal or tax advice. The information discussed may change frequently, and Access Financial cannot guarantee that all content remains current at all times.<\/em><\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group guide-badge has-background is-nowrap is-layout-flex wp-container-core-group-is-layout-2 wp-block-group-is-layout-flex\" style=\"border-radius:12px;border-left-color:#48bb78;border-left-width:3px;background-color:#f4fbf6;padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40)\">\n<figure class=\"wp-block-image size-full is-resized shrink-0\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/success-icon.svg\" alt=\"\" class=\"wp-image-71603\" style=\"width:28px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"badge-title\" style=\"font-style:normal;font-weight:700\">2026 Key Legislative Updates<\/p>\n\n\n\n<p class=\"badge-desc has-small-font-size\">Statutory minimum wage rises to&nbsp;<strong>HK$43.1\/hour<\/strong>&nbsp;from 1 May 2026. The new&nbsp;<strong>&#8220;468 Rule&#8221;<\/strong>&nbsp;for continuous employment takes effect from 18 January 2026 (17 hours\/week, or 68 hours over 4 weeks).&nbsp;<strong>Easter Monday<\/strong>&nbsp;becomes a statutory holiday (15 statutory holidays total). MPF severance offsetting was abolished on 1 May 2025.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div id=\"contracts\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Contracts<\/h2>\n\n\n\n<p>Hong Kong&#8217;s Employment Ordinance is the principal piece of legislation governing employment relationships. It does not distinguish between full-time, part-time, temporary, or permanent employees in terms of legal rights \u2014 what matters is whether an employee meets the &#8220;continuous employment&#8221; threshold.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Contract Types<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Contract Type<\/th><th>Duration<\/th><th>Key Features<\/th><\/tr><\/thead><tbody><tr><td>Permanent (Open-Ended)<\/td><td>Indefinite<\/td><td>Continuous indefinite employment; most common arrangement for full-time roles<\/td><\/tr><tr><td>Fixed-Term<\/td><td>Specified end date<\/td><td>For project-based roles; must be in writing and signed by both parties; may become continuous if renewed<\/td><\/tr><tr><td>Part-Time<\/td><td>Indefinite or fixed<\/td><td>Same statutory rights if continuous employment threshold met; benefits may be pro-rated<\/td><\/tr><tr><td>Casual \/ Short-Term<\/td><td>As needed<\/td><td>Common in hospitality, construction, events; limited entitlements if below the continuous employment threshold<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-group guide-badge has-background is-nowrap is-layout-flex wp-container-core-group-is-layout-5 wp-block-group-is-layout-flex\" style=\"border-radius:12px;border-left-color:#5ac3d8;border-left-width:3px;background-color:#f0f9ff;padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40)\">\n<figure class=\"wp-block-image size-full is-resized shrink-0\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/info-icon.svg\" alt=\"\" class=\"wp-image-71605\" style=\"width:28px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"badge-title\" style=\"font-style:normal;font-weight:700\">The New &#8220;468 Rule&#8221; \u2014 From 18 January 2026<\/p>\n\n\n\n<p class=\"badge-desc has-small-font-size\">An employee qualifies for continuous employment status \u2014 and the full range of statutory benefits \u2014 if they work at least&nbsp;<strong>17 hours per week<\/strong>, or&nbsp;<strong>68 hours aggregated over 4 weeks<\/strong>. This replaces the previous &#8220;418 Rule&#8221; and broadens statutory protection to more part-time and irregular workers.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">What Your Contract Must Include<\/h3>\n\n\n\n<div class=\"wp-block-columns boxed-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading\">Standard Contractual Terms<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Job title and description<\/li>\n\n\n\n<li>Start date and contract duration (if fixed-term)<\/li>\n\n\n\n<li>Wages and pay frequency<\/li>\n\n\n\n<li>Working hours and place of work<\/li>\n\n\n\n<li>Annual leave entitlement<\/li>\n\n\n\n<li>Notice period (both sides)<\/li>\n\n\n\n<li>Sickness allowance entitlement<\/li>\n\n\n\n<li>MPF (Mandatory Provident Fund) details<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading\">Common Additional Clauses<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Confidentiality \/ NDA provisions<\/li>\n\n\n\n<li>Intellectual property assignment<\/li>\n\n\n\n<li>Restrictive covenants (non-compete, non-solicit)<\/li>\n\n\n\n<li>Probation terms (typically 3 months)<\/li>\n\n\n\n<li>Bonus and commission structure<\/li>\n\n\n\n<li>Housing allowance or accommodation provision<\/li>\n\n\n\n<li>Group medical insurance details<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group guide-cta has-border-color has-background is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-6 wp-block-group-is-layout-flex\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;background-color:#f0f9ff;padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"cta-title\" style=\"font-style:normal;font-weight:700\">Access Financial drafts Hong Kong-compliant employment contracts and manages onboarding for EOR engagements.