How we compare — Hong Kong deposits, funds, insurance, MPF, cards

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Time deposits

Sorted by published annual rate, highest first. Most rows are promotional offers, not bank board rates. Confirm with the bank before you deposit.

Funds and ETFs

Sorted on the field you choose (return net of fees, or annual fee). Past performance does not indicate future results and this is not a subscription recommendation. For a global ETF portfolio, use a licensed firm.

Tax-deductible annuities (QDAP)

Sorted on after-tax cost or lock-in period. Illustrations are simplified; guaranteed benefits can be zero — non-guaranteed benefits are not guaranteed at all.

VHIS (voluntary health insurance)

Premiums come from the official VHIS premium tables: 33 certified standard plans (male and female, age by age, no interpolation) plus the register of 546 certified flexible plans (whose premiums are not published age by age). For anything outside our coverage, check the official certified-product register.

Protection-only cover

We calculate the protection gap first, then show the 3 insurers that publish auditable premium tables (anonymous illustration, computed only from the values you enter). For anything not covered, check the Insurance Authority / government registers, or bring your own quote (anonymous; a distribution is shown only when n ≥ 20). This is not personal advice and is not a recommendation or ranking of any insurance product.

Foreign exchange

Sorted objectively on the spot or time-deposit field you select. We make no forecast of future rates.

Crypto

Spot prices from public exchanges. Not an invitation to trade and not investment advice.

MPF (mandatory provident fund)

Scheme comparison starts with the DIS core accumulation FER (annual fee). Performance tables use fee-adjusted returns for comparable funds on the MPFA platform: DIS core accumulation, and mixed-asset funds with 41–60% equities over the last ten years. We do not reproduce the fund register and this is not a switch recommendation. Past performance does not indicate future results. Our conclusion is worded "ask your trustee", never "you should switch".

Credit-card rewards

Sorted on published earning structures for the spend scenario you choose (online, dining, supermarkets, physical), with first-year welcome offers kept separate from ongoing offers. Most peak rates require registration. We do not apply for cards on your

Coverage and update cadence

Coverage (single source of truth: coverage_registry.json): 29 licensed banks with 251 published time-deposit rates (including 29 official board-rate rows from 4 banks); 26 banks and 10 currencies for FX board rates (573 quotes); 74 major credit cards with points/cashback caps; 33 certified VHIS standard plans plus a register of 546 certified flexible plans; 24 approved QDAP products; 26 funds/ETFs (mostly HKEX-listed); 15 MPF trustees plus official DIS / mixed-asset returns; 3 insurers with 8 protection products backed by public premium tables; 3 official mortgage benchmarks (HIBOR / prime rate / stress test).

Update cadence: market data (deposits, FX, mortgage benchmarks) each trading day; funds and credit cards weekly; annuity and protection products monthly; MPF quarterly; statutory figures (tax brackets, allowances, deduction caps) whenever an official publication changes them. All figures are self-declared platform coverage, derived from actual row counts — not market statistics.

Categories outside this coverage are not ranked. You can fill a gap with your own quote (anonymous; a distribution is shown only when n ≥ 20). Unofficial quotes; not licensed advice.

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Sources and last updated

hkma.gov.hk（primary）：https://www.hkma.gov.hk/eng/（government / regulator）
mpfa.org.hk（primary）：https://www.mpfa.org.hk/（government / regulator）
mfp.mpfa.org.hk（backup）：https://mfp.mpfa.org.hk/tch/mpp_list.jsp（government / regulator）
ird.gov.hk（primary）：https://www.ird.gov.hk/eng/tax/ind_stp.htm（government / regulator）
ird.gov.hk（backup）：https://www.ird.gov.hk/eng/ppr/are.htm（government / regulator）
ia.org.hk（primary）：https://www.ia.org.hk/en/qualifying_deferred_annuity_policy/index.html（government / regulator）
vhis.gov.hk（primary）：https://www.vhis.gov.hk/（government / regulator）
Hong Kong Monetary Authority (HKMA)：https://www.hkma.gov.hk/（Official portal）
Insurance Authority (IA)：https://www.ia.org.hk/（Official portal）
Hong Kong Exchanges and Clearing (HKEX)：https://www.hkex.com.hk/（Official portal）
Inland Revenue Department (IRD)：https://www.ird.gov.hk/（Official portal）

Last updated: 2026-10-14 (Hong Kong time). How every figure is computed and sourced: How we compare, benchmark methodology, algorithm transparency. Third-party aggregators are only used to fill coverage gaps; official / issuer publications always take precedence. Spotted an error? Use the corrections policy — we publish the correction date.

FinWise is not a licensed financial institution (not an SFC licensed corporation, not a licensed insurance intermediary, not an MPFA registered intermediary). This page is a calculator plus a compilation of publicly available data; nothing here is investment, insurance, tax or legal advice.