HSBC One Accounts to Charge Management Fees from 2026: Policy Interpretation and Response Strategies 

An important announcement from HSBC in Hong Kong. The announcement makes it clear that from January 1, 2026 onwards, a management fee of HK$100 per month will be levied on eligible new HSBC One accounts. This policy adjustment will undoubtedly have an impact on the many mainland investors who rely on the account for cross-border fund transactions.

In actual operation, many foreign trade enterprises are unable to obtain compliant invoices, facing the risk of tax audit, and even lead to the predicament of paying back taxes and penalties. In this article, we will share a practical case to analyze how to achieve the dual goals of tax compliance and profit enhancement through the structural design of “Hong Kong company holding mainland company”.

Doing cross-border e-commerce, the first reason many people register a Hong Kong company is: “Hong Kong companies have offshore exemptions and do not have to pay tax on their income.”

But in the last two years, more and more sellers have realized that it's not that simple anymore.

The Hong Kong Inland Revenue Department (IRD) has started to require more documents, the threshold for applying for offshore exemption is getting higher and higher, and some of the applications have even been rejected outright and asked to pay back taxes and penalties for several years.

Will the offshore exemption still be available in 2026? What compliance actions must a Hong Kong company do each year?

This article today gives you a clear answer.

Recently, a large number of customers have asked: Why is the application for a Hong Kong bank account by a BVI company repeatedly rejected? Banks generally require a Hong Kong Business Registration Certificate (BR), is this requirement mandatory? Is it mandatory to apply for BR? Is there any feasible channel to open an account without BR?

For those who have the needs of cross-border financial management, overseas savings, foreign trade collection, etc., it is crucial to have a safe and stable Hong Kong bank account. And HSBC, as an internationally recognized financial institution, has become the first choice of many people to open a Hong Kong account with its perfect service system and convenient cross-border financial functions.

In order to let everyone less detour, combined with the implementation of the latest charging rules from January 1, 2026, the following will be the Hong Kong HSBC three core accounts, according to the “novice starter - medium-high assets - high net worth” order, in three points of detailed dismantling, from the threshold, the advantages of opening an account to the material, the process of a one-time to speak through, according to the need to choose to not step on the pits.