Explore Hong Kong insurance & MPF
An information-only platform. Learn the products, run the numbers, compare across the market, and ask anything.
For information only. Not advice, recommendation, or solicitation. Data has not been independently verified — always verify directly with the authorised intermediary or fund provider before making decisions.
Everything in one place
Built for HongKongers who want to learn more before they decide.
Learn the basics
Insurance 101 and MPF 101 written for Hong Kong — types, terms, and how things actually work.
Pick the right life cover
A 7-step framework to choose the appropriate life insurance in Hong Kong.
Calculators
Human life value, cover needed, education, retirement, medical fund, and cost index.
MPF fund rankings
Sort funds by returns over 1, 2, 5 and 10 years alongside management fees.
Compare insurance
Side-by-side comparison of real products from major Hong Kong insurers, with source links and verification dates.
Discussions & News
Ask anything about insurance or MPF and follow Hong Kong financial headlines — all in one place.
Know your financial value
A common rule of thumb: your life's economic value is roughly annual income × 100 ÷ rate of interest. Example at 6%: HK$500,000 × 100 ÷ 6 ≈ HK$8,333,333.
Ready to consolidate your MPF?
Every MPF trustee is now on the eMPF Platform, so old accounts from previous jobs can be brought together in one place.
- 1Verify
Set up iAM Smart, the Government digital identity app.
- 2Register
Sign in to the eMPF Platform to see every MPF account you hold.
- 3Compare
Check fees, fund expense ratios and risk classes on the MPFA website.
- 4Choose
Consolidate old personal accounts, or use the Employee Choice Arrangement.
- 5Transfer
Submit on eMPF, then check the destination fund fits your risk and time horizon.
Goes to martinguido.com, run by Martin Guido, a registered MPF intermediary. BaoFactor is information only.