{"_meta":{"site":"bayhub.hk","license":"CC BY 4.0","attribution":"bayhub.hk","count":26},"pages":[{"id":"account-opening","type":"program","slug":"practical/setup/account","status":"active","title":{"zh-Hans":"开对公银行户","zh-Hant":"開對公銀行戶","en":"Open a corporate bank account"},"tldr":{"zh-Hans":"开对公户是香港落地最大的早期卡点：周期常见 2 周到 3 个月，被拒不罕见，核心是过银行的 KYC / 反洗钱审查——银行要看到真实业务、真实交易、清晰资金来源。越早备料越好；传统银行难就考虑虚拟（数字）银行，或用 HKMA 开户支援专线求助（2878-1133）。","zh-Hant":"開對公戶是香港落地最大的早期卡點：週期常見 2 週到 3 個月，被拒不罕見，核心是過銀行的 KYC / 反洗錢審查——銀行要看到真實業務、真實交易、清晰資金來源。越早備料越好；傳統銀行難就考慮虛擬（數字）銀行，或用 HKMA 開戶支援專線求助（2878-1133）。","en":"Opening a corporate account is the biggest early bottleneck to landing in Hong Kong: it commonly takes 2 weeks to 3 months, and rejections are not rare. The crux is passing the bank's KYC / anti-money-laundering checks — the bank needs to see a real business, real transactions, and a clear source of funds. The earlier you prepare, the better; if traditional banks are difficult, consider a virtual (digital) bank, or call the HKMA account-opening support hotline (2878-1133) for help."},"flow":"money","audience":["trade","tech","consumer","services","finance","mainland"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-02","url":"https://bayhub.hk/practical/setup/account","data":"https://bayhub.hk/data/pages/account-opening.json"},{"id":"crossborder-qianhai-hetao","type":"crossborder","slug":"practical/cross-border/qianhai-hetao","status":"active","title":{"zh-Hans":"前海 vs 河套：两个深港低税甜区怎么用","zh-Hant":"前海 vs 河套：兩個深港低稅甜區怎麼用","en":"Qianhai vs Hetao: how to use the two Shenzhen–Hong Kong low-tax sweet spots"},"tldr":{"zh-Hans":"前海和河套是深港叠加的两个低税园区，都有企业所得税 15% 和港人港税优惠，但定位不同：前海偏现代服务业 + 深港青年创业（梦工场），河套偏深港科创。共同硬门槛：优惠要落在特定区域 + 鼓励目录 + 实质运营，注册地址挂靠拿不到。政策还有期限，动手前先看是否延续。","zh-Hant":"前海和河套是深港疊加的兩個低稅園區，都有企業所得稅 15% 和港人港稅優惠，但定位不同：前海偏現代服務業 ＋ 深港青年創業（夢工場），河套偏深港科創。共同硬門檻：優惠要落在特定區域 ＋ 鼓勵目錄 ＋ 實質營運，註冊地址掛靠拿不到。政策還有期限，動手前先看是否延續。","en":"Qianhai and Hetao are two low-tax parks where Shenzhen and Hong Kong overlap; both offer 15% corporate income tax and the Hong Kong-tax cap, but their focus differs: Qianhai leans toward modern services + Shenzhen–Hong Kong youth entrepreneurship (Dream Factory), Hetao toward Shenzhen–Hong Kong tech and innovation. The shared hard thresholds: the breaks require being in a designated zone + on the encouraged list + substantive operations — a nominal registered address won't get them. The policies also have expiry dates, so check whether they've been extended before you act."},"flow":"companies","audience":["tech","services","mainland"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-02","url":"https://bayhub.hk/practical/cross-border/qianhai-hetao","data":"https://bayhub.hk/data/pages/crossborder-qianhai-hetao.json"},{"id":"crossborder-sz-vs-hk","type":"crossborder","slug":"practical/cross-border/sz-vs-hk","status":"active","title":{"zh-Hans":"深圳公司 vs 香港公司：怎么选、怎么并行","zh-Hant":"深圳公司 vs 香港公司：怎麼選、怎麼並行","en":"Shenzhen company vs Hong Kong company: how to choose, how to run both"},"tldr":{"zh-Hans":"只做内地生意、要开发票雇内地人，深圳公司够了；要收外汇/跨境/出海/融资上市，才需要香港公司；两地都跑就香港控股+深圳运营。前海河套有双 15% 和港人港税，但有硬门槛——注册在前海≠自动享。","zh-Hant":"只做內地生意、要開發票僱內地人，深圳公司夠了；要收外匯／跨境／出海／融資上市，才需要香港公司；兩地都跑就香港控股＋深圳營運。前海河套有雙 15% 和港人港稅，但有硬門檻——註冊在前海≠自動享。","en":"If you only do mainland business and need to issue invoices and hire mainland staff, a Shenzhen company is enough; you only need a Hong Kong company to receive foreign currency, settle cross-border, go global, or raise capital and list. Run both and it's a Hong Kong holding company plus Shenzhen operations. Qianhai and Hetao offer the double 15% and the Hong Kong-tax cap, but with hard thresholds — registering in Qianhai ≠ automatically getting them."