Hong Kong Domestic Helper Costs 2025: Complete Guide to Total & Hidden Expenses

Many families in Hong Kong hire foreign domestic helpers to take care of children, elderly family members, or help with housework due to busy work schedules. One of the most common questions from first-time employers is:
“How much does it cost to hire a helper? Are there any hidden expenses?”

Today we will talk about a clear breakdown of the latest 2025 salary, fees and important cost items, so employers can prepare better.

1. 2025 Minimum Allowable Wage (MAW)

According to the Hong Kong Government’s announcement on 29 September 2025, the minimum monthly wage for domestic helpers is HK$5,100.

The new wage applies to all contracts signed on or after 30 September 2025.

Meal allowance remains at HK$1,236 per month, if the employer does not provide meals.

In short:

• Minimum monthly salary: HK$5,100

• Meals provided: No meal allowance required

• Meals NOT provided: Add HK$1,236/month

2. Agency Fees (HK$7,000 – HK$20,000+)

Agency fees vary widely depending on the service package. Factors include:

• Whether the package includes the helper’s one-way air ticket to Hong Kong

• Medical check-up fees

• Document handling and visa application

• Replacement guarantee or after-sales support

• Helper’s country of origin (e.g., Philippines or Indonesia)

Employers should confirm clearly:

• Does the fee include the air ticket?

• Are medical checks included?

• Any extra charges?

• Is the visa fee included?

3. Domestic Helper Insurance (Mandatory)

Employers must purchase basic employees’ compensation insurance by law. Most employers choose comprehensive helper insurance, which usually includes:

• Outpatient and inpatient medical coverage

• Dental

• Third-party liability

• Personal accident

• Temporary service interruption allowance (not offered by all insurers)

Typical annual cost: HK$500 – HK$1,400.

4. Transportation Costs

During work duties, transportation expenses must be paid by the employer. Examples: grocery shopping, escorting children to school, medical appointments. Transportation on rest days depends on each employer’s arrangement.

5. Accommodation & Basic Living Setup

Helpers must have their own sleeping space. Some families may need to buy:

• Bed / mattress

• Wardrobe

• Curtains or partitions

• Small electrical appliances

Estimated cost: HK$1,000 – HK$6,000+

6. Medical Expenses

If the helper becomes sick or injured, employers must arrange medical care.

Typical costs:

• Private clinic: HK$250 – HK$500 per visit

• Dental: HK$300 – HK$800 per visit

• Specialist or emergency care: higher costs

Comprehensive helper insurance may reimburse part of the expenses.

7. Costs in Case of Contract Termination or Replacement

If the helper:

• Is not suitable

• Cannot adapt

• Needs to terminate the contract

Employers may face extra expenses such as:

• New agency fee

• Return air ticket

• Payment in lieu of notice

• Repatriation costs (depending on the case)

8. Financial Issues: A Hidden Risk Many Employers Overlook

In recent years, helper debt problems have become more common due to:

• Family needs

• High-interest loans

• Being pressured to borrow or scams

Financial stress may affect the helper’s performance or emotional state, and in serious cases may lead to disappearance or absconding. Some insurance plans provide trial-period coverage, reimbursing part of the replacement cost, which can reduce employer risk.

Summary

Hiring a helper involves more than just paying monthly salary

Minimum basic cost:

• Salary: HK$5,100/month

• Meal allowance (if not providing meals): + HK$1,236/month

Plus additional expenses such as:

• Agency fees

• Insurance

• Transportation

• Accommodation setup

• Medical care

• Daily necessities

Most employers should expect HK$80,000 – HK$110,000 for the first year.

Besides budgeting, employers should also pay attention to the helper’s emotional and physical well-being, and provide reasonable support. With proper planning and suitable insurance, employers can enjoy a smoother and safer hiring experience.

Related Product:

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The information provided in this article is for general reference only and should not be considered as any form of advice. Our company assumes no responsibility for its use