<\/p>\n\n\n\n<div class=\"wp-block-buttons shrink-0 is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-primary consult-popup pum-trigger\"><a class=\"wp-block-button__link wp-element-button\">SPEAK TO US<\/a><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div id=\"working-hours\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Working Hours &amp; Overtime<\/h2>\n\n\n\n<p>Hong Kong does not have a statutory maximum working hours for most jobs. Working time is set by contract, with practice varying significantly by industry.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Parameter<\/th><th>Rule<\/th><th>Notes<\/th><\/tr><\/thead><tbody><tr><td>Statutory maximum hours<\/td><td>None<\/td><td>No general statutory cap; set by contract<\/td><\/tr><tr><td>Average working week<\/td><td>44 \u2013 48 hrs<\/td><td>Banking, finance and legal sectors often work longer hours<\/td><\/tr><tr><td>Typical business hours<\/td><td>9:00am \u2013 6:00pm<\/td><td>Most professional firms operate Mon\u2013Fri<\/td><\/tr><tr><td>Work week<\/td><td>5 days standard<\/td><td>Some local firms still operate half-day Saturdays<\/td><\/tr><tr><td>Overtime rate<\/td><td>No statutory rate<\/td><td>Subject to contract; typically not paid to salaried professionals<\/td><\/tr><tr><td>Statutory minimum wage<\/td><td>HK$43.1\/hr<\/td><td>Effective 1 May 2026 (up from HK$42.1)<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Labour Department, HKSAR Government, 2026.<\/figcaption><\/figure>\n\n\n\n<div class=\"wp-block-group guide-badge has-background is-nowrap is-layout-flex wp-container-core-group-is-layout-9 wp-block-group-is-layout-flex\" style=\"border-radius:12px;border-left-color:#48bb78;border-left-width:3px;background-color:#f4fbf6;padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40)\">\n<figure class=\"wp-block-image size-full is-resized shrink-0\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/success-icon.svg\" alt=\"\" class=\"wp-image-71603\" style=\"width:28px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"badge-title\" style=\"font-style:normal;font-weight:700\"><strong>Minimum Wage Review \u2014 From May 2026<\/strong><\/p>\n\n\n\n<p class=\"badge-desc has-small-font-size\">Hong Kong has moved to an&nbsp;<strong>annual review mechanism<\/strong>&nbsp;for the statutory minimum wage. The rate increases to HK$43.1\/hour from 1 May 2026, providing more predictable adjustments for employers and workers.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div id=\"probation-period\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Probation Period<\/h2>\n\n\n\n<p>No statutory probation period in Hong Kong law \u2014 it is contractual, typically 3 months (sometimes 6).<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Parameter<\/th><th>Standard practice<\/th><th>Legal notes<\/th><\/tr><\/thead><tbody><tr><td>Typical duration<\/td><td>3 months<\/td><td>6 months also used; no statutory maximum<\/td><\/tr><tr><td>Notice in first month<\/td><td>None<\/td><td>Either party may terminate without notice<\/td><\/tr><tr><td>Notice after first month (during probation)<\/td><td>7 days (or as per contract)<\/td><td>Often shorter than post-probation notice<\/td><\/tr><tr><td>Statutory rights during probation<\/td><td>Most apply from day one<\/td><td>Minimum wage, statutory holidays, MPF (after 60 days)<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div id=\"immigration\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Immigration &amp; Work Visas<\/h2>\n\n\n\n<p>Almost everyone who is not a Hong Kong permanent resident or Chinese national needs a visa to legally work or reside in Hong Kong. The immigration system is largely employer-sponsor based, although several talent-attraction schemes allow professionals to enter without a prior job offer.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group guide-badge has-background is-nowrap is-layout-flex wp-container-core-group-is-layout-13 wp-block-group-is-layout-flex\" style=\"border-radius:12px;border-left-color:#48bb78;border-left-width:3px;background-color:#f4fbf6;padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40)\">\n<figure class=\"wp-block-image size-full is-resized shrink-0\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/success-icon.svg\" alt=\"\" class=\"wp-image-71603\" style=\"width:28px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"badge-title\" style=\"font-style:normal;font-weight:700\">Top Talent Pass Scheme (TTPS) \u2014 2026 Update<\/p>\n\n\n\n<p class=\"badge-desc has-small-font-size\">The eligible-universities list was updated to&nbsp;<strong>200 institutions<\/strong>&nbsp;on 1 January 2026. Category A applicants (earnings of HK$2.5M+ in the past year) now receive a&nbsp;<strong>36-month initial visa<\/strong>&nbsp;(Categories B and C: 24 months). Hong Kong Identity Card (HKID) registration is mandatory within 30 days of arrival on a visa valid for more than 180 days.