Transparent. Open. Auditable.
How we compare
Every ranking and label has a source. No hidden weights. No sponsored placements.
01
Facts first
All comparison data comes from provider public sources — fee schedules, terms, official pages.
02
Open ranking
Every "lowest fee" or "fastest approval" label means the literal lowest/fastest number. Formulas below.
03
No advice
We never call any product "best". We compare; you decide.
Ranking formulas
Stock brokers
Cost score:
cost_score = hk_commission_pct + (fx_spread_bps / 200) Lower score = cheaper. Full data is public on our GitHub repo.
Health insurance
Ranking dimensions (lower = better-ranked):
- Monthly premium (HKD)
- Annual coverage limit — higher = ranked higher
- Number of network hospitals
Personal loans
Composite score:
apr_score = apr_pct_from + (approval_minutes / 60) Lower = cheaper + faster.
How the AI works
Qwen 2.5 7B Instruct
Runs on Cloudflare Workers AI, inferences within edge
- ✓ AI only interprets data — never tells you what to buy.
- ✓ Every AI reply is guarded with strict rules — no personal investment advice.
- ✓ Your conversations are not used to train models.
- ✓ AI answers cite our public data set.
Data sources
Regulators
- · sfc.hk — SFC licence search
- · hkma.gov.hk — Bank + HKDPS data
- · ird.gov.hk — Tax rates + allowances
- · hkex.com.hk — HKEX data
Providers official
- · Bank official rate sheets
- · Broker public commission tables
- · Insurance PDS documents
- · Credit card T&Cs
All data refreshed weekly. Last updated: 2026-06-07
What we never do
- × Take money to boost a provider's ranking
- × Sell your personal data
- × Cold-call you to sell products
- × Hide terms and conditions