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Umthethosisekelo · i-Asia-Pacific

i-Hong Kong

I-Hong Kong iyindawo enkulu yebhange lamazwe omhlaba kanye nemakethe yamasheya kanye ne-gateway eyinhloko yokuhamba kwemali ngaphakathi nangaphandle kwezwekazi laseChina. Ibhange, inani eligcinwe futhi abakhiqizi be-stablecoin bavunyelwa yi-Hong Kong Monetary Authority (HKMA), ngenkathi amasevisi, i-FX enezinkokhelo kanye namapulatifomu wokuthengiswa kwezimpahla ezibonakalayo avunyelwa yi-Securities and Futures Commission (SFC).

Isibhamu sengoziIsiqephu
FATFAkukho kuluhlu
EU AML uhlu lwengozi ephezuluAkukho kuluhlu
i-EU tax listAkukho kuluhlu
Izinhlelo zelayisense10
Imalii-HKD
Izinga le-S&Pi-AA+
Ukhetho Olulandelayo2027

Ayikho ku- FATF uhlu olungwevu noma olumnyama ngemuva kwengqungquthela kaJuni 2026, ayikho ku- EU uhlu lwezwe lesithathu elinomthelela omkhulu (Imithetho egunyaziwe (EU) 2016/1675 njengoba iguqulwe, yamuva yimithetho egunyaziwe (EU) 2026/46), futhi ayikho ku- Annex I ye-EU uhlu lwezimali olungisiwe ngoFebhuwari 17, 2026. Kuhlolwe ngoOkthoba 7, 2026.

Umbuso nepolitiki

UMbuso
Isifundazwe esikhethekile sokuphatha esiholwa yi-Executive ngaphansi kwe-'izwe elilodwa, izimiso ezimbili'
i-Republic of China
Xi Jinping · kusukela ngoMashi 2013
Isikhulu Esiphezulu
uJohn Lee Ka-chiu (ongekho emthethweni)
Amaqembu alawulayo
Akukho amaqembu epolitiki emkhakheni wezombusazwe
Ukhetho oludlule
Ikomiti Lezomthetho, 7 kuDisemba 2025
Ukhetho Olulandelayo
UMengameli (iKomiti Lokhetho Elingu-1,500), olindeleke ngo-2027. Isikhathi sikaJohn Lee siphele ngomhla ka-30 kuJuni 2027; ukhetho olulandelayo lweNkantolo Yomthethosivivinywa lulindeleke ngoDisemba 2029
Umthethosivivinywa
Ikomiti lezomthetho (igumbi elinye, iziqhingi ezingu-90: iKomiti lokhetho elingu-40, iziqhingi ezingu-30 zomsebenzi kanye neziqhingi ezingu-20 zesifundazwe)
Indlela yomthetho
Imithetho ejwayelekile yase-English

Economics and finance

Abahlali
7.5m (2025)
I-GDP
i-USD 427.3 billion (2025)
I-GDP ngamuntu
i-US$56,893 (2025)
Imali
i-Hong Kong dollar (HKD), ibhodi lemali ehlobene ne-USD (i-Linked Exchange Rate System, 7.75 kuya ku-7.85 ngedola)
Ibhange Eliphakathi
i-Hong Kong
Izinga lemali
S&P AA+ (ihlala) · Moody's Aa3 (ihlala) · Fitch AA- (ihlala) (ngoMeyi 2026)

I-Hong Kong iyindawo ehamba phambili yezezimali zamazwe omhlaba kanye nesango eliyinhloko lemali ngaphakathi nangaphandle kwezwekazi laseChina, namabhange alawulwa yi-Hong Kong Monetary Authority ngaphansi kwesimiso semithetho ejwayelekile esehlukaniswe nezwekazi.

Ibhange

Ilayisense lebhange (ibhange eligunyaziwe)

Imali encaneUS$ 38.2m
IsikhathiAkukho kushicilelwe
IgunyaHKMA

Imali encane engu-HKD 300 million (imali yesethi ekhokhiwe kanye nepremiyamu yesethi)