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Key Visa Routes for Foreign Professionals<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Visa Route<\/th><th>Job Offer Needed?<\/th><th>Sponsor?<\/th><th>Initial Duration<\/th><\/tr><\/thead><tbody><tr><td>General Employment Policy (GEP)<\/td><td>Yes<\/td><td>HK employer<\/td><td>2 \u2013 3 years; renewable<\/td><\/tr><tr><td>Top Talent Pass \u2014 Category A<\/td><td>No<\/td><td>No<\/td><td>36 months<\/td><\/tr><tr><td>Top Talent Pass \u2014 Categories B &amp; C<\/td><td>No<\/td><td>No<\/td><td>24 months<\/td><\/tr><tr><td>Quality Migrant Admission Scheme (QMAS)<\/td><td>No<\/td><td>No<\/td><td>Points-based; no quota cap in 2026<\/td><\/tr><tr><td>Immigration Arrangements for Non-local Graduates (IANG)<\/td><td>No (initially)<\/td><td>No<\/td><td>12 months to seek employment<\/td><\/tr><tr><td>ASMTP (Mainland China nationals)<\/td><td>Yes<\/td><td>HK employer<\/td><td>2 \u2013 3 years; renewable<\/td><\/tr><tr><td>Entrepreneur (under GEP)<\/td><td>N\/A<\/td><td>Business plan required<\/td><td>Subject to business case<\/td><\/tr><tr><td>Dependant Visa (spouse \/ unmarried children under 18)<\/td><td>No<\/td><td>Sponsor: principal visa holder<\/td><td>Linked to sponsor&#8217;s visa; spouses may work without separate permit<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Hong Kong Immigration Department, 2026.<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Path to Permanent Residence<\/h3>\n\n\n\n<p>After&nbsp;<strong>7 years<\/strong>&nbsp;of continuous ordinary residence in Hong Kong, foreign nationals are eligible to apply for Permanent Resident status (&#8220;Right of Abode&#8221;) and a Permanent HKID, granting the right to live and work in Hong Kong indefinitely. Reasonable absences (such as vacations) are permitted during the qualifying period.<\/p>\n\n\n\n<div class=\"wp-block-group guide-cta has-border-color has-background is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-14 wp-block-group-is-layout-flex\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;background-color:#f0f9ff;padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"cta-title\" style=\"font-style:normal;font-weight:700\">AF&#8217;s immigration team handles visa applications, sponsorships, and HKID registration for contractors and professionals relocating to Hong Kong.<\/p>\n\n\n\n<div class=\"wp-block-buttons shrink-0 is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-primary consult-popup pum-trigger\"><a class=\"wp-block-button__link wp-element-button\">IMMIGRATION SUPPORT<\/a><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div id=\"leave\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Leave Entitlements<\/h2>\n\n\n\n<p>Hong Kong&#8217;s statutory leave entitlements are modest by international standards, but most professional employers offer enhanced benefits well above the statutory floor.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Annual Leave<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Length of service<\/th><th>Statutory entitlement<\/th><th>Notes<\/th><\/tr><\/thead><tbody><tr><td>1 year<\/td><td>7 days<\/td><td>After 12 months of continuous employment<\/td><\/tr><tr><td>2 \u2013 8 years<\/td><td>+1 day per year<\/td><td>8 days in year 2, 9 in year 3, etc.<\/td><\/tr><tr><td>9+ years<\/td><td>14 days (cap)<\/td><td>Statutory maximum<\/td><\/tr><tr><td>Market standard (professional roles)<\/td><td>14 \u2013 20+ days<\/td><td>Mid-level: 14; senior: 18\u201320+ days common<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Employment Ordinance, HKSAR Labour Department, 2026.<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Parental Leave<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Leave type<\/th><th>Duration<\/th><th>Pay<\/th><th>Eligibility<\/th><\/tr><\/thead><tbody><tr><td>Maternity<\/td><td>14 weeks<\/td><td>4\/5 (80%) of average salary<\/td><td>40+ weeks of continuous service before leave<\/td><\/tr><tr><td>Paternity<\/td><td>5 days<\/td><td>80% of average salary<\/td><td>40+ weeks of continuous service<\/td><\/tr><tr><td>Statutory Parental Leave (general)<\/td><td>None<\/td><td>\u2014<\/td><td>No separate statutory parental\/childcare leave<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Pregnant employees are protected from termination. Employers may claim reimbursement of the cost of the extra weeks (weeks 11\u201314) of statutory maternity pay, capped at HK$80,000. Source: HKSAR Labour Department.<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Sick Leave (Sickness Allowance)<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Parameter<\/th><th>Rule<\/th><\/tr><\/thead><tbody><tr><td>Accrual \u2014 first 12 months of service<\/td><td>2 paid sickness days per month<\/td><\/tr><tr><td>Accrual \u2014 after 12 months<\/td><td>4 paid sickness days per month<\/td><\/tr><tr><td>Maximum accumulated balance<\/td><td>120 days<\/td><\/tr><tr><td>Rate of pay<\/td><td>80% of average daily wages<\/td><\/tr><tr><td>Minimum sick leave to qualify for pay<\/td><td>4 consecutive days (with medical certificate)<\/td><\/tr><tr><td>Medical certificate<\/td><td>Required for paid sick leave<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Short absences of fewer than 4 days are unpaid by default, though many employers offer additional casual sick days as a benefit. Source: Employment Ordinance.