},"flow":"companies","audience":["trade","tech","services","mainland"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-02","url":"https://bayhub.hk/practical/cross-border/sz-vs-hk","data":"https://bayhub.hk/data/pages/crossborder-sz-vs-hk.json"},{"id":"flow-companies","type":"flow","slug":"map/companies","status":"active","title":{"zh-Hans":"企业流","zh-Hant":"企業流","en":"Companies"},"tldr":{"zh-Hans":"香港已经落地了一大批企业——驻港的外资与内地母公司、每年新登记的公司，加上活跃的初创。它们有预算、要合规运营，本身就是现成的买家。","zh-Hant":"香港已經落地了一大批企業——駐港的外資與內地母公司、每年新登記的公司，加上活躍的初創。它們有預算、要合規運營，本身就是現成的買家。","en":"A large base of companies is already on the ground in Hong Kong — overseas and mainland parent companies with a Hong Kong presence, newly registered companies each year, plus an active startup scene. They have budgets and must run compliantly — they are ready-made buyers."},"flow":"companies","audience":["services","trade","mainland"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-08","url":"https://bayhub.hk/map/companies","data":"https://bayhub.hk/data/pages/flow-companies.json"},{"id":"flow-goods","type":"flow","slug":"map/goods","status":"active","title":{"zh-Hans":"货流","zh-Hant":"貨流","en":"Goods"},"tldr":{"zh-Hans":"香港几乎不生产，贸易额里几乎全是转口——价值在「过手增值」，不在制造。它更像把货卖去内地、东盟与全球的跳板，而非终端市场。","zh-Hant":"香港幾乎不生產，貿易額裡幾乎全是轉口——價值在「過手增值」，不在製造。它更像把貨賣去內地、東盟與全球的跳板，而非終端市場。","en":"Hong Kong barely manufactures anything; almost all of its trade is re-export — the value is in adding value in transit, not in making things. It is more a springboard for selling goods into the mainland, ASEAN and the world than an end market."},"flow":"goods","audience":["trade","consumer","mainland"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-06","url":"https://bayhub.hk/map/goods","data":"https://bayhub.hk/data/pages/flow-goods.json"},{"id":"flow-money","type":"flow","slug":"map/money","status":"active","title":{"zh-Hans":"钱流","zh-Hant":"錢流","en":"Money"},"tldr":{"zh-Hans":"香港的钱高度机构化、也高度外向——它是资金的过路枢纽，不是终端市场。机会不在散客，而在服务机构、以及服务这些跨境流动的资金。","zh-Hant":"香港的錢高度機構化、也高度外向——它是資金的過路樞紐，不是終端市場。機會不在散客，而在服務機構、以及服務這些跨境流動的資金。","en":"Hong Kong's money is highly institutional and highly outward-facing — it is a transit hub for capital, not an end market. The opportunity lies not in retail clients, but in serving institutions and the cross-border capital flowing through."},"flow":"money","audience":["tech","finance","services"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-07","url":"https://bayhub.hk/map/money","data":"https://bayhub.hk/data/pages/flow-money.json"},{"id":"flow-people","type":"flow","slug":"map/people","status":"active","title":{"zh-Hans":"人流","zh-Hant":"人流","en":"People"},"tldr":{"zh-Hans":"本地常住盘子小，别把香港当终端大市场——真正的需求在「流动的人」身上：川流不息的短期访客，和人才计划持续带来的新移民。","zh-Hant":"本地常住盤子小，別把香港當終端大市場——真正的需求在「流動的人」身上：川流不息的短期訪客，和人才計劃持續帶來的新移民。","en":"The resident base is small — don't treat Hong Kong as a big end market. The real demand is in the people passing through: the constant stream of short-term visitors, and the new arrivals that talent schemes keep bringing in."},"flow":"people","audience":["consumer","services","tech"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-06","url":"https://bayhub.hk/map/people","data":"https://bayhub.hk/data/pages/flow-people.json"},{"id":"flow-rules","type":"flow","slug":"map/rules","status":"active","title":{"zh-Hans":"规则流","zh-Hant":"規則流","en":"Rules"},"tldr":{"zh-Hans":"香港的隐形枢纽是「规则」：普通法、独立司法，加上与内地的独家安排——尤其是可被内地法院认可、申请财产保全的境外仲裁地这一独门优势。","zh-Hant":"香港的隱形樞紐是「規則」：普通法、獨立司法，加上與內地的獨家安排——尤其是可被內地法院認可、申請財產保全的境外仲裁地這一獨門優勢。","en":"Hong Kong's invisible hub is its rules: common law, an independent judiciary, plus arrangements with the mainland that no one else has — above all its unique status as an offshore arbitration seat whose awards mainland courts recognise and where you can seek asset preservation."