The Fujian Scheme under the Social Security Allowance Scheme is to provide Old Age Allowance, on a monthly basis, for eligible Hong Kong elderly people aged 65 or above who choose to reside in Fujian, to meet their special needs arising from old age. The rate of Old Age Allowance is HK$1,385 per month effective from 1 February 2019.
During receipt of allowance, a Fujian Scheme recipient will be entitled to a full year allowance if he/she satisfies the minimum residence period of 60 days in Fujian in a payment year.
The Fujian Scheme has largely the same eligibility criteria as Old Age Allowance in Hong Kong. A person is eligible for allowance under the Fujian Scheme, if he/she:
satisfies the following residence requirements:
must have been a Hong Kong resident for at least seven years; and
must have resided in Hong Kong continuously for at least one year immediately before the date of application (absence from Hong Kong up to a maximum of 56 days during the one-year period is treated as residence in Hong Kong);
- continues to reside in Fujian during receipt of allowance;
- is not being detained in legal custody or admitted to a penal institution;
- surrenders his/her public rental unit or delete his/her name from the tenancy if he/she is an authorized public housing tenant.
Persons whose presence in Hong Kong is unlawful or persons who are permitted to stay in Hong Kong for a purpose other than residence (for example, imported workers or visitors) are excluded from the Scheme.
In determining whether an applicant has resided in Hong Kong continuously for at least one year immediately before the date of application, consideration can be given to disregarding absences arising from paid work outside Hong Kong during the one-year period, subject to there being sufficient documentary proof. Where an applicant has been absent from Hong Kong for more than 56 days during the one-year period because of the need to receive medical treatment outside Hong Kong, the Director of Social Welfare can consider exercising his discretion to disregard the absences exceeding the 56-day limit, subject to the reason for and evidence of receiving medical treatment outside Hong Kong being established.
- Absence from Hong Kong means leaving Hong Kong for the Mainland, Macao or overseas countries/territories.
- The "income and asset limits" (applicable to applicants aged 65 to 69 of Fujian Scheme only) are：
Single person Married couple Total income per month
(with effect from 1 February 2019)
$7,970 $13,050 Total asset value
(with effect from 1 February 2019)
"Income" includes wages from employment; income from handiwork, business, etc. (including salaries, wages, monthly commissions or bonuses received, and monthly income from self-employment); retirement benefits/pensions; net income on rentals collected; and payout from the annuity scheme(s)(1). Contributions from family members, relatives or friends, and monthly payments received under reverse mortgage schemes are excluded, but any unspent and accumulated amount of savings/cash in hand generated will be treated as "assets".
"Assets" (2) include land and non-owner occupied properties (3), cash in hand; bank savings; investments in stocks and shares (including bonds, trust fund and accrued retirement benefits (4)), vehicle for investment (e.g. taxi and public light bus) and its business licence; and gold bars and gold coins, etc. Owner occupied property, columbarium niche for self-use in future, and the cash value of insurance schemes are excluded.
Annuity Schemes include "HKMC Annuity Plan" launched by HKMC Annuity Limited and other annuity schemes in the market. The payout under the annuity scheme(s) provided on a regular basis (normally on a monthly basis) is counted as income. If the regular payout is provided on quarterly, half-yearly or yearly basis, it will be apportioned according to the number of months covered as the monthly income. However, the pre-surrender value of the annuity scheme(s) will be disregarded under the asset test. If the applicant or his/her spouse (if applicable) surrenders the annuity scheme(s), the surrender value (if any) will be counted as assets.
Including those in Hong Kong, Macao, the Mainland or overseas.
Properties include real estate and parking space. Only the value of one residential property which is the principal place of residence in Fujian and one parking space for self-use in Fujian are disregarded. Other real estate and parking space separately or jointly owned by the applicant and/or his/her spouse (if applicable) are regarded as "non-owner occupied properties" and should be taken into account for assessment of "assets".
Accrued retirement benefits refer to the retirement benefits currently held in Mandatory Provident Fund ("MPF") Scheme(s) or other retirement scheme(s). The estimated total amount of such accrued benefits is based on information on the latest benefit statement(s) issued by MPF trustee(s) or other retirement schemes trustee(s)/administrator(s) or information obtained through other relevant documents. For applicant's spouse (if applicable) below 65, the accrued retirement benefits are disregarded in the asset test while the monthly mandatory contributions to MPF Scheme(s) or other retirement scheme(s) are disregarded in the income test.