<\/figcaption><\/figure>\n<\/div><\/div>\n\n\n\n<div id=\"public-holidays\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Public Holidays 2026<\/h2>\n\n\n\n<p>Hong Kong has 17 General Public Holidays in 2026. Of these,&nbsp;<strong>15 are now Statutory Holidays<\/strong>&nbsp;\u2014 with Easter Monday added as a new statutory holiday from 2026, narrowing the gap between the two categories.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Date<\/th><th>Day<\/th><th>Holiday<\/th><\/tr><\/thead><tbody><tr><td>1 January<\/td><td>Thursday<\/td><td>New Year&#8217;s Day<\/td><\/tr><tr><td>17 February<\/td><td>Tuesday<\/td><td>Lunar New Year&#8217;s Day<\/td><\/tr><tr><td>18 February<\/td><td>Wednesday<\/td><td>Second day of Lunar New Year<\/td><\/tr><tr><td>19 February<\/td><td>Thursday<\/td><td>Third day of Lunar New Year<\/td><\/tr><tr><td>3 April<\/td><td>Friday<\/td><td>Good Friday<\/td><\/tr><tr><td>4 April<\/td><td>Saturday<\/td><td>Day following Good Friday (Holy Saturday)<\/td><\/tr><tr><td>6 April<\/td><td>Monday<\/td><td>Day following Ching Ming Festival<\/td><\/tr><tr><td>7 April<\/td><td>Tuesday<\/td><td>Day following Easter Monday<\/td><\/tr><tr><td>1 May<\/td><td>Friday<\/td><td>Labour Day<\/td><\/tr><tr><td>25 May<\/td><td>Monday<\/td><td>Day following the Birthday of the Buddha<\/td><\/tr><tr><td>19 June<\/td><td>Friday<\/td><td>Tuen Ng Festival (Dragon Boat Festival)<\/td><\/tr><tr><td>1 July<\/td><td>Wednesday<\/td><td>Hong Kong SAR Establishment Day<\/td><\/tr><tr><td>26 September<\/td><td>Saturday<\/td><td>Day following the Chinese Mid-Autumn Festival<\/td><\/tr><tr><td>1 October<\/td><td>Thursday<\/td><td>National Day<\/td><\/tr><tr><td>19 October<\/td><td>Monday<\/td><td>Day following Chung Yeung Festival<\/td><\/tr><tr><td>25 December<\/td><td>Friday<\/td><td>Christmas Day<\/td><\/tr><tr><td>26 December<\/td><td>Saturday<\/td><td>First weekday after Christmas Day (Boxing Day)<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: HKSAR Government, General Holidays for 2026. 15 of these 17 days are statutory holidays.<\/figcaption><\/figure>\n<\/div><\/div>\n\n\n\n<div id=\"notice-periods\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Notice Periods<\/h2>\n\n\n\n<p>The Employment Ordinance sets a default minimum notice. Most professional contracts specify longer periods, particularly for senior roles. Either party may pay wages in lieu of notice to end the contract immediately.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Stage of employment<\/th><th>Statutory minimum notice<\/th><th>Typical contractual notice<\/th><\/tr><\/thead><tbody><tr><td>First month of probation<\/td><td>None<\/td><td>None \u2014 either party may terminate immediately<\/td><\/tr><tr><td>After 1st month of probation<\/td><td>7 days<\/td><td>7 \u2013 14 days<\/td><\/tr><tr><td>Post-probation (default if not specified)<\/td><td>1 month<\/td><td>1 \u2013 2 months<\/td><\/tr><tr><td>Senior \/ executive roles<\/td><td>1 month<\/td><td>3 months or more<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Payment in lieu of notice is permitted by either party. Source: Employment Ordinance.<\/figcaption><\/figure>\n<\/div><\/div>\n\n\n\n<div id=\"termination\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Termination &amp; Severance<\/h2>\n\n\n\n<p>Hong Kong distinguishes between Severance Payment (for redundancy) and Long Service Payment (for long-tenured staff). Both are calculated using a similar formula and require a minimum period of continuous service.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Parameter<\/th><th>Severance Payment<\/th><th>Long Service Payment<\/th><\/tr><\/thead><tbody><tr><td>Triggered by<\/td><td>Redundancy \/ lay-off<\/td><td>Resignation (after age 65), termination (not for misconduct), or death<\/td><\/tr><tr><td>Minimum service<\/td><td>24 months<\/td><td>5 years<\/td><\/tr><tr><td>Formula<\/td><td colspan=\"2\">2\/3 \u00d7 monthly wages \u00d7 years of service (capped at HK$22,500\/month for calculation)<\/td><\/tr><tr><td>Maximum payment<\/td><td colspan=\"2\">HK$390,000<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Employment Ordinance, HKSAR Labour Department.<\/figcaption><\/figure>\n\n\n\n<div class=\"wp-block-group guide-badge has-background is-nowrap is-layout-flex wp-container-core-group-is-layout-20 wp-block-group-is-layout-flex\" style=\"border-radius:12px;border-left-color:#ed8936;border-left-width:3px;background-color:#fff8f4;padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40)\">\n<figure class=\"wp-block-image size-full is-resized shrink-0\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/warning-icon.svg\" alt=\"\" class=\"wp-image-71604\" style=\"width:28px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"badge-title\" style=\"font-style:normal;font-weight:700\"><strong>MPF Offsetting Abolished \u2014 Effective 1 May 2025<\/strong><\/p>\n\n\n\n<p class=\"badge-desc has-small-font-size\">Employers can no longer offset Severance or Long Service Payments against their MPF contributions for service from 1 May 2025 onwards. Departing employees retain their full MPF pot&nbsp;<strong>and<\/strong>&nbsp;receive the statutory payment in full. Review HR procedures and budgets accordingly.