},"flow":"rules","audience":["services","mainland","trade"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-06","url":"https://bayhub.hk/map/rules","data":"https://bayhub.hk/data/pages/flow-rules.json"},{"id":"funding-bud","type":"program","slug":"funding/bud","status":"active","title":{"zh-Hans":"BUD 专项基金","zh-Hant":"BUD 專項基金","en":"BUD Fund"},"tldr":{"zh-Hans":"香港公司拓内地或东盟/自贸市场的最大一笔政府资助：每企业累计上限 HK$700 万，50:50 配对，单项目上限 100 万。官方资格宽松（非上市+实质营运），但实务门槛严得多（营业额、本地雇员强积金、实体办公室）。","zh-Hant":"香港公司拓內地或東盟/自貿市場的最大一筆政府資助：每企業累計上限 HK$700 萬，50:50 配對，單項目上限 100 萬。官方資格寬鬆（非上市+實質營運），但實務門檻嚴得多（營業額、本地僱員強積金、實體辦公室）。","en":"The largest government grant for a Hong Kong company expanding into the mainland or ASEAN/FTA markets: up to HK$7M cumulative per company, 50:50 matching, HK$1M cap per project. The official eligibility is loose (non-listed + real operations), but the real-world bar is much higher (turnover, MPF for local staff, a physical office)."},"flow":"goods","audience":["trade","tech","services"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-06","url":"https://bayhub.hk/funding/bud","data":"https://bayhub.hk/data/pages/funding-bud.json"},{"id":"funding-cyberport-ccmf","type":"program","slug":"funding/cyberport-ccmf","status":"active","title":{"zh-Hans":"数码港 CCMF 创意微型基金","zh-Hant":"數碼港 CCMF 創意微型基金","en":"Cyberport Creative Micro Fund (CCMF)"},"tldr":{"zh-Hans":"数码港给数码科技点子的第一笔种子钱：最高 HK$10 万，分 3 期（签约 1 万 + 中期 4.5 万 + 结项 4.5 万），6 个月项目期。全年受理、每年分 3 批处理，个人（持港身份证）即可申——最容易够得着的一笔，也是进 CIP 孵化的常见跳板。","zh-Hant":"數碼港給數碼科技點子的第一筆種子錢：最高 HK$10 萬，分 3 期（簽約 1 萬 + 中期 4.5 萬 + 結項 4.5 萬），6 個月項目期。全年受理、每年分 3 批處理，個人（持港身份證）即可申——最容易夠得著的一筆，也是進 CIP 孵化的常見跳板。","en":"Cyberport's first seed money for digital-tech ideas: up to HK$100K, in 3 tranches (HK$10K on signing + HK$45K interim + HK$45K on completion), over a 6-month project period. Applications are accepted year-round and processed in 3 batches a year, and individuals (holding a HK ID card) can apply — the most accessible grant of the lot, and a common stepping stone into CIP incubation."},"flow":null,"audience":["tech"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-08","url":"https://bayhub.hk/funding/cyberport-ccmf","data":"https://bayhub.hk/data/pages/funding-cyberport-ccmf.json"},{"id":"funding-cyberport-cip","type":"program","slug":"funding/cyberport-cip","status":"active","title":{"zh-Hans":"数码港 CIP 孵化计划","zh-Hant":"數碼港 CIP 孵化計劃","en":"Cyberport Incubation Programme (CIP)"},"tldr":{"zh-Hans":"数码港给数码科技初创的系统孵化：最高 HK$50 万资助 + 最高 HK$20 万驻场租金补贴，24 个月，全年滚动接受。门槛是成立不足 7 年的港注册数码科技公司、创始人合计持股 ≥51%，并须维持本地实体存在。","zh-Hant":"數碼港給數碼科技初創的系統孵化：最高 HK$50 萬資助 + 最高 HK$20 萬駐場租金補貼，24 個月，全年滾動接受。門檻是成立不足 7 年的港註冊數碼科技公司、創辦人合計持股 ≥51%，並須維持本地實體存在。","en":"Cyberport's structured incubation for digital-tech start-ups: up to HK$500K in funding + up to HK$200K in on-site rent subsidy, over 24 months, accepted year-round. The bar is a Hong Kong-registered digital-tech company under 7 years old, with founders holding ≥51% combined, that maintains a local physical presence."