Our Solutions
Three courses.
One direction.
Each programme addresses a different depth of need — from an initial structured debt review through to comprehensive pre-retirement planning that integrates debt, mortgage, and retirement drawdown into a single written plan.
Back to HomeOur Methodology
How the courses are built
Each Ink Well programme follows the same structural principle: participants arrive with their own situation and leave with a clearer picture of it, alongside a framework for decision-making that will remain useful long after the course ends.
The methodology is cumulative. Early modules establish vocabulary and build a complete debt inventory. Later modules introduce the analytical tools needed to make decisions — about prepayment timing, refinancing trade-offs, sequenced elimination, and the retirement interaction. Nothing is front-loaded.
Worksheets accompany each session and are designed to be completed with real figures from each participant's own balance sheet. The course content has meaning for someone carrying HKD 3 million in mortgage debt and HKD 80,000 in credit card obligations, not for a hypothetical average borrower.
The Full Programme culminates in a written debt plan — a document built over ten weeks that the participant owns completely and can update as circumstances change.
Debt Review for the Pre-Retirement Decade
A four-week course for Hong Kong residents in their 40s and 50s who want to review all forms of debt currently held — mortgages, credit cards, personal loans — with a view to the years leading into retirement. The course covers how to create a full debt inventory, the question of priority between different obligations, and the interaction between debt payment and continued saving. It is grounded, not prescriptive.
Key benefits
- Participants complete a full, structured debt inventory
- Understand how to sequence obligations by type and urgency
- Clarity on how debt repayment affects retirement savings capacity
- Framework for ongoing self-review beyond the course
Course structure
Complete debt inventory — all obligation types, rates, remaining terms
Priority framework — which obligations to address first and why
Debt and savings interaction — modelling the trade-off
Building a personal review habit — maintaining the picture over time
HKD 1,580
Enquire NowMortgage Strategy for Midlife Borrowers
A six-week programme for those who hold residential mortgage debt and want to think carefully about structure and timing. Modules cover the difference between P-based and H-based mortgage arrangements in Hong Kong, the practical considerations of refinancing in midlife, prepayment decisions against the backdrop of overall liquidity, and the long question of whether to carry a mortgage into retirement or prioritise settlement before stopping work.
Key benefits
- Detailed understanding of Hong Kong mortgage rate structures
- Ability to evaluate refinancing options with real numbers
- Framework for prepayment vs. liquidity decision-making
- Considered position on carrying mortgage into retirement
Course structure
P-rate vs H-rate — mechanics, history, current market conditions
Refinancing in midlife — costs, benefits, timing considerations
Prepayment analysis — when it makes sense and when it does not
Liquidity considerations — maintaining flexibility alongside repayment
Mortgage to retirement — the full-settlement question examined
Building a mortgage position — documenting the participant's view
HKD 2,380
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Full Pre-Retirement Debt Strategy Programme
A ten-week programme that brings together debt review, mortgage strategy, and the full integration with retirement planning. Modules cover sequenced debt elimination across different obligation types, the impact of debt servicing on retirement drawdown, the question of useful versus burdensome debt in later life, and the practical matter of leaving simpler balance sheets for the next generation to manage if the need arises. Each participant builds a written debt plan.
Key benefits
- Complete integration of debt review and mortgage strategy
- Full understanding of debt's impact on retirement drawdown
- Personal written debt plan produced during the course
- Estate simplification perspective for long-term planning
- Post-course plan review access for 12 months
The Full Programme is the only course that produces a written debt plan. Participants leave with a document they have built over ten weeks using their own financial position — not a template.
HKD 3,080
Enquire NowComparison
Choosing the right course
If you are unsure which programme fits your situation, this comparison may help. All courses are suitable for residents with no prior financial training.
| Feature | Debt Review 4 wks · HKD 1,580 |
Mortgage Strategy 6 wks · HKD 2,380 |
Full Programme 10 wks · HKD 3,080 |
|---|---|---|---|
| Debt inventory framework | |||
| Priority and sequencing methods | |||
| HK mortgage rate structures | |||
| Refinancing analysis | |||
| Retirement drawdown integration | |||
| Written debt plan produced | |||
| Best suited for | Starting point, broad debt picture | Primarily mortgage holders | Comprehensive planning |
Standards
Professional standards shared across all courses
Privacy and confidentiality
Financial details disclosed in session remain fully confidential. No participant data passes to financial institutions or marketing parties.
Quality assurance
Participant feedback is collected after each cohort and used to inform session content and facilitation in subsequent runs. The curriculum is reviewed annually.
HKIB-aligned content
All technical mortgage and debt content is developed in alignment with Hong Kong Institute of Bankers' standards for financial education.
No product referrals
No fees, commissions, or referral arrangements exist with any bank, lender, or financial product provider. Educational independence is absolute.
Cohort cap — 12 participants
Every course is capped at twelve participants. This is a firm limit in service of discussion quality, not a soft guideline that gets relaxed to fill cohorts.
Materials access — 12 months
All course materials and worksheets remain accessible to enrolled participants for twelve months following course completion.
Not sure which course fits your situation?
We are happy to discuss your circumstances and help you decide. Send us a message with a brief description of your situation and we will suggest the appropriate starting point.
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