加港救生艇計劃－稅務知識: MPF 點樣攞 幾時攞先至唔使交加拿大稅？

[@PierreLoYFunG]

睇完條片同youtube下面既comment 都好清楚RRSP 同MPF 之間要留意既事項

[@arlezbb6208]

根據Tax Treaty, article 17, Pensions, 香港既退休金係跟香港既稅制收取, 以下為原文。 "Pensions (including lump sums) arising in a Party and paid to a resident of the other Party in consideration of past employment may be taxed in the Party in which they arise and according to the laws of that Party."

[@offroadoffroad]

第十七條 退休金 在一方產生的、作為過往的受僱工作的代價而支付予另一方的居民的退休金(包括整筆付款)，可在該退休金產生所在的一方，按照該方的法律徵稅。

[@offroadoffroad]

根據這份加港稅務協定, 如果 MPF 產生一方是香港, 則香港有權向該人士收稅。加拿大是否可以再收就各有說法了。 這份協定應該是 Override CRA 一段稅務條例。

[@janetcheung683]

謝謝你們的影片分享。 想請教, 人在加拿大, 已經係稅務居民, 打算提取香港MPF, 但不想兌換為CAD及轉到加拿大RRSP戶口 (因為想以HKD保留及支付在香港的開支)。這樣可以嗎? 在加拿大稅上應該如何處理呢?

[@LiangWe]

唔好意思,有一點唔係好聽得明 13:59--14:23 65歲攞錢時報番當年的收入 係咩意思?

[@choimaggie2461]

應該係 當年度 從 MPF 有 多少金額 轉了 出來， 就會 變成了 當年度 的 收入， 所以， 其實 最好 是在 低收入 或是 冇收入 的 年度 轉出來 是 最為化算 的了。

[@peterhall6219]

好重要同有用既教學 好幫到hkgers感謝感謝

[@alw9970]

Great to know. Thanks CFSO 👍

[@gamechannel6064]

好有用既教學,最近啱啱提取左RRSP

[@junehung3309]

請問人壽保險可以如何處理?

[@CFSO]

Please consult a Canadian accountant for this.

[@junehung3309]

@@CFSO thank you for your reply.

[@edenyip]

謝謝家和資信! AMY 小姐跟之前CPA BEN 說的有點出入. BEN 說: 過來唸書, 只是FULL TIME RESIDENT, 未算稅務居民, 更應避免使用加拿大福利, 如:RRSP, 怕誤墮入稅務居民身份. 而MPF 未及時拿過來, 亦可有其他理由解釋, 如程序延誤, 或當時未有明顯移民意願. 現在AMY 小姐說的似乎是相反做法, 可否幫忙CLARIFY 一下, 萬分感激!

[@CFSO]

Amy Tong can be reached at [e-mail] Ben Leung can be reached at [e-mail]

[@cindyfung3951]

當時係來讀書！沒可能取到MPF的！

[@cindyfung3951]

救生艇A只係過來讀書！沒可能在香港取到MPF😢

[@yeungchihoi]

一向都係人人講得都唔同

[@vhung7123]

多謝資訊🙏🏻請問如果我將所有由MPF公司收到的錢轉去加拿大銀行，在入RRSP的限期前，我可否在銀行提取，之後再將提取了的金額存回。可以嗎？謝謝🙏🏻

[@nixoniu7939]

若在香港已提交提取款項，但入境加拿大後才完成取款過數，又是否要打稅？

[@CFSO]

It is ok if the delay is due your administrative process. No taxes. But it needs to be a matching amount, with proof skirting that have have applied for withdrawal before your departure. Please also see our video with accountant Ben Leung.

[@CFSO]

kzbin.info/www/bejne/hovViaaLfr9qbKc

[@CFSO]

kzbin.info/www/bejne/aHmkm6aiqKaNidk

[@CFSO]

kzbin.info/www/bejne/b3jLmoywZdClh68

[@maykam7151]

如我提取MPF之後，但錢不拿去加拿大，而用作償還之前借香港學支處的貸款，這樣要不要打稅？

[@CFSO]

Please contact an accounting professional for that.

[@funlo8627]

係囉，如果少少mpf,攞到就用咗，咁報唔報稅呢？

[@mimiluk7204]

家和主事人你好，感謝你哋為香港人熱心的服務🙏本人多年前已入籍加拿大但也回流香港10幾年了，計劃三年後再回加拿大定居，當中很多稅務問題不知如何處理，希望能得到貴機構轉介專業會計師幫忙。我在今年11月頭會到多倫多探親，不知能否到貴機構約談此事？期盼回覆，謝謝🙏

[@CFSO]

Our agency does not have accounting services. Please consult a Canadian CPA.

