Starter Cash Trust
HK$160,000
Minimum · ≈ US$20,000
One-time setup feeHK$3,000
Annual administration feeHK$1,500 / yr (fixed)
Free distributions1 / year
Eligible asset typesCash only
Litigation & bankruptcy shielding—
Most Popular
Premium Growth Trust
HK$400,000
Minimum · ≈ US$50,000
One-time setup feeHK$8,000
Annual administration feeHK$5,000 / yr
Free distributions4 per year
Eligible asset typesCash & multi-currency time deposits
Litigation & bankruptcy shieldingMedium shield
Bespoke Family Trust
HK$8,000,000
Minimum · ≈ US$1,000,000
One-time setup feeFrom HK$88,000
Annual administration fee0.5%–0.8% AUA
Free distributionsUnlimited
Eligible asset typesSPV, property, equity & more
Litigation & bankruptcy shieldingHigh shield
| Feature | Starter Cash Trust | Premium Growth Trust | Bespoke Family Trust |
|---|---|---|---|
| Minimum initial amount | HK$160,000 (approx. US$20,000) | HK$400,000 (approx. US$50,000) | HK$8,000,000 (approx. US$1,000,000) |
| One-time setup fee | HK$3,000 | HK$8,000 | From HK$88,000 |
| Offshore SPV incorporation | Included (first-year BVI/Cayman registration & agent fees) | ||
| Annual administration fee | HK$1,500 / yr (fixed) | HK$5,000 / yr | 0.5%–0.8% of AUA / yr |
| Offshore company annual renewal | HK$20,000 / yr | ||
| CRS / FATCA reporting | Included | Included | Included |
| Interest & yield distribution | No interest distribution | Negotiated interest sharing | Per external private-bank / portfolio performance |
| Eligible asset types | Cash only (pooled trust account) | Cash & multi-currency time deposits | Offshore SPV shares, global private banking, property & equity |
| Legal structure | Standard master-sub trust | Standard modular trust deed | Standalone offshore trust + BVI/Cayman SPV structure |
| Investment control | Limited — managed by external licensed advisor | Limited — client directs as SPV director | |
| Free distributions | 1 per year (or one-off wind-up) | 4 per year | Unlimited (on demand) |
| Extra distribution fee | HK$500 each | HK$200 each | Included |
| Letter of wishes support | Time-based — time capsule & annual scheduled payouts | Multi-stage — age milestones, multi-beneficiary splits | Fully bespoke conditions drafted by counsel |
| Litigation & bankruptcy shielding | Early return to backup beneficiary on death / disability | Medium — discretionary trust + spendthrift clause | High — offshore legal firewall |
| Mid-term deed amendments | HK$2,500 per amendment | Included (first 3 free) | |
| Insurance policy attachment | Add-on — HK$5,000 per policy | Included, unlimited policies | |
| Cross-border tax & residency planning | Included — tax structuring & first HK residency application | ||
| Forced liquidation threshold | HK$10,000 | HK$30,000 | None (minimum annual fee applies) |
How are setup and annual fees calculated?
Starter Cash Trust: HK$3,000 setup with a fixed HK$1,500 annual fee. Premium Growth Trust: HK$8,000 setup with a HK$5,000 annual fee. Bespoke Family Trust: setup from HK$88,000 with an annual fee of 0.5%–0.8% of assets under administration, inclusive of offshore company renewals and CRS/FATCA reporting.
Can I upgrade my plan later?
Yes. As your assets and family needs grow, you can move from the Starter Cash Trust to the Premium Growth or Bespoke Family Trust, with existing trust assets transferred seamlessly. Contact our trust team to arrange it.
Not sure which plan is right?
Our trust advisors can help you choose based on your goals, family structure, and investment preferences.
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