An applicant must complete the application procedures in person in Hong Kong. Applicant is first required to return the completed Fujian Scheme Application Form together with two recent photos and photocopies of all relevant supporting documents (see page 21 of the Guidance Notes) to the by post. As soon as an application is received, an officer of the Department may ask for supplementary information, where necessary, before making arrangements for an interview in the with the applicant.
For applicants who have already settled in Fujian and can produce medical proof(s) issued by public hospital/clinic indicating that they may not be able to travel to Hong Kong for the application due to health condition, SWD will request its agent to assist the applicants in completing the application procedures.
Frequently Asked Questions
How do I apply for the Fujian (FJ) Scheme?
Applicants must complete the application procedures in person in Hong Kong, prior to which applicants are required to return the completed "Application Form for the FJ Scheme" together with photocopies of the relevant supporting documents and two recent photos to the Social Security Field Unit (Guangdong Scheme and Fujian Scheme) [SSFU(GDS & FJS)] by post. After receiving an application, the Social Welfare Department (SWD) will invite the applicant to attend an interview and complete the application procedures at the SSFU(GDS & FJS) by appointment. When attending the interview, the applicant must produce original copies of the relevant supporting documents, such as Hong Kong Identity Card (HKIC), travel documents (e.g. Home Visit Permit), etc. Applicants aged between 65 and 69 should also bring along original copies of identity documents of their spouse (if applicable) and relevant documents pertaining to their income and assets held by them and their spouse (if applicable). SWD may, where necessary, ask the applicants for supplementary information.
[NOTE: To ensure efficient handling of applications, SWD will make prior appointment for an interview with applicants. There is no need for applicants to rush to the SSFU(GD Scheme & FJ Scheme). Applicants should first return the completed application form together with two recent photos and photocopies of relevant supporting documents to the SSFU(GDS FJS) by post. The arrangement facilitates shortening the time required for processing the applications and saves applicants from having to make repeated visits to the field unit. Upon receipt of an application, SWD will make arrangements for an interview with the applicant.]
After submitting an application, when will I be interviewed by SWD to complete the application procedures and when will I receive the allowance?
SWD will issue acknowledgements to applicants upon receipt of their applications. SWD will arrange for applicants to complete the application procedures at the SSFU(GDS & FJS) by appointment to make things easier for elderly persons and to ensure that the interviews are carried out smoothly. If an applicant can provide all the necessary documents and complete all the procedures during the interview, SWD, having ascertained the eligibility of the applicant, will generally be able to make the payment to an approved application within seven working days after the interview.
How long will it take for SWD to finish the interview and complete the application procedures?
It is expected that the application procedures will be completed within approximately 30 minutes, provided that the applicant can provide all the necessary documents. Details of the Scheme, including the obligations of a beneficiary and the arrangement of annual reviews, will also be explained to the applicant during the application procedures.
When will the allowance be paid after SWD’s interview with an applicant?
If an applicant has not provided all the necessary documents, officers will ask the applicant to submit supplementary documents in order to complete the application procedures. The time for the allowance to be paid will depend on when the applicant will complete all the procedures. If an applicant can provide all the necessary documents and complete all the procedures during the interview, SWD will generally be able to make the payment to an approved application within seven working days after having ascertained the eligibility of the applicant.
Are the applicants required to return to Hong Kong to complete the application procedures?
In principle, all applicants for the FJ Scheme are required to go to the SSFU(GDS & FJS) to complete the application procedures in person to ensure that the applicants provide all the information required. In addition, details of the Scheme, in particular the role and responsibility of the SWD's Agent (the International Social Service-Hong Kong Branch),will be explained by SWD officers to the applicants so that they can fully understand how the SWD's Agent will assist them in completing regular case review and their obligations as a beneficiary of the Scheme. As a matter of fact, according to the experience in implementing GD Scheme, elderly persons who have been briefed by SWD on the SWD's Agent will have more understanding and be receptive in placing trust in it which can effectively remove their anxiety about and even resistance against the conduct of home visits and issuance of letters by the SWD's Agent.
For elderly persons who can produce medical proof(s) issued by public hospitals/clinics indicating that they may not be able to travel to Hong Kong for the application due to health condition, SWD will request its agent, to conduct home visit to them so that they will not have to return to Hong Kong to complete the application procedures in person.