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Final Payment and Tax Clearance<\/h3>\n\n\n\n<p>On termination of employment, the employer must notify the Inland Revenue Department (form IR56F or IR56G) and may be required to withhold final wages pending tax clearance \u2014 particularly for employees leaving Hong Kong permanently, who must obtain a&nbsp;<strong>Letter of Release<\/strong>&nbsp;from the IRD before their final salary is released.<\/p>\n<\/div><\/div>\n\n\n\n<div id=\"social-insurance\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Social Security (MPF)<\/h2>\n\n\n\n<p>Hong Kong&#8217;s Mandatory Provident Fund (MPF) is the primary social security scheme. There is no separate social security tax for unemployment, healthcare, or pensions \u2014 public healthcare is funded from general government revenue.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">MPF Contributions<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Contribution<\/th><th>Rate<\/th><th>Cap<\/th><th>Notes<\/th><\/tr><\/thead><tbody><tr><td>Employer mandatory<\/td><td>5% of salary<\/td><td>HK$1,500\/month<\/td><td>From day one of employment (under 65)<\/td><\/tr><tr><td>Employee mandatory<\/td><td>5% of salary<\/td><td>HK$1,500\/month<\/td><td>From day 60 of employment<\/td><\/tr><tr><td>Minimum relevant income<\/td><td>\u2014<\/td><td>HK$7,100\/month<\/td><td>Employees below this level: employee contribution waived; employer must still contribute<\/td><\/tr><tr><td>Voluntary top-up<\/td><td>Optional<\/td><td>\u2014<\/td><td>Tax deductible up to HK$18,000\/year (TVC)<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Mandatory Provident Fund Schemes Authority (MPFA), 2026.<\/figcaption><\/figure>\n\n\n\n<div class=\"wp-block-group guide-badge has-background is-nowrap is-layout-flex wp-container-core-group-is-layout-23 wp-block-group-is-layout-flex\" style=\"border-radius:12px;border-left-color:#5ac3d8;border-left-width:3px;background-color:#f0f9ff;padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40)\">\n<figure class=\"wp-block-image size-full is-resized shrink-0\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/info-icon.svg\" alt=\"\" class=\"wp-image-71605\" style=\"width:28px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"badge-title\" style=\"font-style:normal;font-weight:700\">No VAT \/ GST in Hong Kong<\/p>\n\n\n\n<p class=\"badge-desc has-small-font-size\">Hong Kong has no Value Added Tax, no sales tax, and no general consumption tax. Prices on shelves are final \u2014 no extra percentage at the till. A significant lifestyle advantage for expats arriving from VAT jurisdictions.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div id=\"income-tax\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Income Tax (Salaries Tax)<\/h2>\n\n\n\n<p>Hong Kong operates on a&nbsp;<strong>territorial basis<\/strong>: only income arising in or derived from Hong Kong is taxable. The tax year runs from 1 April to 31 March. Foreign-source income (e.g. overseas dividends, foreign rental income) is not taxed in Hong Kong.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Salaries Tax \u2014 Progressive Rates 2025\/26<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Net Chargeable Income (after allowances)<\/th><th>Rate<\/th><\/tr><\/thead><tbody><tr><td>First HK$50,000<\/td><td>2%<\/td><\/tr><tr><td>Next HK$50,000<\/td><td>6%<\/td><\/tr><tr><td>Next HK$50,000<\/td><td>10%<\/td><\/tr><tr><td>Next HK$50,000<\/td><td>14%<\/td><\/tr><tr><td>Remainder (above HK$200,000)<\/td><td>17%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Inland Revenue Department, 2025\/26.<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Two-Tier Standard Rate (Cap)<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Net Income (before personal allowances)<\/th><th>Standard Rate<\/th><\/tr><\/thead><tbody><tr><td>First HK$5,000,000<\/td><td>15%<\/td><\/tr><tr><td>Remainder (above HK$5,000,000)<\/td><td>16%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Tax payable is the&nbsp;<strong>lower<\/strong>&nbsp;of the progressive rate (on net chargeable income after allowances) or the standard rate (on net income before allowances). Source: Inland Revenue Department.<\/figcaption><\/figure>\n\n\n\n<div class=\"wp-block-group guide-badge has-background is-nowrap is-layout-flex wp-container-core-group-is-layout-26 wp-block-group-is-layout-flex\" style=\"border-radius:12px;border-left-color:#5ac3d8;border-left-width:3px;background-color:#f0f9ff;padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40)\">\n<figure class=\"wp-block-image size-full is-resized shrink-0\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/info-icon.svg\" alt=\"\" class=\"wp-image-71605\" style=\"width:28px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"badge-title\" style=\"font-style:normal;font-weight:700\">Provisional Tax \u2014 Plan for the First Bill<\/p>\n\n\n\n<p class=\"badge-desc has-small-font-size\">Hong Kong taxes are paid in two instalments (75% in January, 25% in April). The IRD also collects&nbsp;<strong>provisional tax<\/strong>&nbsp;towards the following year \u2014 so a first-year expat&#8217;s initial bill effectively covers roughly 1.75 years of tax. Budget ahead.