},"flow":null,"audience":["tech"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-08","url":"https://bayhub.hk/funding/cyberport-cip","data":"https://bayhub.hk/data/pages/funding-cyberport-cip.json"},{"id":"funding-dtspp","type":"program","slug":"funding/dtspp","status":"closing","title":{"zh-Hans":"DTSPP 数码转型支援先导计划","zh-Hant":"DTSPP 數碼轉型支援先導計劃","en":"DTSPP — Digital Transformation Support Pilot Programme"},"tldr":{"zh-Hans":"数码港给餐饮 / 零售中小企数字化的配对资助：最高 HK$50,000（项目成本 50% 与 5 万取低者），从预批的现成数码方案里选。注意——本轮申请已于 2026-03-31 截止，截至 2026-07 门户显示已关闭，是否重开新批次待核。","zh-Hant":"數碼港給餐飲 / 零售中小企數碼化的配對資助：最高 HK$50,000（項目成本 50% 與 5 萬取低者），從預批的現成數碼方案裡選。注意——本輪申請已於 2026-03-31 截止，截至 2026-07 門戶顯示已關閉，是否重開新批次待核。","en":"A Cyberport matching grant for F&B and retail SMEs going digital: up to HK$50,000 (the lower of 50% of project cost and HK$50,000), chosen from a list of pre-approved off-the-shelf digital solutions. Note — this round closed on 2026-03-31, and as of 2026-07 the portal shows it as closed; whether a new round reopens is to be verified."},"flow":null,"audience":["consumer","services"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-08","url":"https://bayhub.hk/funding/dtspp","data":"https://bayhub.hk/data/pages/funding-dtspp.json"},{"id":"funding-hkstp-ideation","type":"program","slug":"funding/hkstp-ideation","status":"active","title":{"zh-Hans":"科技园 Ideation 创意萌芽","zh-Hant":"科技園 Ideation 創意萌芽","en":"HKSTP Ideation Programme"},"tldr":{"zh-Hans":"香港科技园给极早期点子的第一笔非稀释种子钱：最高 HK$10 万，分 3 期按里程碑发放，1 年支持期，含共享空间与导师。门槛低——个人（持港身份证）或成立不足 2 年的港公司都能申，但每年只有 1 / 5 / 9 月三个招募窗口。","zh-Hant":"香港科技園給極早期點子的第一筆非攤薄種子錢：最高 HK$10 萬，分 3 期按里程碑發放，1 年支持期，含共享空間與導師。門檻低——個人（持港身份證）或成立不足 2 年的港公司都能申，但每年只有 1 / 5 / 9 月三個招募窗口。","en":"HKSTP's first non-dilutive seed money for very early ideas: up to HK$100K, disbursed in 3 milestone tranches over a 1-year support period, with co-working space and mentors. Low barrier — individuals (holding a HK ID card) or HK companies under 2 years old can apply — but there are only three recruitment windows a year, around January, May, and September."},"flow":null,"audience":["tech"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-08","url":"https://bayhub.hk/funding/hkstp-ideation","data":"https://bayhub.hk/data/pages/funding-hkstp-ideation.json"},{"id":"funding-hkstp-incubation","type":"program","slug":"funding/hkstp-incubation","status":"active","title":{"zh-Hans":"科技园 Incubation 培育计划","zh-Hant":"科技園 Incubation 培育計劃","en":"HKSTP Incubation Programme"},"tldr":{"zh-Hans":"香港科技园的三条孵化流：Incu-Tech（硬 / 深科技，3 年）、Incu-App（应用创新）、Incu-Bio（生物医药，4 年、最高 HK$600 万）。给的是「现金资助 + 低价设施 + 培训 + 投资对接」的组合拳，面向成立不足 2 年的港科技公司。","zh-Hant":"香港科技園的三條孵化流：Incu-Tech（硬 / 深科技，3 年）、Incu-App（應用創新）、Incu-Bio（生物醫藥，4 年、最高 HK$600 萬）。給的是「現金資助 + 低價設施 + 培訓 + 投資對接」的組合拳，面向成立不足 2 年的港科技公司。","en":"HKSTP's three incubation streams: Incu-Tech (hard/deep tech, 3 years), Incu-App (applied innovation), and Incu-Bio (biomedical, 4 years, up to HK$6M). It's a combined package of cash funding, low-cost facilities, training, and investor matching, aimed at Hong Kong tech companies under 2 years old."},"flow":null,"audience":["tech"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-08","url":"https://bayhub.hk/funding/hkstp-incubation","data":"https://bayhub.hk/data/pages/funding-hkstp-incubation.json"},{"id":"funding-overview","type":"program","slug":"funding","status":"active","title":{"zh-Hans":"政府资助总览：你该申哪个？","zh-Hant":"政府資助總覽：你該申哪個？","en":"Government funding overview: which one should you apply for?"},"tldr":{"zh-Hans":"香港政府资助很多，但按类型和阶段分流后其实清晰：拓内地 / 海外市场看 BUD；科技早期看科技园 Ideation / 数码港 CCMF（各约 10 万）；要孵化看科技园 Incubation / 数码港 CIP；大学系团队看 TSSSU（每年最高 150 万）；要借款看融资担保 SFGS。用下面的决策树三步定位，再点进深页。注意：科技券 TVP 已停收新申请。","zh-Hant":"香港政府資助很多，但按類型和階段分流後其實清晰：拓內地 / 海外市場看 BUD；科技早期看科技園 Ideation / 數碼港 CCMF（各約 10 萬）；要孵化看科技園 Incubation / 數碼港 CIP；大學系團隊看 TSSSU（每年最高 150 萬）；要借款看融資擔保 SFGS。