Personal Tax Planning Specialist

Personal Tax Planning in Hong Kong — Legally Minimise Your Tax

HK's salaries tax system rewards proactive planning. From maximising deductions and allowances, to structuring income timing, making QDAP contributions, and electing the right assessment basis, small decisions made before 31 March each year can save tens of thousands in tax.

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HKD 132,000 Basic allowance 2025/26
HKD 60,000 Max QDAP + TVC deduction
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Personal Tax Planning Specialist

HK's salaries tax system rewards proactive planning. From maximising deductions and allowances, to structuring income timing, making QDAP contributions, and electing the right assessment basis, small decisions made before 31 March each year can save tens of thousands in tax.

⚠️

⚠ Most HK Taxpayers Are Leaving Money on the Table

Studies suggest that the majority of HK individual taxpayers do not claim all allowances and deductions they are legally entitled to. The IRD does not volunteer deductions on your behalf — you must claim them. A proactive tax review typically identifies HKD 20,000–HKD 150,000 in missed savings for salaried professionals earning above HKD 500,000.

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Unclaimed Allowances and Deductions

Dependent parent allowance, child allowance, self-education expenses, QDAP deductions — each has specific qualifying conditions that most taxpayers fail to check annually.

⚠ Risk: Paying tax on income that should have been sheltered by allowances

Suboptimal Spousal Assessment Election

Married couples should review joint vs separate assessment every year. Which is optimal depends on relative incomes — and it changes.

⚠ Risk: Fixed election every year → overpaying as income ratio shifts

Wrong Income Timing

Receiving a bonus in March vs April crosses tax years. Exercising share options, making QDAP contributions, or selling assets at the wrong time can cost significantly.

⚠ Risk: Bonus in March → higher current-year tax; received in April → lower rate

Not Using QDAP / TVC Deductions

The HKD 60,000 QDAP/TVC deduction is one of HK's most powerful individual tax reliefs — yet fewer than 20% of eligible taxpayers fully utilise it.

⚠ Risk: Unused QDAP capacity → paying 15% tax on HKD 60,000 that could have been sheltered
Für wen

Für wen dieser Service ist

High-income professionals (HKD 500K+ salary)

Those in the upper tax bands where each HKD 1 of deduction saves HKD 0.15 in tax.

Married couples with mixed income levels

Couples who have never optimised their joint vs separate assessment election.

Employees with complex compensation packages

Those with salaries, bonuses, RSUs, housing benefits, and other remuneration components.

Parents with multiple dependent children

Those potentially eligible for child allowances and dependent parent allowances.

Those approaching retirement

Pre-retirees wanting to maximise QDAP and TVC deductions in their final working years.

Anyone who has never had a professional tax review

People who have filed their own returns for years without specialist review.

Unsere Leistungen

Was wir abdecken

Annual Tax Review & Optimisation

We review your complete tax position and identify every allowance, deduction, and election available to you.

Typically takes 2–3 hours; typical savings HKD 20,000–HKD 150,000

QDAP & TVC Contribution Planning

We determine the optimal QDAP premium and MPF TVC amount to maximise your HKD 60,000 deduction.

Including product comparison across qualifying insurers

Joint vs Separate Assessment Modelling

We model both assessment bases for married couples and elect the beneficial option each year.

Using actual income figures for precision calculation

Year-End Income Timing Advice

We advise on bonus receipt timing, share option exercise, and QDAP contribution deadlines.

Actions taken before 31 March vs after can shift significant tax between years

Optimised BIR60 Return Filing

We prepare and file your return with every legitimate saving captured.

Including provisional tax review and objection if appropriate

Annual Tax Planning Subscription

Ongoing relationship: we contact you each February with a personalised year-end tax planning checklist.

Proactive, not reactive — the difference that saves the most tax
So funktioniert es

Einfach, effizient, professionell

1

Initial Tax Position Assessment

We review your income, family situation, assets, and existing deductions to map your full tax position.

1–2 hours
2

Optimisation Report

We prepare a written report showing all available deductions, elections, and planning actions with estimated savings.

2–3 days
3

Implementation & Actions

We help you implement recommended actions — QDAP purchase, TVC contributions, spousal election.

Before 31 March
4

Return Filing & Review

We file your optimised return and conduct a post-filing review of the assessment issued.

Annual
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Case Study

Dual-income couple — joint assessment optimisation

HKD 94,000/year Gespart
  • Spouse A salary HKD 1,200,000
  • Spouse B salary HKD 280,000
  • Joint assessment significantly more beneficial
  • QDAP HKD 60,000 for Spouse A; self-education HKD 65,000 for Spouse B
  • Combined savings vs previous filing approach
"We had been filing separately for 7 years. The joint assessment switch alone saved HKD 68,000 in year one."
Verifizierter Kunde Case Study
Case Study

Senior banker — first comprehensive tax review

HKD 137,000 Gespart
  • Annual salary + bonus HKD 2,100,000
  • RSU income (cross-border apportionment applied)
  • QDAP HKD 60,000 + dependent parent allowances
  • Previously self-filing without professional review
"Seven years of self-filing and I was leaving over HKD 100,000 on the table every year."
Verifizierter Kunde Case Study
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Warum wir

Warum TAX.hk

Tiefe HK-Steuerexpertise

Unsere CPAs verfügen über mehr als 15 Jahre HK-Steuererfahrung und verfolgen jedes IRD-Update.

Transparente Festhonorare

Keine Überraschungen bei Stundensätzen. Sie kennen Ihre Kosten, bevor wir starten.

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Strikte Vertraulichkeit

Alle Kundendaten unterliegen der strengen beruflichen Schweigepflicht.

FAQs

Häufig gestellte Fragen

Schnelle Antworten auf Ihre Fragen

The QDAP (Qualifying Deferred Annuity Policy) and MPF Tax Deductible Voluntary Contribution deduction of up to HKD 60,000 per year is consistently underutilised. At the 15% standard rate, using this deduction fully saves HKD 9,000 every year — HKD 90,000 over a decade. Most eligible taxpayers either do not know about it or have not set up a qualifying product.

There is no single answer — it depends on your relative incomes and applicable allowances. Joint assessment (Married Person's Assessment) consolidates income and applies the higher married person's allowance (HKD 264,000) and one set of progressive rates. Separate assessment applies individual basic allowances. We model both each year and elect the better option.

Yes. MPF Tax Deductible Voluntary Contributions (TVC) are deductible up to HKD 60,000 per year (shared with QDAP premiums). These are made into a separate TVC account within your existing MPF scheme and locked up until retirement (age 65). It is a long-term saving, but the immediate tax saving makes it compelling for higher earners.

The closest HK equivalent is the Tax Deductible Voluntary Contribution (TVC) account within MPF. Like a pension, contributions are tax-deductible going in, growth is tax-free, and withdrawals at retirement are tax-free. The contribution cap is HKD 60,000/year (shared with QDAP). There is no HK equivalent of the ISA's flexible, general-purpose tax-free savings wrapper.

At incomes above HKD 400,000/year, you are likely paying salaries tax at 15% or near the top progressive rate (also 15%). At this level, every HKD 1 of legitimate deduction saves HKD 0.15 in tax. With HKD 60,000 in QDAP/TVC alone, that is HKD 9,000 annually. Below HKD 200,000, the personal allowance already shelters much of your income, but allowance optimisation and self-education deductions can still deliver meaningful savings.

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