公開!!移居香港夫妻交幾錢稅？🇸🇬 比香港貴？💰 有免息分期？! 😱？到底免稅額有多少？🔥 | RubyBenson餅神 | 新加坡稅務 交稅 Tax Tier SingPass e-Tax 

多謝你留言支持!!

台灣是五月報稅

Well that's true, so long as my tax is put to good use we are happy to pay tax :)

所以其實都唔係話香港果個完全唔掂既，不過新加坡真係做得更好

其實交的金額跟香港差不多。不過香港行預繳。即使之後有試過經濟不景，有稅務寬免一年，但那一年仍然要交稅（當收下一年度）

The explanation makes sense but still it might be hard to tell whether it's worth the administrative cost to charge provisional tax🤔 In terms of cash flow if we are earning similar income every year it might not make much difference

interest free installments tax payment is really a big relief to many people :)

That's very true, but the truth is we are foreigners 🥲 Thanks for adding info from a citizen's perspective tho!

@Biscuit God right! Does HK has tax relief as well? Curious to understand

@@expresssoh Yes there are. Normally a basic allowance, and then children/siblings/parents allowance on top

@@BiscuitGodHK thanks for sharing!

公平講句，其實智方便係用到既，當然個UX仲有好大改善空間，所以我COVID前其實都係冇用過

Not everything has 8% GST.

即係強姦金D玩法🤣

無分別，都係搶錢

同美國一樣🥲

我個case係公司類似internal transfer，所以就冇經歷搵工呢個過程🙂

Hello, 睇睇你同行係有幾多人、年齡層係點，不過多數都係自由行+買Klook/KKday 套票 一次過可以玩哂最出名嘅景點同遊樂設施^^

講呢D

MPF in Hong Kong is simply a token mandatory pension fund which was implemented since 2000. With how it is being managed, the current inflation rate, and the prospect of Hong Kong economy at least in the coming 15-20 years, I dont see how it can serve its purpose of securing a viable retirement life for Hong Kong people ... Back to your questions: 1&2 - Essentially referring to the same mechanism of using the employer-funded portion of MPF to pay off severance/long-service payment. So in Hong Kong if you are employed by the same employer for more than 2 years and laid off by your employer with immediate effect (which requires a severance payment to employee by law), your employer can legally withdraw money from the employer funded portion of your MPF (i.e. the 5% equivalent of your salary he paid every month) to partially or fully finance the severance fee. This practice was inherited from 1974 enacted Employment Ordinance. This "offset" mechanism was heavily criticized by pro-labour parties from both pro-dem (RIP btw) and pro-BJ sides but was supported by large corporations as well as legislators of Functional Constituencies who represent commercial interests of such corporations and SMEs. The reason of criticism is clear as "severance payment" and pension fund are fundamentally separate concepts and they are not supposed to be interchangeable/offset in favour of employer liquidity, or the purpose of this MPF serving as pension fund is essentially defeated.

3 - Honestly I won't say MPF is in fact "confusing" or "complicated". You and your employer pay 5% of your salary each month, to a legally approved trustee (which are banks and large insurance companies), they earn a fee from that (~2%), and **try** to give you return (in effect around 3-5% on avg over last 20 years, for sure there's not 5% in recent years). So you can see the ridiculous part here, the ONLY party winning *for sure* in this stupid game is the trustees (i.e. banks and insurance companies). The rest of us who are legally required to pay 5% of our salary monthly, can only pray to god that the earning can even pay the management fee ... most won't even imagine a possibility of huge gains when they get their money back at retirement ... Long story short, Bank/Insurance companies win, people are forced to save 5% monthly but possibly without gains, you get back (most likely) the money which did not outrun the inflation over the years at your retirement. Plus this MPF doesn't cover your medical expenses or let you withdraw for buying homes. AND with the current trend of HK government pouring money into huge (perhaps overpriced) infrastructure projects ("Lantau Tomorrow" and "Northern Metropolis"), there are speculations that eventually the MPF might be used to finance them, sparking worries whether HK people can even get back the money we deposited into MPF over the years.

Ben San, thank you for taking the time to explain, appreciated.

Lol having 3 children always spends a lot haha, not sure if it makes you rich or the other way round

I have 3 kids and I don’t feel rich 🫤

S$5K/mth 25% ... 這個包括社保醫保嗎？

@@BiscuitGodHK 唔包啊大佬....

@@halfcookedegg313 嘩咁真係躺平實際D

其實是有啦，問題是我父母不在新加坡🥲

​@@BiscuitGodHK 當兵還有 NS relief.

係呀。我爸爸中風行動不便，所以我可以claim 免稅relief，供養殘障父母有$14,000新幣的免稅額喔

@@BiscuitGodHK To avoid misleading in your comparison of the two tax system, you should have assumed your parents are staying with you in Singapore and you are entitled to parents tax relief. Then we can see the tax difference basing on the same conditions.

@@pengui6152 It could've been a good case to add to our illustration, but for our case (as well as many HKers who work in SG) we did not bring our parents here. For the comparison in our video (although we did not draw a detailed formula to illustrate clearly, thats on us), I applied married tax allowance, but did not apply dependent parents tax relief for HK tax calculation. You are right but hope my explanation here clarifies our saying in the video. Thanks. :)

我個人從沒填過稅表，也沒額外收入，所以每年都是雇主報稅，我直接就是同餅神講得，自動通銀行戶口分期扣稅。我不用查，也不用看，反正也不怕欠稅，自動的。

天外有天，相信香港比上或者不足，但比下都係有餘

應該說看著我們身處的HDB，就知道 ... 🤣

几时和Ben Sir拍三代同堂的HDB给大家看 🤣

長知識😯

免息？

@@xiaoqiulow2878 對阿，有配合的信用卡可免息

No one gets PR these days for immigrants. Seems not practical.

為了國家，區區iPhone算什麼！？🤣🤣🤣🤣

最惨我唔是居民，得不到国家的利益😂

冇錯，但我暫時仲係EP所以未有供CPF 🙂

@@BiscuitGodHK 退休時，CPF是很有需要的。

PR 才供!

同意，所以交得抵唔抵咪睇個政府做成點😉

嘩呢個真係唔知😂

自雇人仕自由報稅。交稅額睇申報收入

direct message Ruby IG 🤣

我唔做舞男，哪有錢 ...

我香港網上報稅10分鐘搞掂，仲有個calculator 俾你預計邊啲位置可以慳稅。唔明白點解難用😂

我地未經歷過加拿大報稅地獄，有怪莫怪🥲

@@cyrus4788 其實係用到既，只係新加坡UX真係更勝一籌

會唔會係因為美國人spending habit都係比較自由放任🤔

@@BiscuitGodHK 絕對係，如果唔出糧時扣，之後先交係交唔出。之前covid開始時，國會議員話全美70%人拎唔出usd400緊急錢（差不多係咁，唔記得實際%同數字）😰

有時係有D掙扎，講呢類話題就驚有爭議，講歷史野又無人睇，講飲飲食食就好似你話齋🥲