用下面的決策樹三步定位，再點進深頁。注意：科技券 TVP 已停收新申請。","en":"Hong Kong has plenty of government funding, but once you sort it by type and stage it becomes clear: to expand into the mainland or overseas markets, look at BUD; for early-stage tech, HKSTP Ideation / Cyberport CCMF (about HK$100K each); for incubation, HKSTP Incubation / Cyberport CIP; for university-linked teams, TSSSU (up to HK$1.5M a year); to borrow, the SFGS loan guarantee. Use the three-step decision tree below to place yourself, then open the deep page. Note: TVP no longer takes new applications."},"flow":null,"audience":["trade","tech","consumer","services","mainland"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-02","url":"https://bayhub.hk/funding","data":"https://bayhub.hk/data/pages/funding-overview.json"},{"id":"funding-sfgs","type":"program","slug":"funding/sfgs","status":"active","title":{"zh-Hans":"SFGS 中小企融资担保","zh-Hant":"SFGS 中小企融資擔保","en":"SFGS — SME Financing Guarantee Scheme"},"tldr":{"zh-Hans":"不是拨款，是政府背书的贷款担保：由 HKMC 保险为你向银行借的钱担保 8 成或 9 成，让银行敢批原本可能拒的贷款。8 成产品最高 HK$1,800 万、9 成产品最高 HK$800 万（合并上限 1,800 万）。经参与银行申请，审批仍看银行信贷判断。","zh-Hant":"不是撥款，是政府背書的貸款擔保：由 HKMC 保險為你向銀行借的錢擔保 8 成或 9 成，讓銀行敢批原本可能拒的貸款。8 成產品最高 HK$1,800 萬、9 成產品最高 HK$800 萬（合併上限 1,800 萬）。經參與銀行申請，審批仍看銀行信貸判斷。","en":"Not a grant but a government-backed loan guarantee: HKMC Insurance guarantees 80% or 90% of what you borrow from a bank, so the bank dares to approve a loan it might otherwise reject. The 80% product goes up to HK$18M and the 90% product up to HK$8M (combined cap HK$18M). You apply through a participating bank, and approval still rests on the bank's credit judgement."},"flow":null,"audience":["trade","services","tech","mainland"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-08","url":"https://bayhub.hk/funding/sfgs","data":"https://bayhub.hk/data/pages/funding-sfgs.json"},{"id":"funding-tsssu","type":"program","slug":"funding/tsssu","status":"active","title":{"zh-Hans":"TSSSU 大学科技初创资助","zh-Hant":"TSSSU 大學科技初創資助","en":"TSSSU university tech start-up funding"},"tldr":{"zh-Hans":"给六大 UGC 资助大学（城大 / 浸大 / 中大 / 理大 / 科大 / 港大）系团队的科技创业资助：每家初创每年最高 HK$150 万、最多 3 年。经所属大学的技术转移处申请、由大学转交创科署——不能直接申，且实报实销要垫资。","zh-Hant":"給六大 UGC 資助大學（城大 / 浸大 / 中大 / 理大 / 科大 / 港大）系團隊的科技創業資助：每家初創每年最高 HK$150 萬、最多 3 年。經所屬大學的技術轉移處申請、由大學轉交創科署——不能直接申，且實報實銷要墊資。","en":"Tech start-up funding for teams linked to the six UGC-funded universities (CityU / HKBU / CUHK / PolyU / HKUST / HKU): up to HK$1.5M per start-up per year, for up to 3 years. You apply through your university's technology transfer office, which forwards it to ITC — you can't apply directly, and reimbursement-on-actuals means you front the cash."},"flow":null,"audience":["tech"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-08","url":"https://bayhub.hk/funding/tsssu","data":"https://bayhub.hk/data/pages/funding-tsssu.json"},{"id":"market-overview","type":"dashboard","slug":"market","status":"active","title":{"zh-Hans":"市场纵览","zh-Hant":"市場縱覽","en":"Market overview"},"tldr":{"zh-Hans":"别把香港看成「只有金融」。服务业占 GDP 93.6%，但结构是分层的：金融保险 26.2%、公共 / 社会及个人服务 20.6%（含医疗教育）、贸易物流、地产专业服务撑起主体；建造 4.3%、运输 6.1%、海事航运 1.8% 仍在雇人做实体活，制造业虽仅 1.0%，而创新科技、虚拟资产 / 稳定币、教育是正在长起来的新前沿。本地消费市场规模有限、运营成本偏高，买家多为机构；除面向消费者（B2C）的业务外，机会更多集中在机构侧。香港是分层的门户，看清结构再对号入座。","zh-Hant":"別把香港看成「只有金融」。服務業佔 GDP 93.6%，但結構是分層的：金融保險 26.2%、公共 / 社會及個人服務 20.6%（含醫療教育）、貿易物流、地產專業服務撐起主體；建造 4.3%、運輸 6.1%、海事航運 1.8% 仍在僱人做實體活，製造業雖僅 1.0%，而創新科技、虛擬資產 / 穩定幣、教育是正在長起來的新前沿。本地消費市場規模有限、營運成本偏高，買家多為機構；除面向消費者（B2C）的業務外，機會更多集中在機構側。