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Key Personal Allowances 2025\/26<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Allowance<\/th><th>Amount<\/th><\/tr><\/thead><tbody><tr><td>Basic (single)<\/td><td>HK$132,000<\/td><\/tr><tr><td>Married Persons<\/td><td>HK$264,000<\/td><\/tr><tr><td>Child Allowance (each, year of birth)<\/td><td>HK$130,000<\/td><\/tr><tr><td>Child Allowance (each, other years)<\/td><td>HK$120,000<\/td><\/tr><tr><td>Dependent Parent \/ Grandparent<\/td><td>HK$50,000 \u2013 HK$100,000<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Inland Revenue Department, 2025\/26.<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Key Deductions<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mandatory MPF contributions \u2014 capped at HK$18,000\/year<\/li>\n\n\n\n<li>Approved charitable donations \u2014 up to 35% of income<\/li>\n\n\n\n<li>Home loan interest \u2014 up to HK$120,000\/year (HK$100,000 + HK$20,000 extra from 2024\/25)<\/li>\n\n\n\n<li>Domestic rents paid \u2014 up to HK$100,000\/year (if no employer housing allowance received)<\/li>\n\n\n\n<li>Voluntary Health Insurance Scheme (VHIS) premiums \u2014 up to HK$8,000 per insured person<\/li>\n\n\n\n<li>Qualifying annuity premiums and TVC contributions \u2014 combined cap HK$60,000\/year<\/li>\n\n\n\n<li>Elderly residential care expenses \u2014 up to HK$100,000\/year<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Double Taxation Agreements<\/h3>\n\n\n\n<p>Hong Kong has signed comprehensive Double Taxation Agreements with&nbsp;<strong>57 jurisdictions<\/strong>&nbsp;(as at March 2026), including Mainland China, the UK, France, Japan, and most major economies. Negotiations are ongoing with around 18 additional jurisdictions. Because Hong Kong taxes only local-source income, the main DTA concern for most expats is relief in their home country.<\/p>\n\n\n\n<div class=\"wp-block-group guide-cta has-border-color has-background is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-27 wp-block-group-is-layout-flex\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;background-color:#f0f9ff;padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"cta-title\" style=\"font-style:normal;font-weight:700\">Let Access Financial handle your Hong Kong payroll \u2014 seamlessly and compliantly, with local specialists on call.<\/p>\n\n\n\n<div class=\"wp-block-buttons shrink-0 is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-primary consult-popup pum-trigger\"><a class=\"wp-block-button__link wp-element-button\">GET A QUOTE<\/a><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div id=\"benefits\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Benefits<\/h2>\n\n\n\n<p>Statutory benefits in Hong Kong are modest, so professional employers typically layer substantial supplemental benefits to attract and retain talent in this competitive labour market.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Mandatory Statutory Benefits<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Benefit<\/th><th>Rate \/ Amount<\/th><th>Notes<\/th><\/tr><\/thead><tbody><tr><td>MPF<\/td><td>10% total<\/td><td>5% employer + 5% employee (each capped at HK$1,500\/month)<\/td><\/tr><tr><td>Statutory Sickness Allowance<\/td><td>80% of average wages<\/td><td>Accrued; max balance 120 days<\/td><\/tr><tr><td>Statutory Maternity Pay<\/td><td>80% of average wages<\/td><td>14 weeks<\/td><\/tr><tr><td>Statutory Paternity Pay<\/td><td>80% of average wages<\/td><td>5 days<\/td><\/tr><tr><td>Annual Leave<\/td><td>7 \u2013 14 days\/year<\/td><td>Increases with service<\/td><\/tr><tr><td>Severance \/ Long Service Payment<\/td><td>Up to HK$390,000<\/td><td>Conditional on service and cause of termination<\/td><\/tr><tr><td>Public Healthcare<\/td><td>HK$50 GP visit \/ HK$100 hospital day<\/td><td>Heavily subsidised; HKID-holders<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Market-Standard Supplemental Benefits<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Benefit<\/th><th>Prevalence<\/th><th>Typical provision<\/th><\/tr><\/thead><tbody><tr><td>Private Medical Insurance<\/td><td>Very common (professional employers)<\/td><td>Group plans covering employee &amp; family<\/td><\/tr><tr><td>Housing Allowance<\/td><td>Common for senior \/ relocated staff<\/td><td>Cash allowance or company-leased flat<\/td><\/tr><tr><td>Education Allowance<\/td><td>Common in expat packages<\/td><td>School fees, debentures, capital levies<\/td><\/tr><tr><td>Annual Bonus \/ 13th Month<\/td><td>Widespread<\/td><td>Often tied to performance or Lunar New Year<\/td><\/tr><tr><td>Voluntary MPF (TVC)<\/td><td>Some employers<\/td><td>Tax-deductible top-ups<\/td><\/tr><tr><td>Flexible \/ Hybrid Working<\/td><td>Increasingly common post-2021<\/td><td>Hybrid 2\u20133 days remote in many firms<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div id=\"pension\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Pension System (MPF)<\/h2>\n\n\n\n<p>Hong Kong has no state pension. The Mandatory Provident Fund (MPF) is the primary retirement savings vehicle, with mandatory contributions from both employer and employee.