[@mimiluk7204]

謝謝回覆，我知道貴機構沒有會計師服務，我只係希望貴機構介紹可信賴的會計師給我。謝謝🙏

[@CFSO]

@@mimiluk7204 The accountant who is the guest speaker of most of our taxation videos is Ben Leung and can be reached at Ben Leung [e-mail]. He is Canadian CPA and charges CPA level fees.

[@Cheesecake662]

o.... I don't know it must be a matching amount, so I gradually converted my MPF into CAD, and hoped to transfer at once later into RRSP...now what can I do...

[@CFSO]

Suggest you talk to a professional about this. CFSO is not an accounting agency.

[@zendatang8927]

Thanks for sharing ! May I have the contacts of Amy for proper consultations on accounting & taxation advice personally & directly on the similar issues pls ? Big thank indeed ! God blessed ! ❤

[@CFSO]

Amy Tong can be reached at [e-mail] Ben Leung can be reached at [e-mail]

[@zendatang8927]

Noted with thanks on ur kind reply ! Blessed ! 🙏❤️

[@esonyuen9398]

你好 請問如何解讀香港 加拿大稅務雙邊條約第17條 在一方產生的、作為過往的受僱工作的代價而支付予另一方的居民的退休金(包括整筆付款)，可在該退休金產生所在的一方，按照該方的法律徵稅。

[@CFSO]

Sorry, CFSO cannot answer these questions because we are not accounting or financial consultants. Please consult your own professionals.

[@Cutebaby-h2r]

香港的公積金提取是否與MPF限制相同？

[@108pyc]

片內你哋所指入境前MPF如果已經領取了便不用交稅，但"入境前"係指成為PR前，還是入境讀書也當作為入境﹖

[@CFSO]

Amy Tong can be reached at [e-mail] Ben Leung can be reached at [e-mail]

[@JL-oi8di]

@@CFSO 唔明

[@ericcheung1002]

例如現在已land, 但仍未提取MPF, 若5年後才提取，可否在該年度轉去RSP? 有沒有限期去提取MPF?

[@CFSO]

Please consult a Canadian accountant for this.

[@jessiewu5131]

你好，請問如果2021年持work permit 入境，工作1年後於2023年得到PR身份，才能在香港申請提領MPF，並於2024年2月底前roll入RRSP 户口，請問該筆款項是否沒有contribution limit and not count as income?

[@CFSO]

Please find Amy's address on this thread and contact her directly for this.

[@wingchan7a]

newcomer 第一年是否不須要申報海外MPF及PF, 避免向加拿大交稅?

[@CFSO]

I believe your video and the playlist answer your question.

[@andytsang2847]

你好，請問如果我MPF唔夠100,000加幣是否可當海外資產遲啲搞都得？thx

[@CFSO]

no

[@Lifen125]

請問如果是用inland spouse sponsorship 申請, 未入境前如果可以照啟動左MPF 提取手續，但之後inland sponsorship取得身份後先補交PR文件俾香港。由於提取手續已在離境前啟動，只是錢要到香港收到PR文件後至批錢，甘既情況可以有機會豁免嗎？

[@billytsang0618]

同問

[@CFSO]

Amy Tong can be reached at [e-mail] Ben Leung can be reached at [e-mail]

[@kfchan0316]

The video is very useful and clear for explanation! May I have the contact of Amy?

[@CFSO]

Investment Consultant Amy Tong can be reached at [e-mail] CPA Ben Leung can be reached at [e-mail]

[@kfchan0316]

@@CFSO thank you🙏

[@赛杰森]

感謝Anna 用心安排 & Amy清晰講解 請問提取MPF後是港元如何對應及證明相同金額入RRSP？要自己兑換CAD？

[@CFSO]

The bank transaction record suffices.