香港是分層的門戶，看清結構再對號入座。","en":"Don't read Hong Kong as 'finance only'. Services make up 93.6% of GDP, but the structure is layered: finance and insurance at 26.2%, public / social and personal services at 20.6% (including healthcare and education), plus trade, logistics, real estate and professional services carry the bulk; construction (4.3%), transport (6.1%) and maritime (1.8%) still employ people in physical work, and while manufacturing is just 1.0%, innovation and technology, virtual assets / stablecoins and education are the growing new frontiers. The local consumer market is limited in size and operating costs are high, and most buyers are institutions; apart from consumer-facing (B2C) business, opportunity is concentrated on the institutional side. Hong Kong is a layered gateway — read the structure, then find your place in it."},"flow":null,"audience":["trade","tech","consumer","services","finance","mainland"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-06","url":"https://bayhub.hk/market","data":"https://bayhub.hk/data/pages/market-overview.json"},{"id":"playbook-mainland","type":"playbook","slug":"guides/mainland-go-global","status":"active","title":{"zh-Hans":"内地企业出海（经香港）· 总纲","zh-Hant":"內地企業出海（經香港）· 總綱","en":"Mainland companies going global (via Hong Kong) · Master guide"},"tldr":{"zh-Hans":"内地企业经香港出海第一年的操作总纲：想清架构 → 设立 / 迁册香港主体 → 打通离岸人民币与跨境资金 → 合同把仲裁地设在香港 → 用香港做拓销跳板（BUD 报销）→ 落地对接（InvestHK / 前海河套）。这是总纲，给出门与顺序；科技 / 贸易 / 消费 / 专业服务 / 金融各分册在此之下按场景细化。","zh-Hant":"內地企業經香港出海第一年的操作總綱：想清架構 → 設立／遷冊香港主體 → 打通離岸人民幣與跨境資金 → 合同把仲裁地設在香港 → 用香港做拓銷跳板（BUD 報銷）→ 落地對接（InvestHK／前海河套）。這是總綱，給出門與順序；科技／貿易／消費／專業服務／金融各分冊在此之下按場景細化。","en":"The master playbook for a mainland company's first year of going global via Hong Kong: get the structure right → set up or re-domicile a Hong Kong entity → open up offshore RMB and cross-border funding → set the seat of arbitration in Hong Kong in your contracts → use Hong Kong as a springboard for market expansion (reimbursable under BUD) → land and connect (InvestHK / Qianhai and Hetao). This is the master guide, giving the doors and the order; the tech / trade / consumer / professional-services / finance volumes below drill into it scenario by scenario."},"flow":null,"audience":["mainland","trade","tech","finance","services"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-06","url":"https://bayhub.hk/guides/mainland-go-global","data":"https://bayhub.hk/data/pages/playbook-mainland.json"},{"id":"playbook-tech","type":"playbook","slug":"guides/tech","status":"active","title":{"zh-Hans":"落地香港第一年 · 科技创业者","zh-Hant":"落地香港第一年 · 科技創業者","en":"Your first year in Hong Kong · Tech founders"},"tldr":{"zh-Hans":"科技创业者落地香港第一年的操作清单：签证 → 注册与开户 → 拿钱 → 找机构客户 → 深港并行 → 进圈子。诚实预期：签证快、开户慢、拿钱 3–6 个月、卖货半年至一年半。第一年重心是融资+机构客户+圈子，不是本地零售。","zh-Hant":"科技創業者落地香港第一年的操作清單：簽證 → 註冊與開戶 → 拿錢 → 找機構客戶 → 深港並行 → 進圈子。誠實預期：簽證快、開戶慢、拿錢 3–6 個月、賣貨半年至一年半。第一年重心是融資＋機構客戶＋圈子，不是本地零售。","en":"The first-year checklist for a tech founder landing in Hong Kong: visa → incorporate and open an account → get funding → win institutional clients → run Shenzhen and Hong Kong in parallel → join the community. Honest expectations: visa fast, account-opening slow, funding 3–6 months, closing sales six months to a year and a half. The first year's focus is fundraising + institutional clients + community, not local retail."},"flow":null,"audience":["tech"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-02","url":"https://bayhub.hk/guides/tech","data":"https://bayhub.hk/data/pages/playbook-tech.json"},{"id":"playbook-trade","type":"playbook","slug":"guides/trade","status":"active","title":{"zh-Hans":"落地香港第一年 · 贸易与跨境电商","zh-Hant":"落地香港第一年 · 貿易與跨境電商","en":"Your first year in Hong Kong · Trade and cross-border e-commerce"},"tldr":{"zh-Hans":"做贸易 / 跨境电商落地香港第一年的操作清单：注册公司 → 商业登记 → 开对公户 → 拿钱（BUD）→ 报关出货 → 参展获客。