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Parameter<\/th><th>2026<\/th><th>Notes<\/th><\/tr><\/thead><tbody><tr><td>Employer mandatory contribution<\/td><td>5% of salary<\/td><td>Capped at HK$1,500\/month; from day one<\/td><\/tr><tr><td>Employee mandatory contribution<\/td><td>5% of salary<\/td><td>Capped at HK$1,500\/month; starts day 60<\/td><\/tr><tr><td>Minimum relevant income<\/td><td>HK$7,100\/month<\/td><td>Below this, employee contribution waived<\/td><\/tr><tr><td>Maximum relevant income<\/td><td>HK$30,000\/month<\/td><td>Cap for calculating contributions<\/td><\/tr><tr><td>Normal retirement age<\/td><td>65<\/td><td>Early withdrawal allowed from age 60 in certain cases<\/td><\/tr><tr><td>Tax-deductible voluntary contributions (TVC)<\/td><td>HK$60,000\/year<\/td><td>Combined cap with qualifying annuity premiums<\/td><\/tr><tr><td>MPF severance offset<\/td><td>Abolished<\/td><td>Effective 1 May 2025<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Mandatory Provident Fund Schemes Authority (MPFA), 2026.<\/figcaption><\/figure>\n<\/div><\/div>\n\n\n\n<div id=\"insurances\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Insurances<\/h2>\n\n\n\n<p>Compulsory and recommended insurances for employers, employees, and contractors operating in Hong Kong.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Insurance<\/th><th>Coverage<\/th><th>Required by<\/th><\/tr><\/thead><tbody><tr><td>Employees&#8217; Compensation Insurance<\/td><td>Mandatory \u2014 covers workplace injury \/ occupational disease<\/td><td>Employees&#8217; Compensation Ordinance (Cap. 282)<\/td><\/tr><tr><td>Motor Insurance (Third Party)<\/td><td>Mandatory for vehicle owners<\/td><td>Motor Vehicles Insurance (Third Party Risks) Ordinance<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-group guide-badge has-background is-nowrap is-layout-flex wp-container-core-group-is-layout-32 wp-block-group-is-layout-flex\" style=\"border-radius:12px;border-left-color:#5ac3d8;border-left-width:3px;background-color:#f0f9ff;padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40)\">\n<figure class=\"wp-block-image size-full is-resized shrink-0\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/info-icon.svg\" alt=\"\" class=\"wp-image-71605\" style=\"width:28px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"badge-title\" style=\"font-style:normal;font-weight:700\">Professional Indemnity Insurance \u2014 Contractors<\/p>\n\n\n\n<p class=\"badge-desc has-small-font-size\">Often&nbsp;<strong>contractually required<\/strong>&nbsp;by end-clients in finance, IT consulting, and engineering. Covers negligence, errors and omissions claims that cause financial loss to a client. AF can advise on appropriate cover for your sector.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Health Insurance Overview<\/h3>\n\n\n\n<p>Public healthcare for HKID-holders is high-quality and very affordable (HK$50 GP visit, HK$100 hospital ward day), but waiting times for non-emergency services can be long. Most expats supplement with private medical insurance, either through their employer or via private cover. Our partners at IMG can assist with private health insurance suitable for expats and their families.<\/p>\n<\/div><\/div>\n\n\n\n<div id=\"af-solutions\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">AF Solutions<\/h2>\n\n\n\n<p>Access Financial supports end-clients, recruitment agencies, and employees operating in Hong Kong, handling payroll, immigration, tax compliance, and contract management.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-medium-font-size\">For End-Clients<\/h3>\n\n\n\n<p class=\"has-small-font-size\">Managing a contingent workforce can be complex. Our solutions streamline workforce management, making it simple, compliant, and cost-effective.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100 is-style-secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/accessfinancial.com\/service\/for-corporates\/\" target=\"_blank\" rel=\"noreferrer noopener\">Learn More<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-medium-font-size\">For Recruiters<\/h3>\n\n\n\n<p class=\"has-small-font-size\">We offer a complete suite of services, allowing you to simply, compliantly, and efficiently place your candidates internationally, with minimum fuss.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100 is-style-secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/accessfinancial.com\/service\/for-recruiters\/\" target=\"_blank\" rel=\"noreferrer noopener\">Learn More<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-medium-font-size\">For Contractors<\/h3>\n\n\n\n<p class=\"has-small-font-size\">Focus on what you do best and let us take care of your payroll, tax compliance, social security, and immigration needs.