Stop Paying More Than You Legally Owe. HK Tax Planning That Actually Works.
Most high-income earners and business owners in Hong Kong overpay their tax by HK$100,000–HK$500,000+ every year — simply because they have no proactive plan. Our HKICPA-certified advisors build personalised, forward-looking strategies that legally minimise your tax burden before year-end, not after.
Tax Planning Specialist
Most high-income earners and business owners in Hong Kong overpay their tax by HK$100,000–HK$500,000+ every year — simply because they have no proactive plan. Our HKICPA-certified advisors build personalised, forward-looking strategies that legally minimise your tax burden before year-end, not after.
⚠ Critical Planning Alert — Personal Assessment Has a 6-Year Retroactive Window
Personal Assessment must be elected annually on BIR60 — it is NOT automatic. Many salaried employees and business owners earning over HK$500K miss this election every year, overpaying by HK$8,000–HK$80,000 annually. You can retroactively elect Personal Assessment for up to 6 prior assessment years under s.41(3) of the IRO. TVC contributions for the current year must be made before 31 March.
Rencontrez-vous ces problèmes fiscaux ?
No Personal Assessment Election
Personal Assessment (s.41 IRO) consolidates all income and can cap your effective rate at 15%. It must be elected annually and is never applied automatically.
TVC Contributions Not Maximised
Tax-deductible Voluntary Contributions allow an additional HK$60,000/year deduction. At the 17% marginal rate, this saves HK$10,200/year. Yet most employees have never opened a TVC account.
Suboptimal Married Couple Filing
Dual-income couples often fail to model joint vs. separate assessment. Depending on the income gap, one approach can save HK$8,000–HK$80,000/year over the other.
Reactive Rather Than Proactive Planning
Most taxpayers only think about tax after the year ends — when it's too late to adjust income timing, make TVC contributions, or restructure deductions.
À qui s'adresse ce service
At this income level, every unclaimed deduction and unelected allowance translates directly into significant tax savings. We build a comprehensive annual plan covering all 7 deduction categories.
We model your combined tax position under joint assessment, separate assessment, and Personal Assessment to identify the most favourable annual option.
We optimise the split between director salary, dividends, and retained profits to minimise combined corporate and personal tax.
Timing of arrival/departure, offshore workday claims, and DTA treaty relief can dramatically reduce HK salaries tax liability.
Discretionary bonuses can push marginal income into the 17% band. We advise on TVC contributions, charitable donations, and timing strategies.
Ce que nous couvrons
Annual Tax Position Review
We review your complete tax position each year — all income sources, deductions, allowances, and elections — and model all available filing scenarios.
Retroactive Personal Assessment Claims
We calculate whether PA reduces your tax, file the election, and simultaneously file retroactive elections for up to 6 prior years to reclaim overpaid tax.
TVC & Qualifying Annuity Maximisation
We advise on optimal TVC contribution amount (up to HK$60,000/year), timing, and MPF scheme selection to maximise the deduction.
Married Couple Assessment Optimisation
For dual-income couples, we model three scenarios annually: separate assessment, joint assessment, and Personal Assessment for each spouse.
Year-End Income Timing Strategies
Bonuses, director fees, and investment income timing around 31 March can shift your tax bracket significantly. We advise on optimal timing.
Simple, efficace, professionnel
Tax Position Diagnostic (January–February)
We review your income profile, current deductions, prior year assessments, and identify every opportunity that can still be actioned before year-end.
January–FebruaryScenario Modelling & Strategy Presentation
Full tax comparison model showing projected liability versus optimised outcome, including all filing scenarios for married couples and business owners.
FebruaryYear-End Action Implementation
We coordinate TVC contributions, charitable donations, bonus deferral/acceleration, and restructuring steps required before 31 March.
February–MarchRetroactive Review & Filing
Where prior years were suboptimally filed, we prepare amended assessments and file retroactive Personal Assessment elections for up to 6 years simultaneously.
April–JuneDes résultats concrets pour de vrais clients
Lawyer + Consultant Couple — Salary vs Dividend Restructuring
- Lawyer: HK$1.4M salary, Consultant: HK$800K sole trader profits
- Converted consultancy to limited company at 8.25% two-tier rate
- Personal Assessment elected for lawyer spouse; TVC maximised for both
IT Consulting Director — Year-End Planning Actions
- HK$1.8M total compensation (salary + director fee + dividends)
- Capex for HK$1.2M server infrastructure purchased before 31 March for 60% IA
- TVC contributions of HK$60,000 each for director and spouse before year-end
Consultation experte gratuite
Parlez à un spécialiste fiscal senior dès aujourd'hui
- Consultation initiale gratuite de 30 min
- Un CPA senior dédié à votre dossier
- Sans engagement — annulez à tout moment
Pourquoi choisir TAX.hk
Une expertise fiscale hongkongaise approfondie
Nos CPA cumulent plus de 15 ans d'expérience fiscale à Hong Kong et suivent chaque mise à jour de l'IRD.
Des honoraires fixes et transparents
Pas de surprise liée à la facturation horaire. Connaissez votre coût à l'avance, avant même de commencer.
Réponse sous 24 heures
Nous répondons à toutes les demandes sous un jour ouvré. Cas urgents traités sous 4 heures.
Confidentialité stricte
Toutes les informations clients sont couvertes par une obligation professionnelle stricte de confidentialité.
Questions fréquentes
Réponses rapides à vos questions
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Cette page fournit uniquement des informations générales. Pour un conseil adapté à votre situation, veuillez consulter un professionnel de la fiscalité de Hong Kong qualifié.