诚实预期：注册快、开户慢（2 周–3 个月）、BUD 要实务门槛、报关系统正在切换。香港几乎不制造，你做的是把货过手增值 + 用香港做拓内地 / 海外的跳板。","zh-Hant":"做貿易／跨境電商落地香港第一年的操作清單：註冊公司 → 商業登記 → 開對公戶 → 拿錢（BUD）→ 報關出貨 → 參展獲客。誠實預期：註冊快、開戶慢（2 週–3 個月）、BUD 要實務門檻、報關系統正在切換。香港幾乎不製造，你做的是把貨過手增值 ＋ 用香港做拓內地／海外的跳板。","en":"The first-year checklist for landing in Hong Kong in trade / cross-border e-commerce: incorporate → business registration → open a corporate account → get funding (BUD) → clear customs and ship → exhibit to win customers. Honest expectations: incorporation is fast, account-opening slow (2 weeks–3 months), BUD has practical thresholds, and the customs declaration system is mid-switchover. Hong Kong barely manufactures — what you do is add value as goods pass through, and use Hong Kong as a springboard into the mainland / overseas."},"flow":null,"audience":["trade","mainland","consumer"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-06","url":"https://bayhub.hk/guides/trade","data":"https://bayhub.hk/data/pages/playbook-trade.json"},{"id":"risks","type":"directory","slug":"resources/risks","status":"active","title":{"zh-Hans":"避坑库：已停计划与常见陷阱","zh-Hant":"避坑庫：已停計劃與常見陷阱","en":"Pitfall library: discontinued schemes and common traps"},"tldr":{"zh-Hans":"全网都写「有什么」，很少人结构化写「什么已经没了、什么是坑」。这里集中列：已停 / 已变的政府计划（如科技券 TVP 已于 2024-12-31 停收）、「代办 / 包批」中介陷阱、开户空壳被拒、跨境资金与退税红线、以及官方门槛与实务门槛的落差。动手前先扫一遍。","zh-Hant":"全網都寫「有什麼」，很少人結構化寫「什麼已經沒了、什麼是坑」。這裡集中列：已停 / 已變的政府計劃（如科技券 TVP 已於 2024-12-31 停收）、「代辦 / 包批」中介陷阱、開戶空殼被拒、跨境資金與退稅紅線、以及官方門檻與實務門檻的落差。動手前先掃一遍。","en":"Everyone writes about what's available; few set out, in a structured way, what's already gone and what's a trap. This page gathers them: government schemes that have stopped or changed (e.g. the TVP closed to new applications on 2024-12-31), 'we'll handle it / guaranteed approval' agent traps, shell-company account rejections, cross-border capital and tax-rebate red lines, and the gap between official thresholds and what really works in practice. Scan it before you act."},"flow":null,"audience":["trade","tech","consumer","services","finance","mainland"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-02","url":"https://bayhub.hk/resources/risks","data":"https://bayhub.hk/data/pages/risks.json"},{"id":"sell-banks","type":"sellmap","slug":"practical/clients/banks","status":"active","title":{"zh-Hans":"把银行变成你的客户","zh-Hant":"把銀行變成你的客戶","en":"Turn banks into your customers"},"tldr":{"zh-Hans":"香港 176 家银行、全球百大 70+ 在港，是密度极高的机构买家池。把方案卖给银行有明确的几条门：开放 API、商业数据通 CDI、监管沙盒、GFT、银行加速器、供应商采购。但 POC≠合同、周期以半年至一年半计、采购合规是真门槛。","zh-Hant":"香港 176 家銀行、全球百大 70+ 在港，是密度極高的機構買家池。把方案賣給銀行有明確的幾條門：開放 API、商業數據通 CDI、監管沙盒、GFT、銀行加速器、供應商採購。但 POC≠合同、週期以半年至一年半計、採購合規是真門檻。","en":"With 176 banks in Hong Kong and 70+ of the world's top 100 present, it's an extremely dense pool of institutional buyers. There are several clear doors to selling to banks: Open API, the Commercial Data Interchange (CDI), the regulatory sandbox, GFT, bank accelerators, and vendor procurement. But a POC is not a contract, cycles run six months to a year and a half, and procurement compliance is a real barrier."},"flow":"money","audience":["tech","finance"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-02","url":"https://bayhub.hk/practical/clients/banks","data":"https://bayhub.hk/data/pages/sell-banks.json"},{"id":"sell-sandbox","type":"sellmap","slug":"practical/clients/sandbox","status":"active","title":{"zh-Hans":"用监管沙盒切入金融机构","zh-Hant":"用監管沙盒切入金融機構","en":"Break into financial institutions via the regulatory sandbox"},"tldr":{"zh-Hans":"香港三大金融监管机构（金管局 HKMA、证监会 SFC、保监局 IA）各设监管沙盒，并有单一入口互通：让你在受控环境用真实数据、带监管背书试点金融科技方案。