How can Hong Kong elderly people who are residing in FJ obtain application forms?
Application Forms and Guidance Notes of the FJ Scheme can be downloaded from the website of the FJ Scheme of SWD (). In addition, applicants may also obtain the Application Forms and Guidance Notes from social security field units in all districts in Hong Kong and various designated locations in FJ Province. Please visit the website of the FJ Scheme of SWD () for details. Applicants may also obtain the Application Forms and Guidance Notes through telephone Enquiry Line of the GD Scheme & FJ Scheme: (852)3105 3266 or by post to the SSFU(GDS & FJS) (address: Units 2110-2111, Level 21, Landmark North, 39 Lung Sum Avenue, Sheung Shui, Hong Kong).
Is the application form complicated? How can applicants receive assistance in completing the application form?
The "Application Form for the FJ Scheme" is basically the same as the current Social Security Allowance (SSA) Scheme Application Form. The "Application for the FJ Scheme Guidance Notes" also provides a step-by-step guide on how to complete all parts of the application form, together with samples for reference by the applicants. If an applicant needs assistance to complete the application form, officers of the SSFU(GDS & FJS) will render assistance as appropriate. In addition, an applicant may call the Enquiry Line of the GD Scheme & FJ Scheme: (852)3105 3266 to enquire about the content of the application form and how to fill in the relevant information.
For an applicant who is unable to find a relative or friend to be his/her witness when completing the application form, what can he/she do?
If an applicant is unable to find a person to be his/her witness, he/she may submit the application form without completing the particulars of the witness. When the applicant attends the interview at the SSFU(GDS & FJS), officers will verify the relevant information with the applicant. Similarly, staff of the agent appointed by SWD will also verify the relevant information during the interview with the applicant who, due to health reasons, is unable to return to Hong Kong to complete the application procedures.
If an applicant only meets the qualifying age two months later, can he/she apply for the FJ Scheme now?
The Department accepts a FJ Scheme applicant to make an application within one month prior to his/her reaching the qualifying age (i.e. the 65th or 70th birthday respectively) for the allowance. Under this arrangement, the payment of FJ Scheme will be calculated from the date the applicant fulfils the qualifying age and satisfies all the eligibility criteria, whichever is later.
If an applicant cannot produce residential address proof in FJ as he/she rented a flat that his/her name is not shown on the water bill, electricity bill and gas bill, what kind of documents other than the preceding ones would be accepted as a residential address proof?
Rent receipt, any utilities bills for his/her rented residential premise or letter issued by government departments showing his/her name can serve as a residential address proof for his/her application for the FJ Scheme.
Even if the applicant is living with his/her children that his/her name is not shown in any utilities bills, he/she should try to submit other document, such as letter issued by government department or banks, as the residential address proof.
If the applicant do not have any documents to serve as the residential address proof in FJ, he/she can still submit his/her application for the FJ Scheme with other supporting documents by post to the SSFU(GDS & FJS) and SWD will process his/her case depends on individual conditions.
How will the effective date of allowance payments be calculated?
The payment of allowance is calculated from the date of receipt of application by SWD (or the date of application or referral if the application is referred by another organization) or the date on which the applicant satisfies the eligibility criteria for the allowance, whichever is later.
How do elderly people who do not have a bank account in Hong Kong receive payments?
Currently, social security payments made by the Hong Kong Government are directly credited to beneficiaries’ bank accounts in Hong Kong. Elderly people may open a bank account in Hong Kong in order to receive the allowance under the FJ Scheme. For elderly people who are unable to open a bank account in Hong Kong, they may authorise a relative or friend to receive the payment on their behalf. The agent appointed by SWD will also render assistance if needed or receive the payment on behalf of the elderly people when necessary. This arrangement is in line with the current arrangement under the Portable Comprehensive Social Security Assistance Scheme.
Why can't the payments of allowance be credited directly to the applicants' bank accounts in the Mainland?
SWD has discussed with all major banks in Hong Kong. Due to the laws and regulations of the Mainland, it is confirmed that cross-border autopay arrangement cannot be made to transfer the payments of allowance to beneficiaries' bank accounts in the Mainland directly. It is also not feasible for SWD to make the remittance arrangement on behalf of the applicants as it involves complicated procedures and the applicants may need to pay rather high costs.
For some elderly people who may be holding invalid HKIC (i.e. HKIC issued before 23 June 2003), how do they make an application?
