HK FinBox

Calculate interest rebate and penalty for early repayment of credit card / personal loans.

Simulate repayment time, interest and fixed repayment suggestions when only paying the minimum.

Convert monthly flat rate and handling fee into true borrowing cost.

Compare total interest between repaying multiple card debts separately versus one consolidation loan.

Calculate compensation under Hong Kong Employment Ordinance, with MPF offset simulation.

Calculate ADW from past 12 months' earnings and estimate sick leave, annual leave and statutory holiday pay.

Calculate notice payment required by employer or employee based on notice period and monthly salary.

Compare statutory holidays and public holidays count and estimate holiday pay difference.

Calculate employee and employer mandatory 5% contributions based on monthly income.

Project MPF balance at age 65, supporting tax-deductible voluntary contributions (TVC).

Accumulation and drawdown simulation projecting whether assets can last until age 90.

Enter target amount and monthly contribution to calculate time to reach goal and compound growth.

Quantify how inflation erodes cash purchasing power and future real value.

Calculate dividend income, cost yield and target buy price for your holdings.

Estimate brokerage, stamp duty, levies and break-even price for HK stock trades.

Compare compounding frequency, maturity amount, effective APR and inflation-adjusted return.

Compare fixed deposits with Mortgage Link / virtual bank savings for flexibility and return.

Private and HOS mortgage calculator supporting 95% Green Form / 90% White Form and stress-test exemption.

Calculate high-LTV mortgage insurance premium, 35% discount and monthly change if capitalised.

Calculate tax savings and effective return from qualifying deferred annuity and MPF TVC.

Calculate guaranteed and projected IRR of savings insurance or annuities.

Compare Hong Kong and mainland fuel prices, tolls and insurance for northbound refuelling and maintenance.

Long-term comparison combining property price, rent growth, interest and maintenance costs.

Calculate rate difference, cash rebate, penalty and legal fees to assess refinancing or cashing out.

Net return after management fees, rates, government rent, property tax and commission.

Calculate true car ownership cost including price, licence fee, insurance and loan.

Compare progressive and standard tax rates and automatically choose the lower tax.

Compare separate vs personal assessment to find the more tax-efficient option.

Combine HK Annuity Plan, reverse mortgage and policy reverse mortgage to estimate monthly passive retirement income.

Check eligibility for early withdrawal at 60 or withdrawal at 65, with re-employment contribution notes.

Compare old pension scheme and new Civil Service Provident Fund retirement income estimates.

Designed for Green Form buyers, supports up to 95% mortgage with stress test.