[@homewest5234]

Hk is delaying withdrawal of ORSO to 8 weeks then split the portion into MPF which takes another 4 weeks If I submit all my applications for withdrawal but it dragged before I land canada. So I get the actual cash out after Iand caanda. Will this classify as cash I own (but waiting deposit) or will be classify as income tax. Thx as my orso is too big and my company offer internal transfer to canada

[@CFSO]

Amy Tong can be reached at [e-mail] Ben Leung can be reached at [e-mail]

[@莊思妙]

多謝分享 如果係個人積蓄 因未有加拿大銀行戶口 要入境後申請到戶口才可以電匯 是否又要打稅呢？

[@kkk2323111]

三間銀行有香港分行，可先email開戶，BMO 為例開戶約一星期搞掂，落地到銀行處理即時用得

[@莊思妙]

謝過 我都睇過 但係要落左地先activate 到時再係香港戶口電匯 會否被打稅？ 入境後就會成為稅務居民？ 還是有豁免期？

[@CFSO]

@@莊思妙 For MPF, you need to have applied for withdrawal before you leave HK. If it is NOT MPF, you are deemed tax resident if you are a WP or SP holder. Regular tax rules apply.

[@莊思妙]

@@CFSO do you mean I need to wire all my saving at once to Canada bank before I leave ?

[@amytong2869]

個人積蓄不用計稅

[@davidpoon259]

請問行stream B，喺攞PR之前可以取回MPF? 手續如何？

[@CFSO]

Please do your own research on the process.

[@katiewoo3152]

請問點解要系二月前做到rrsp 嘅？加拿大稅季是二月嗎？

[@CFSO]

Tax year is calendar year. Our government gives you till February so you have more time.

[@tracylam3342]

如果暫時唔打算拎MPF嘅話，需唔需要同加拿大政府申報mpf戶口 有幾多錢？假如入籍後要拎MPF拎錢嘅話，到時候申報有啲咩後果？要要唔要交額外更多嘅稅款

[@CFSO]

Amy Tong can be reached at [e-mail] Ben Leung can be reached at [e-mail]

[@438700]

感謝資訊, 除咗MPF外, 我有另一個問題, 我幫我仔(依家15歲, 本身已經有加藉)買咗份教育儲蓄保險, 原本打算18歲先比佢攞, 但依家因為回流, 我想問問, 如果佢18歲先提款, 到時會唔會要全部當收入抽稅?

[@CFSO]

Sorry, CFSO cannot answer these questions because we are not accounting or financial consultants. Please consult your own professionals.

[@438700]

@@CFSO okay,唔該哂！

[@AC-ry1hp]

你好，想請教下，救生艇計劃2026年截止申請時，須符合PR資格。即係等於係2026前，用OWP到加拿大工作滿 1 年，並申請了PR，就算係趕及計劃安排嗎？🙏

[@CFSO]

Correct. You need to have completed all PR requirements and English exam, AND submitted PR application before 2026.08.31.

[@tongkaifu]

Can RRSP invest in US stocks like AAPL, TSLA?

[@CFSO]

Sorry, CFSO cannot answer these questions because we are not accounting or financial consultants. Please consult your own professionals.

[@KA-wu8wh]

想問吓如果等香港65歲先攞錢出嚟，去到加拿大報稅係要一筆過一齊報定係分開每年報稅？

[@CFSO]

Taxed as income in the year based on the amount you withdraw.

[@bettinawong3039]

Video 中提及要2 月前放入rrsp, 意思時收到香港mpf 後一定時間內必須要變成rrsp 才合資格，否則就變成當年收入？ 那「一定時間內」的duration 是多久？

[@bettinawong3039]

定係，一定要係攞到mpf 嘅日期same financial year 內要轉成rrsp? 比較多問題，先謝解答

[@CFSO]

@@bettinawong3039 calendar year

[@CFSO]

Same calendar year. Tax year is calendar

[@suyanchan6664]

想請問如果我3月先拎到MPF，係咪下年2月前要入落RRSP先可以免稅？

[@Newtonchan]

假如我太太經stream A 取得全家pr 之後佢留加工作，我就做多年多兩年先過嚟團聚，那我既mpf /公積金又點攞先ok 呢？

[@CFSO]

Sorry, CFSO cannot answer these questions because we are not accounting or financial consultants. Please consult your own professionals.

[@cristianohonam]

若將入境加拿大前獲得的個人積蓄在入境後才電匯到加拿大，會否當作該年年收入？

[@CFSO]

Amy Tong can be reached at [e-mail] Ben Leung can be reached at [e-mail]

[@karentsang6151]

請問你知道答案嗎？

[@davidpoon259]

請問點解係2月前？

[@CFSO]

You have 60 days after the end of the year to make your RRSP contribution for the previous year. And tax year is calendar year

[@vincentcheng735]

@@CFSO 即是假如我係2022年6月收到MPF份錢 (人已入境加拿大) ， 都只可以等到2023年1月1號至2月28號期間， 才可以放錢落去RRSP戶口。 有理解錯嗎？

[@choimaggie2461]

@@vincentcheng735 應該係 盡快 轉入 RRSP 戶口， 即是 最好在 2022 年 已經 轉入了 。

[@sheepbinmusic]

請問會唔會有amy contact? 現時申請緊拎mpf預計下月拎到

[@CFSO]

[e-mail]

[@sheepbinmusic]

@@CFSO thanks!