Applicants for the FJ Scheme must produce a valid HKIC to prove their resident status and their eligibility under the Scheme. Any person holding an invalid HKIC must return to Hong Kong for renewal of the card. Please call the Hong Kong Immigration Department at (852)2824 6111 for enquiries about returning to Hong Kong for renewal of HKICs.
If the above applicants with invalid HKIC are unable to return to Hong Kong for smart identity card replacement due to health reasons, how should they proceed with the applications for the FJ Scheme?
If applicants who have invalid HKICs are able to produce documents issued by local hospitals/clinics to prove that they are unfit to return to Hong Kong for smart identity card replacement or for completion of the applications for the FJ Scheme at the SSFU(GDS & FJS), they will be required by SWD to produce other valid documents, such as other valid proof of identity or travel documents, as a proof of their identity and eligibility for application.
If an applicant is holding an invalid Mainland Travel Permit for Hong Kong and Macao Residents (commonly known as the Home Visit Permit), how should they return to Hong Kong?
If an applicant has a Home Visit Permit which has expired and become invalid, he/she may apply for a one-off Entry and Exit Permit through the China Travel Service (Hong Kong) (CTS) on the Mainland.
Upon arrival in Hong Kong, the applicants may apply for the Home Visit Permit through the CTS in Hong Kong for returning to the Mainland (applicants can use the Acknowledgement of Application for Identity Card issued by the Hong Kong Immigration Department to make the applications).
[Please note that in arranging to come to Hong Kong, applicants should allow sufficient time for going through the application procedures. For details of applying for Home Visit Permit for returning to the Mainland, please contact CTS [telephone: (852)2998 7888] for enquiries.]
What are the specific arrangements for applicants to surrender their PRH units? If they withdraw from the FJ Scheme and return to settle in Hong Kong, will they be allowed to apply for PRH units through Compassionate Rehousing?
Applicants of the FJ Scheme who are PRH tenants are required to undertake to surrender their PRH units or delete tenancy right when they join the FJ Scheme. They should authorise SWD to notify the Hong Kong Housing Authority (HA)/Hong Kong Housing Society (HKHS) of their intention regarding residence to facilitate follow-up action by HA/HKHS.
If an applicant of the FJ Scheme is a PRH tenant, he/she may, if necessary, apply for keeping his/her original PRH unit for a maximum of three months, during which he/she may consider his/her suitability of settling in the FJ province. During this grace period, the applicant can return and continue to live in his/her original PRH unit should he/she decide to withdraw from the FJ Scheme and return to settle in Hong Kong provided that they have been duly paying rents to HA/HKHS. He/She may apply for a Letter of Assurance from HA/HKHS so that a suitable PRH unit will be allocated to them without having to apply for PRH afresh through the General Waiting List should he/she later choose to return to settle in Hong Kong. Applicants should also fulfill other prevailing eligibility criteria of PRH application, such as the income and assets limits. HA will allocate a PRH unit in the area where the applicants originally reside, subject to availability at the time.
Moreover, applicants who are authorised family members of PRH tenancies may also apply for a Letter of Reinstatement from HA when deleting their names from the tenancies, so that their names can be added back to the tenancies of their original PRH units without having to undergo the income and assets tests should they later return to settle in Hong Kong.
Can the applicants/recipients of FJ Scheme apply for PRH units? If a PRH unit/tenancy right of a PRH unit is allocated to the recipient during receipt of the allowance under the Scheme, will the recipient continue to be eligible for the allowance?
Applicants/Recipients of the FJ Scheme can apply for PRH units having regard to the circumstances of their family and their housing needs. If a PRH unit or tenancy right of PRH unit is allocated to a recipient of the FJ Scheme, he/she should report to SSFU(GDS & FJS) or the SWD's agent. If the recipient accepts the offer of the PRH unit or tenancy right, he/she will become ineligible the allowance under the FJ Scheme. When the recipient withdraws from the FJ Scheme and returns to Hong Kong for good, he/she may convert to receiving Old Age Living Allowance (OALA) or Old Age Allowance in Hong Kong if he/she meets the eligibility criteria of the allowance (e.g. the income and asset limits for OALA). If the recipient declines the offer of the PRH unit or deletes the tenancy right of PRH unit and continues to reside in FJ, he/she will continue to receive the allowance under the FJ Scheme.
What is the role of the agent for the FJ Scheme?