Umthetho
Banking Ordinance (Cap. 155), s 16 and Seventh Schedule
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • Abaphathi abaphezulu, abaqondisi, abalawulayo kanye nabasebenzi
  • Imali engenayo ephephile, i-liquidity kanye nekhwalithi yempahla; ukulawula okunembile kwangaphakathi kanye namasistimu wokubalwa kwezimali
  • Ukuhlola okunembile kwezwe lasekhaya lebhange elibhalisiwe ngaphandle kweHong Kong
  • Ingamukela izikhundla ezincane nezikhulu ezivela kumphakathi futhi isebenze ama-akhawunti akhona kanye nama-akhawunti ezimali
Sources(2)
  1. HKMA: Authorization Regime · checked 2026-10-07
  2. HKMA: The Three-tier Banking System · checked 2026-10-07
Ibhange

Ilayisense lebhange elibonakalayo

Imali encaneUS$ 38.2m
IsikhathiAkukho kushicilelwe
IgunyaHKMA

Amabhange edijithali yibhange eligunyazwe futhi kufanele lihlangabezane nezimo eziphansi zeSixhumanisi Esiyisishiyagalombili, kufaka phakathi i-HKD engu-300 yezigidi zamasheya aphansi

Umthetho
Banking Ordinance (Cap. 155); HKMA Guideline on Authorization of Digital Banks (revised 25 October 2024)
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • Ihlinzeka ngezinsizakalo zebhange kuphela noma ngokuyinhloko ngohlelo lwe-elekthronikhi
  • Imibandela ephansi yogunyazo kanye nemibandela yokulawula njengebhange elijwayelekile, elihlanganisiwe ngokuya ngengozi
  • Izitolo ezincane neziphakathi nendawo
Sources(1)
  1. HKMA: Digital Banks · checked 2026-10-07
Ibhange

Ilayisense lebhange elilinganiselwe (ibhange elilinganiselwe)

Imali encaneUS$ 12.7mi-HKD 100 million
IsikhathiAkukho kushicilelwe
IgunyaHKMA
Umthetho
Banking Ordinance (Cap. 155), Seventh Schedule
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • Okuyinhloko ukuhweba kwebhange kanye nebhizinisi lemakethe yamasheya
  • Ingathatha ama-deposits nganoma yisiphi isikhathi sokuphelelwa yisikhathi se-HKD 500,000 nangaphezulu
  • Izinga elifanayo lokuhambisana nokulungile, izimali kanye nemithetho yokulawula njengezinye izinhlangano ezigunyaziwe
Sources(2)
  1. HKMA: Authorization Regime · checked 2026-10-07
  2. HKMA: The Three-tier Banking System · checked 2026-10-07
Ibhange

Ukubhaliswa kwenkampani ethatha imali

Imali encaneUS$ 3.2mi-HKD 25 million
IsikhathiAkukho kushicilelwe
IgunyaHKMA
Umthetho
Banking Ordinance (Cap. 155), Seventh Schedule
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • Ingathatha ama-deposits angama-HKD 100,000 noma ngaphezulu ngesikhathi sokuqala esingunyanga ezintathu
  • Iningi lazo lingaphansi kwebhange; izimali zomsebenzisi, ukudluliswa kwemali kwezokuhweba kanye nebhizinisi lezezimali
  • Isigaba esixhunywe kumabhange elayisense elingenalutho ngaphansi kwe HKMA's inguquko yesigaba ezimbili (5-unyaka woshintsho)
Sources(2)
  1. HKMA: Authorization Regime · checked 2026-10-07
  2. HKMA: Consultation Conclusions on Review of Three-Tier Banking System (5 August 2024) · checked 2026-10-07
Inhlangano yemali-elektroniki

Ilayisense lendawo yokugcina impahla (SVF)

Imali encaneUS$ 3.2m
IsikhathiAkukho kushicilelwe
IgunyaHKMA

Imali-mboleko ekhokhiwe engangaphansi kuka-HKD ayizigidi ezingama-25 (noma amathuluzi ezimali alinganayo avunyelwe); HKMA kungadinga okuningi

Umthetho
Payment Systems and Stored Value Facilities Ordinance (Cap. 584), Part 2 of Schedule 3
Izindleko
Imali yelayisense yi-HKD 113,020 ngaphansi kweShedu 4, njengokusho HKMA i-explaining note
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • I-float kumele ikhuselwe futhi igcinwe ngokuhlukile
  • Iziphathimandla ezifanele, abaqondisi kanye nabaphathi
  • Ukulawula ingozi, AML/CFT kanye nokulawulwa kwezobuchwepheshe
  • Ingxelo yokuhlola ehlukile ngezinhlelo nokulawulwa
Sources(1)
  1. HKMA: Explanatory Notes on Licensing for Stored Value Facilities · checked 2026-10-07
Umhlinzeki wezinsizakalo zokukhokha (PSP)