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100 is-style-secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/accessfinancial.com\/service\/for-contractors\/\" target=\"_blank\" rel=\"noreferrer noopener\">Learn More<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group team-cta is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-35 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-34 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-medium is-resized\"><img decoding=\"async\" width=\"300\" height=\"89\" src=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/Collage-300x89.png\" alt=\"\" class=\"wp-image-71720\" style=\"width:135px\" srcset=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/Collage-300x89.png 300w, https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/Collage-1024x304.png 1024w, https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/Collage-768x228.png 768w, https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/Collage-1536x456.png 1536w, https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/Collage.png 1672w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/figure>\n\n\n\n<p class=\"has-medium-font-size\">Free Consultation<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons shrink-0 is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-primary consult-popup pum-trigger\"><a class=\"wp-block-button__link wp-element-button\">SPEAK TO US<\/a><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div id=\"faq\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">FAQ<\/h2>\n\n\n\n<p>Find answers to our most frequently asked questions below.<\/p>\n\n\n\n<div id=\"faq-accordion\" class=\"wp-block-group is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-43 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group ac is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-38 wp-block-group-is-layout-flex\">\n<h3 class=\"wp-block-heading ac-header ac-trigger has-medium-font-size\"><strong>What solutions do you offer in <\/strong>Hong Kong?<\/h3>\n\n\n\n<div class=\"wp-block-group ac-panel\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>In Hong Kong, Access Financial provides one compliant engagement model:<\/p>\n\n\n\n<p><strong>Employed\/EOR (umbrella):<\/strong> We become the legal employer of your employees in Hong Kong. Your business retains full control of the day-to-day work and deliverables, while we carry the employment, payroll, and tax liability.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group ac is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-40 wp-block-group-is-layout-flex\">\n<h3 class=\"wp-block-heading ac-header ac-trigger has-medium-font-size\"><strong>When should a company consider using an EOR?<\/strong><\/h3>\n\n\n\n<div class=\"wp-block-group ac-panel\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>An EOR is especially useful in a range of scenarios. It is the most efficient route when you want to convert existing contractors into compliant employees and reduce misclassification risk, or when you need to hire talent in a country where you do not have a local entity. It also allows you to onboard quickly without going through a lengthy and complex company registration process, while ensuring full compliance with local employment law, payroll, and tax regulations. Beyond these core use cases, an EOR is equally valuable when you are testing a new market before committing to a long-term investment, or when you simply need temporary or project-based hires abroad.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group ac is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-42 wp-block-group-is-layout-flex\">\n<h3 class=\"wp-block-heading ac-header ac-trigger has-medium-font-size\"><strong>Can we hire both local nationals and foreign employees through an EOR?<\/strong><\/h3>\n\n\n\n<div class=\"wp-block-group ac-panel\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>Yes. Our EOR services cover both local nationals and foreign hires. For foreign nationals, additional visa or work permit requirements apply, and we can support the application process end-to-end \u2014 including sponsorship in jurisdictions where we hold the relevant licence.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<p>Our standard management fee is <strong>5% of the contract value, with a minimum of \u20ac550<\/strong>. We also offer volume discounts on bulk engagements. To discuss pricing for your specific scenario, please get in touch with our team here: <a href=\"https:\/\/accessfinancial.com\/#get-started\">https:\/\/accessfinancial.com\/#get-started<\/a>.<\/p>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>With Access Financial, managing your workforce in Hong Kong becomes simple and stress-free. Leave local regulations, complex tax requirements, immigration and international payroll to us \u2014 so you can focus on growing your business. <\/p>\n","protected":false},"featured_media":27610,"template":"","region":[79],"class_list":["post-42736","country-guides","type-country-guides","status-publish","has-post-thumbnail","hentry","region-asia"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hire, Place and Work in Hong Kong - Compliantly<\/title>\n<meta name=\"description\" content=\"With Access Financial, managing your workforce in Hong Kong becomes simple and stress-free. 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