Starting out

Develop smart financial planning habits as you begin your career

Tips for financial planning and career development

About to graduate

  • You may consider planning on a memorable “Grad-trip” with your friends, enlivening yourself and getting prepared for new challenges when starting out
  • Apply a credit card that fits your spending habit to enjoy rewards from mobile payment, online and overseas spending. Make comparison before application for best-fit privileges
  • Choosing your first job carefully is crucial for your career development. Taking aptitude tests and personality tests to learn your abilities and interests. When facing a job interview, get prepared by understanding the company’s background. Practise as much as you can to give good first impression

Starting out your career

  • A payroll account is the first step for effective financial planning by consolidating your incomes and expenses at once. Remember to check out the latest banking offers regularly
  • Choose a right MPF plan based on your risk tolerance and financial circumstances. Consult an expert if needed to get more guidance on choosing suitable investment options
  • Apply the Octopus Automatic Add Value Service with your credit card to save your time and earn extra Cash Dollars to offset your daily transportation and petty expenses
  • Use FPS service for real-time fund transfer to financial connect with your colleagues
  • Regularly log on to e-Banking via internet or Hang Seng Personal Banking mobile app to manage your e-Statements and account balances to understand your expenses and develop a good saving and financial habit. Use our Savings Planner via the mobile app to keep track of your finances securely and effortlessly for free
  • Congratulations on your first payroll! Remember to repay any student loans to reduce interest expenses before rewarding yourself

Beyond your work life

  • Building your wealth through various wealth management and investment options. The sooner you start your financial plan, the sooner you have a chance to achieve financial independence
  • Your company may offer a group medical insurance plan with basic protection, but it may not fulfil your medical insurance needs. Review your healthcare needs and financial capability from time to time and choose a right medical insurance
  • Government certified Voluntary Health Insurance Schemes may help you get medical protection as well as tax deduction
  • Stay hungry, stay competitive and save up for your future studies. Government subsidies (i.e. Continuing Education Fund) or a personal loan offers you financial support
  • Remember to pursue work-life balance. Find your hobbies or listen to your favourite music. Take a break and free yourself from work pressure for higher efficiency

Explore our products

Payroll service

  • Switch to Hang Seng Payroll Account to enjoy Cash Dollars Reward

Credit card spending privileges

  • Exclusive 4.4% Cash Dollars rewards for selected mobile payments
  • Multiple overseas spending and online shopping rewards


Other points to note

  1. To borrow or not to borrow? Borrow only if you can repay!
  2. Investment involves risks. Past performance is not indicative of future performance. The value of financial instruments, in particular stocks and shares, and any income from such financial instruments, may go down as well as up. For further details including the product features and risks involved, please refer to the 'Principal Brochure'.
  3. Terms and Conditions apply.