[@CFSO]

Amy Tong can be reached at [e-mail] Ben Leung can be reached at [e-mail]

[@jerrywong7539]

可以提供Amy 的聯絡方法嗎。

[@CFSO]

Amy Tong can be reached at [e-mail] Ben Leung can be reached at [e-mail]

[@pinglee5659]

其實我覺得如果將香港D錢全部帶過來,當你一兩年後發覺加拿大唔適合我,要再回流返香港,到時rrsp提取,咪要打稅囉？點解唔暫時放於香港,等幾年後,一切安定後才決定？

[@CFSO]

That depends on how much you trust the govt. They may change it to 年金， or add other restrictions to make it harder to withdraw.

[@highspeeddream3980]

I trust HK government more than Canadian government, because control by bad politicians

[@lerbychan231]

聽到你們內容想多些了解，到加拿大讀書入境也要提取MPF先？還是申請PR先提取MPF? 還有想問下香港保險有投資組合，是否申請PR之前要取消保險單？

[@CFSO]

Your needs to be cashed and coming with you rip Canada even if you are now working or studying, but plan to stay in Canada. You are a tax resident just being a worker or a student.

[@CFSO]

Sorry, CFSO cannot answer these questions on investment because we are not accounting or financial consultants. Please consult your own professionals.

[@wayschannel2022]

多謝資訊。 我想問，我申請咗OWP，如果我想拎mpf來加拿大做日常生活洗費，但香港積金局好似一定要申請人有加拿大工作證明and加拿大住址證明，先至可以准許提取，之但係我唔onboard加拿大，又好難揾到工，咁咪即係一定要打稅？🤔

[@CFSO]

We are not familiar with the requirements of different MPF companies, but most of the time, people are able to get it with an OWP.

[@莊思妙]

一樣處境 唯有擺落rrsp

[@wayschannel2022]

@@莊思妙 本來想拎mpf錢出嚟做洗費，睇嚟成為泡影了🤦‍♂️

[@莊思妙]

唯有盡快搵工 拎到證明申請

[@vickikwok5134]

最緊要有Owp and當地住址證明就ok，唔洗employment letter，我有fd專攪MPF，你有需要可以搵佢

[@qqpp3614]

請問如果去到加拿大之後如果有海外物業遺產要繼承，如何可以合法減少稅收？

[@CFSO]

Sorry, we cannot answer these questions because we are not accounting or financial consultants. Please consult your own professionals.

[@CFSO]

Sorry, CFSO cannot answer these questions because we are not accounting or financial consultants. Please consult your own professionals.

[@ericykn2000]

can i have the contact of Amy that I could ask for her consultation?

[@CFSO]

[e-mail]

[@CFSO]

Amy Tong can be reached at [e-mail] Ben Leung can be reached at [e-mail]

[@PaulKeeWong]

如果唔等錢洗，由得佢擺係MPF度，到65歲時先攞，重點係攞出來就要限時間2月前處理佢嘛？

[@CFSO]

Amy Tong can be reached at [e-mail] Ben Leung can be reached at [e-mail]

[@TN-xk8rl]

請問係一入境就當我係稅務居民，定係累計在加拿大居住183天以上才算係稅務居民而先至要扣除MPF直接提取過黎既稅？Thanks!

[@CFSO]

With a WP or an SP, and your intention to work or study, your are already a tax resident, not after 183 days, and leaving just before 183 days does not help. It is about the nature of your stay.

[@niqcheung]

年滿65歲喺香港攞強積金出嚟咁使唔使打稅？

[@CFSO]

Amy Tong can be reached at [e-mail] Ben Leung can be reached at [e-mail]

[@jenniferleung1278]

如果仍留在HK bank/ 網上平台的股票? Canada 追蹤到?

[@PaulKeeWong]

其實唔係追唔追到問題，係佢真係要Check你，你Proof唔到啲錢點來，佢就真係開File每年都追你所有嘅數。