What Participants Say
Accounts from the people who have been through the courses.
These reviews come from Hong Kong residents who completed one or more Ink Well programmes. They reflect a range of starting points, debt situations, and outcomes — which is typical of any cohort.
Back to Home900+
Course participants
4.7/5
Average rating
93%
Would recommend
8
Years running
Participant Reviews
In their own words
Lily Kwok
Tsim Sha Tsui · April 2025
The Debt Review course was the first time I had actually sat down and listed everything out in a structured way. I thought I had a reasonable handle on it, but the inventory exercise in week one showed me I had underestimated my total position by quite a margin. That clarity alone was worth the four weeks.
Debt Review · 4-Week Course
Henry Cheung
North Point · March 2025
I came to the Mortgage Strategy course with a fairly basic question — should I switch from my H-rate mortgage before rates move further? The course helped me realise the question I should have been asking was more complicated than that. I left with a clearer framework for thinking it through rather than a simple yes or no, which in hindsight is more useful.
Mortgage Strategy · 6-Week Course
Michelle Wong
Sham Shui Po · February 2025
The Full Programme was ten weeks well spent. My husband and I were both enrolled and we did the worksheets together each week. By week eight we had a written plan that actually addressed our specific situation — two mortgages, credit card debt that had accumulated without much attention, and an MPF that had been neglected. The written plan gave us something concrete to act on.
Full Programme · 10-Week Course
Andrew Tam
Tai Koo · January 2025
I have attended a few financial seminars over the years and they almost always end with someone trying to sell you something. Ink Well does not work that way, and that matters. The sessions were honest about the fact that there is no single right answer to most of these questions. I appreciated being treated as someone capable of making my own decisions once properly informed.
Debt Review · 4-Week Course
Rebecca Lau
Happy Valley · March 2025
The mortgage module on refinancing was the most directly useful thing I have encountered in financial education. David explained how banks actually evaluate a refinancing application at this stage of life — which is not what the bank's own website tells you. That kind of inside knowledge is exactly why you take a course rather than read online.
Mortgage Strategy · 6-Week Course
James Ma
Mong Kok · April 2025
I enrolled in the Full Programme after a friend recommended it, initially thinking ten weeks was a long commitment. By week three I was glad I had signed up for the full course rather than the shorter one. The retirement integration sections in weeks seven through nine genuinely changed how I was thinking about the relationship between my mortgage and my MPF balance.
Full Programme · 10-Week Course
Case Studies
Three participant journeys in detail
From scattered obligations to a clear sequence
Debt Review Programme · Female participant, 51, Kowloon Tong
Starting point
Three credit card accounts with different rates, a personal loan taken out for renovation, and a mortgage with 11 years remaining. She had been making minimum payments across all accounts without a clear sense of the total interest cost or the most logical order for addressing each.
Course outcome
Completed a full inventory showing total outstanding debt at HKD 1.24 million across all obligations. Applied the priority framework to establish a clear repayment sequence — credit card highest-rate first, then personal loan, with mortgage structured separately. Identified a monthly saving of HKD 3,200 available for accelerated repayment.
12 months later
Credit card balances eliminated. Personal loan reduced by 40%. Participant returned to enrol in the Full Programme to address the mortgage and retirement integration questions that arose from the first course.
Rethinking the H-rate mortgage before refinancing
Mortgage Strategy Programme · Male participant, 48, Wan Chai
Starting point
H+1.3% mortgage on a flat in Wan Chai, 17 years remaining, HKD 4.2 million outstanding. Had received refinancing offers and was considering switching, but was uncertain whether the timing made sense given the interest rate environment and his retirement timeline.
Course outcome
Developed a framework for evaluating the refinancing offer against his actual planned retirement date. Concluded that switching at current rates would extend the effective cost period in a way that was unfavourable given his specific timeline. Chose to hold the current arrangement and applied the course's prepayment analysis to model a structured overpayment instead.
Outcome
Made the decision not to refinance — which, in retrospect, proved to be the right call given subsequent rate movements. Began structured overpayments of HKD 8,000 per month and reduced effective remaining term by 3 years.
Building the written plan from scratch
Full Programme · Couple, 53 and 50, Sai Kung
Starting point
Mortgage with 14 years remaining, no credit card debt, but a gap in MPF planning and no clear picture of how the mortgage payment would interact with retirement income once both stopped working. No written plan of any kind.
Course outcome
Produced a written debt plan addressing the mortgage settlement question, documenting both the case for full settlement before retirement and the case for carrying it into retirement given the manageable payment relative to expected drawdown. Made a clear decision and documented the reasoning in the plan.
What they said
The written plan was something we had never had before. Not a spreadsheet with numbers — an actual document that explained our thinking. We have updated it twice since the course ended and it is still the most useful financial document we own.
Reach us directly
Phone
+852 2473 8596Address
7/F, Eton Tower, 8 Hysan Avenue, Causeway Bay
Office Hours
Mon–Fri 9:00–18:00
Sat 10:00–14:00
HKMA Listed Provider
Included in HKMA 2024 pre-retirement financial literacy resources.
HKIB-Aligned Curriculum
Content standards reviewed against HKIB education criteria annually.
No Product Sales
No commissions, referrals, or product recommendations — ever.
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