香港寿险销售创纪录 高净值人群增多推动

香港寿险销售去年增长50.6%,创下422亿美元新高,受富裕客户需求推动。瑞士再保险公司寿险与健康业务首席执行官保罗·默里表示,香港百万富翁增多及家族办公室设立增加是主要原因。香港无遗产税并提供税收优惠吸引了高净值家庭。

香港寿险业去年新单保费收入达422亿美元,同比增长50.6%,创历史新高。HSBC寿险首席执行官表示,此增长捕捉了亚洲 onshore 和 offshore 需求。

富裕客户持续在香港购买寿险,用于财富传承、保障和医疗需求。保罗·默里指出,近年来业务持续增长源于更多富人设立家族办公室,并利用寿险向下一代转移财富。

香港不征收遗产税,并自2023年起为单一家族办公室提供税收优惠,此举吸引了富裕家庭。香港货币金融研究所研究显示,截至2025年底,香港运营单一家族办公室超过3380个,过去两年增加约680个。

默里称:“香港百万富翁增多导致家族办公室增加,因其友好的司法管辖区、法治和低税制。他们视香港为继任规划理想地点,这推动了寿险销售增长。”

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Sales of luxury homes in Hong Kong surged 156% in the first quarter, driven by stock-market gains and attractive prices, real estate agents say. Mainland Chinese buyers accounted for more than half of the deals. The segment is likely to see another increase in the second quarter.

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Rich buyers are reshaping ultra-luxury property markets from Sydney and Hong Kong to Dubai, drawn by each city's unique selling proposition. In Sydney, Peter Li, general manager at Plus Agency, said commission revenues on super-luxury homes had risen about 20 per cent from a year earlier. The mood is similarly upbeat in Hong Kong.

A Finnish national turned a two-week trip to Hong Kong in early 2019 into a new career in luxury real estate. Minna Honkanen, now a senior manager at Landscope Realty overseeing the Hong Kong market, is marketing a penthouse duplex valued at HK$238 million (US$30.45 million).

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Hong Kong's property market ended three years of decline with a strong rebound in the Year of the Snake, recording 87,506 transactions worth about US$86.8 billion. Agents expect the Year of the Horse to build on this momentum, aided by lower interest rates and potential government budget support, shifting from recovery to expansion. Derek Chan Hoi-chiu, head of research at Ricacorp Properties, anticipates firmer prices across mass, mid-market, and luxury segments.

 

 

 

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