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A woman is running on a trail; image used for HSBC FinFit

How financially fit are you?

Shape up your finances, together with HSBC FinFit

How Hong Kong measures up?

HSBC FinFit Index:


In the 2022 FinFit Study, people of Hong Kong recorded a slightly lower score on the HSBC FinFit Index than they did the previous year. This is likely due to the impact of the pandemic and the economic slowdown. Overall, though, they remain resilient, resourceful and quick to adapt to change.

What are some key insights?

  • 59% of people of Hong Kong are “Downturn Winners” who achieved a  return of 2% or above on their liquid assets last year
  • 86% of the winners are Very Fit/Moderately Fit
  • Very Fit individuals hold an average of 4.7 types of investment & insurance products (versus 1.6 types for the Unfit)
  • 98% of the Very Fit monitor their spending, versus only 37% of the Unfit.
  • 99% of the Very Fit review their financial plans at least once a year, versus only 21% of the Unfit.
Several ladies are practicing yoga

How we measure your FinFitness?

The FinFit index adopts an algorithmic approach by combining external survey responses with internal customer data in a financial behaviour study. It covers four areas: financial habits, financial knowledge, financial planning, and cyber security & safety.

Financial habits

Day-to-day money management eg saving money, tracking expenses and paying bills.

Financial knowledge

Understanding of financial products and how to make the most of one's money.

Financial planning

Motivation or actions you take to plan for your future and reach your financial goals.

Cyber security & safety

Wise behaviour to avoid being suffered from cyber fraud.

How can you become more FinFit?

Automatically track expenses from all your HSBC bank accounts and credit cards with ease. Plan your finances and develop saving habits effortlessly.

Build habits for better financial wellbeing.

Explore a fun and rewarding way to improve your wellness—body, money and mind.

Know the difference between saving and investing.