但关键要认清——沙盒是测试制度，不是客户；它给你的是数据 + 背书 + 入口人，不是订单。","zh-Hant":"香港三大金融監管機構（金管局 HKMA、證監會 SFC、保監局 IA）各設監管沙盒，並有單一入口互通：讓你在受控環境用真實數據、帶監管背書試點金融科技方案。但關鍵要認清——沙盒是測試制度，不是客戶；它給你的是數據 + 背書 + 入口人，不是訂單。","en":"Hong Kong's three financial regulators (the HKMA, the SFC, and the IA) each run a regulatory sandbox, linked through a single point of entry: they let you pilot a fintech solution in a controlled environment with real data and a regulatory endorsement. But the key thing to recognize is that a sandbox is a testing regime, not a customer — it gives you data + an endorsement + a way in, not orders."},"flow":"money","audience":["tech","finance"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-02","url":"https://bayhub.hk/practical/clients/sandbox","data":"https://bayhub.hk/data/pages/sell-sandbox.json"},{"id":"setup-company","type":"program","slug":"practical/setup/company","status":"active","title":{"zh-Hans":"注册香港公司","zh-Hant":"註冊香港公司","en":"Incorporate a Hong Kong company"},"tldr":{"zh-Hans":"香港公司设立快而简：最少 1 名董事 + 1 名公司秘书 + 1 个本地注册地址，网上提交一般 1–7 天下证，同时领商业登记证（约 HK$2,200 / 年，政府不时调整）。难的不是注册，是注册之后——开户、股权架构、每年审计报税都要提前想清。","zh-Hant":"香港公司設立快而簡：最少 1 名董事 + 1 名公司秘書 + 1 個本地註冊地址，網上提交一般 1–7 天下證，同時領商業登記證（約 HK$2,200 / 年，政府不時調整）。難的不是註冊，是註冊之後——開戶、股權架構、每年審計報稅都要提前想清。","en":"Setting up a Hong Kong company is fast and simple: at least 1 director + 1 company secretary + 1 local registered address; online submission usually issues the certificate in 1–7 days, with the Business Registration Certificate obtained at the same time (about HK$2,200/year, adjusted by the government from time to time). The hard part isn't the registration — it's what comes after: opening a bank account, the shareholding structure, and the annual audit and tax filing all need to be thought through in advance."},"flow":"companies","audience":["trade","tech","consumer","services","finance","mainland"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-02","url":"https://bayhub.hk/practical/setup/company","data":"https://bayhub.hk/data/pages/setup-company.json"},{"id":"why-hk","type":"manifesto","slug":"why-hk","status":"active","title":{"zh-Hans":"为什么经香港出海","zh-Hant":"為什麼經香港出海","en":"Why go global via Hong Kong"},"tldr":{"zh-Hans":"出海不是找一个离岸壳，是给生意接上全球的货、钱、人、规则、企业五条通道。香港几乎不制造，它的价值是「过手增值」的枢纽：转口占出口约 99%、离岸人民币全球 70%+ 经此、内地资产可在此仲裁保全、拓展海外可拿政府配对资助（BUD 最高 700 万）。经香港出海，走的是一条有制度、有渠道、有资金、看得懂的路。","zh-Hant":"出海不是找一個離岸殼，是給生意接上全球的貨、錢、人、規則、企業五條通道。香港幾乎不製造，它的價值是「過手增值」的樞紐：轉口佔出口約 99%、離岸人民幣全球 70%+ 經此、內地資產可在此仲裁保全、拓展海外可拿政府配對資助（BUD 最高 700 萬）。經香港出海，走的是一條有制度、有渠道、有資金、看得懂的路。","en":"Going global isn't about finding an offshore shell — it's about connecting your business to five global channels: goods, money, people, rules and companies. Hong Kong barely manufactures; its value is as a value-adding transit hub: re-exports make up about 99% of exports, 70%+ of the world's offshore renminbi passes through, mainland assets can be secured here through arbitration interim relief, and expanding overseas can win government matching funding (BUD up to HK$7M). Going global via Hong Kong means taking a route with institutions, channels, capital, and rules you can read."},"flow":null,"audience":["mainland","trade","tech","consumer","services","finance"],"i18n":["zh-Hans","zh-Hant","en"],"verified":"2026-07-06","url":"https://bayhub.hk/why-hk","data":"https://bayhub.hk/data/pages/why-hk.json"}]}