Ilayisense yomsebenzi wokusebenza ngemali (MSO): ukushintshana nezimali

Imali encaneAkukho kushicilelwe
IsikhathiAkukho kushicilelwe
IgunyaI-Commissioner of Customs and Excise
Umthetho
Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Cap. 615), Part 5
Izindleko
Isicelo, ukuvuselelwa, izindlu kanye nezindleko zokuhlola ezifanele ngaphansi kweschedule yezindleko ze-AMLO (Imiyalelo Yokugunyazwa isigaba XIV); inani aliqinisekiswanga embhalweni okhishwe
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • Ilayisense isebenza iminyaka emi-2
  • Ukuhlolwa okulungile nokufanele komuntu oyedwa, abalingani, abaqondisi kanye nabanikazi abakhulu
  • Izinhlelo zebhizinisi AML/CFT inqubomgomo; umphathi wokulandelana
  • Indawo yokuhweba ebhalisiwe kanye ne-akhawunti yebhange
Sources(2)
  1. C&ED: Money Service Operators Licensing System · checked 2026-10-07
  2. C&ED: Licensing Guide for Money Service Operators · checked 2026-10-07
Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)

Ilayisense le-Virtual asset trading platform (VATP), i-AMLO ne-SFO

Imali encanei-USD 637k
IsikhathiAkukho kushicilelwe
IgunyaSFC

Imali-mboleko ekhokhelwe phezulu eyizigidi ezingama-HKD 5; izimali ezingenalutho zemali ephakeme ye-HKD 3 million kanye nenani eliyinhloko; izimali ezingenalutho ezilingana ne 12 izinyanga zezindleko zokusebenza

Umthetho
Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Cap. 615), Part 5B; Securities and Futures Ordinance (Cap. 571), Types 1 and 7 for security tokens
Izindleko
Imali yokufaka isicelo i-HKD 4,740 yelayisense lenkonzo ye-AMLO VA ne-HKD 4,740 ngemisebenzi elawulwa yi-SFO
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • Izinhlangano ezisebenza e-Hong Kong noma ezithengisa ngokuqinile kubatshalizimali base-Hong Kong kumele zibe nelayisense
  • SFC icebisa ukuthi kwenziwe isicelo ngaphansi kwezimiso ze-SFO ne-AMLO
  • Ingxelo yokuhlolwa kwangaphandle
  • Abaphathi abathintekayo kanye nabameli abanelayisense; ukulawulwa kwempahla yekhasimende
Sources(2)
  1. SFC: Virtual asset trading platforms operators · checked 2026-10-07
  2. SFC: Guidelines for Virtual Asset Trading Platform Operators · checked 2026-10-07
Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)

Ilayisensi yokukhipha i-Stablecoin

Imali encaneUS$ 3.2m
IsikhathiAkukho kushicilelwe
IgunyaHKMA

Imali-mboleko ekhokhelwe ngaphezu kwezigidi ezingama-HKD ezingu-25 noma imali-mboleko elinganayo

Umthetho
Stablecoins Ordinance (Cap. 656), in force 1 August 2025
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • Kudingeka ukukhishwa kwe-stablecoins ebhekiswe kuyo i-fiat eHong Kong noma i-stablecoins ebhekiswe kuyo i-HKD kuphi na
  • Umfakisicelo kumele abe yinkampani yaseHong Kong noma inhlangano egunyazwe
  • Usizo oluphelele lwe-reserve, ukuhlukaniswa nokubuyiselwa kwemali
  • HKMA imisa isibhamu esiphezulu: 36 izicelo ngesikhathi sokuqala, 2 izinqumo ezinikezelwe ngo-Apreli 2026
Sources(2)
  1. HKMA: Explanatory Note on Licensing of Stablecoin Issuers · checked 2026-10-07
  2. HKSAR Government: LCQ6 Development and regulation of stablecoins (10 June 2026) · checked 2026-10-07
Inkampani yokutshala imali

SFC ilayisense yemisebenzi elawulwayo yohlobo 1 (ukuhweba ngezinkokhelo)

Imali encanei-USD 637k
IsikhathiSFC ithi cishe amaviki angama-15 ngesicelo senkampani enelayisense
IgunyaSFC

I-HKD 5 million yemali ekhokhwayo ne-HKD 3 million yemali eyanele kulesi simo esijwayelekile; i-HKD 10 million ekhokhwayo uma inikeza imali yokukhokha umkhawulo wezimali zokuphepha; ukusungula abameli nabahwebi udinga kuphela i-HKD 500,000 yemali eyanele

Umthetho
Securities and Futures Ordinance (Cap. 571), s 116; Securities and Futures (Financial Resources) Rules
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • At least two responsible officers per regulated activity, one an executive director
  • Kukhona okungenani umphathi onesibopho esisodwa esitholakala ngaso sonke isikhathi eHong Kong
  • Inkampani efanelekayo, abanini-zimali abakhulu kanye nabaphathi
  • Ukulandelana okuqhubekayo kwemithombo yezimali kanye ne-akhawunti ehlolwe
Sources(1)
  1. SFC: Licensing Handbook (2025) · checked 2026-10-07
I-FX broker

SFC ilayisense yemisebenzi elawulwa ngohlobo 3 (ukuhweba ngemali engenayo yangaphandle)

Imali encaneUS$ 3.8m
IsikhathiSFC ithi cishe amaviki angama-15 ngesicelo senkampani enelayisense
IgunyaSFC

i-HKD 30 million yemali ekhokhiwe kanye ne-HKD 15 million yemali ephilayo (i-HKD 5 million ne-HKD 3 million kulowo ogunyazwe ukuba ngumqondisi).

Umthetho
Securities and Futures Ordinance (Cap. 571); Securities and Futures (Financial Resources) Rules
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • Abaphathi abathathu abathintekayo ngemisebenzi elawulwa
  • Izidingo eziphezulu zemali yezimali kuzo zonke izinhlelo ezinelayisense
  • Ukwahlukaniswa kwezimali zekhasimende kanye nemithetho ye-margin
Sources(1)
  1. SFC: Licensing Handbook (2025) · checked 2026-10-07
Ama-Supervisors

Ubani olawula

  • I-Hong Kong Monetary Authority (HKMA) · iwebhusayithiamabhange, izinhlangano zemali ye-E, abahlinzeki bezinsizakalo zempahla ebonakalayo (VASPs)
  • Securities and Futures Commission (SFC) · websiteInvestment firms, FX brokers, Virtual asset service providers (VASPs)
  • I-Department of Customs and Excise (Money Service Supervision Bureau) (C&ED) · websitePayment service providers

Three-tier banking reform: in its 5 August 2024 consultation conclusions the HKMA confirmed it will merge deposit-taking companies into restricted licence banks (two-tier system) with a 5-year transition and is preparing the legislative amendments; siqinisekise ukumiswa komthetho njenge 2026-10-07. Imidlalo: ayikho ilayisense ye-casinos online noma ukubheja; ukugembula kuvunyelwe ngaphansi koMthetho wokuGembula (Cap. 148) ngaphandle kwemisebenzi egunyazwe, futhi i-Hong Kong Jockey Club iyiqembu elilodwa eligunyaziwe lokugembula emidlalweni yengulube, ibhola lebhola kanye ne-lotteries. Isikhathi selayisense SFC yisikhathi sokucubungula esijwayelekile esishowe kwincwadi yayo yelayisensi, hhayi isikhathi esisemthethweni. Izindleko ze-MSO zibekwe kwischedule yezimali ze-AMLO futhi aziqinisekisiwe kusuka kumbhalo wesikhombisi okhishwe.

Ulwazi oluphelele

Ngaye Hong Kong

i-Hong Kong
i-Hong Kong i-Hong Kong
Izilimi zesihlabathi. I-map ikhombisa kuphela.
Isimo
i-China
Indawo
1,108 km²
Izilimi ezisemthethweni
isiTshayina (i-Cantone), isiNgisi
Indawo yesikhathi
UTC+08:00

Ukuthunyelwa okuyinhloko

  • izinsizakalo zezimali
  • izinsizakalo zokuhweba nezokuthutha
  • igolide
  • i-integrated circuits
  • imishini yokusakaza

Abahlanganyeli abakhulu

  • i-China
  • i-Vietnam
  • i-Korea enyakatho
  • i-Netherlands
  • i-Switzerland
Sources for the country information(10)

Ulwazi lwezwe luhlolwe ngo-Okthoba 9, 2026. Idatha yelayisense ivuselelwe ngo-Okthoba 7, 2026. Ulwazi kuphela, hhayi incazelo yomthetho; izimfuneko zishintsha. Isaziso sokulawula.