SWD has appointed the International Social Service Hong Kong Branch as the agent for the FJ Scheme, which is responsible for -
conducting annual case review for cases under the FJ Scheme;
assisting applicants who are unable to return to Hong Kong for health reasons to complete their applications;
reporting changes in personal circumstances of FJ Scheme recipients to SWD; and
handling enquiries on the Scheme from recipients or other individuals/groups in FJ.
How will the SWD's agent verify that FJ Scheme recipients have resided in FJ for 60 days per year?
The agent appointed by SWD will monitor cases under the FJ Scheme and verify the eligibility of recipients by conducting annual postal reviews or spot checks through home visits.
Can existing OAA recipients who choose to join the FJ Scheme choose to withdraw from the Scheme in the future?
Existing OAA recipients who choose to join the FJ Scheme can also choose to withdraw from the Scheme, return to settle in Hong Kong and continue to receive OAA or to remove to Guangdong (GD) to receive OAA under the GD Scheme.
If a recipient wishes to change his/her place of residence on a permanent basis from FJ to GD and to convert to receive allowance under the GD Scheme, he/she should report to the SSFU(GDS & FJS) or the SWD's Agent and obtain the approval of SWD before changing his/her place of residence.
For recipients who choose to withdraw from the FJ Scheme in less than a payment year and return to settle in Hong Kong, can they receive other allowances immediately after returning to Hong Kong or remove to GD and continue to receive OAA under the GD Scheme?
The special one-off arrangement put in place under the FJ Scheme during the periods of 1 April 2018 to 31 March 2019 aims to facilitate elderly people who have already resided in FJ to join the FJ Scheme without having to return and stay in Hong Kong. To prevent any abuse of this arrangement, an elderly person who receives OAA under the FJ Scheme through the special one-off arrangement but wishes to convert to receiving other allowance under the SSA Scheme in Hong Kong or to remove to GD and continue to receive OAA under the GD Scheme, he/she must -
have received OAA under the FJ Scheme for not less than one year (a payment break for not more than 10 days is allowed); or
have resided in Hong Kong continuously for one year immediately before the date of application for other allowance under the SSA Scheme;
in addition to meeting the eligibility criteria of the allowance (e.g. the income and asset limits for OALA) that he/she wants to apply for upon returning to Hong Kong or removing to GD.
Will the premium payment (paid in a lump-sum or by instalments) placed with an annuity scheme and the payout (normally on a monthly basis) under the annuity scheme be counted in the financial test of FJ Scheme (only applicable to applicant aged 65 to 69)?
The payout provided under the annuity scheme will be counted as monthly income under FJ Scheme (only applicable to applicant aged 65 to 69), while the one-off lump-sum or instalment premium payment placed with the annuity scheme will not be counted as asset. However, if a recipient surrenders or partially surrenders the policy under the annuity scheme, the surrender value (if any) will be regarded as asset.
If an elderly person has participated in an annuity scheme, can he/she apply for FJ Scheme (only applicable to applicant aged 65 to 69)?
Whether to participate in any annuity scheme is a matter of personal decision of elderly persons. Please refer to Q&A 23 for the treatment of relevant resources for elderly persons who have participated in annuity scheme.
For example, a singleton male elderly person aged 65 receives a pension of $2,500 per month (his only source of income) and has an asset of $600,000 (according to the definition of assets under FJ Scheme). If he chooses to place $500,000 with an annuity scheme, he will receive a payout of about $2,900 per month from the annuity scheme (Note). Since his asset level will become $100,000 after participating in the annuity scheme (the one-off lump-sum premium payment of $500,000 placed with the annuity scheme is not counted as asset) and his total monthly income will be about $5,400 (i.e. monthly pension $2,500 + monthly payout of $2,900 under the annuity scheme), he meets the asset and income limits of FJ Scheme (only applicable to applicant aged 65 to 69) (i.e. asset at $343,000 and monthly income at $7,970 for elderly singleton). Subject to meeting other eligibility criteria (including the residence requirements), he will be eligible for the allowance under FJ Scheme (currently at $1,385 per month).
Note: The return rate is estimated with reference to the HKMC Annuity Plan of the HKMC Annuity Limited.
For elderly persons who subscribe the HKMC Annuity Plan and the other annuity products operated by private sectors at the same time, how would the payouts and one-off lump-sum or instalment premium payment be counted under FJ Scheme (only applicable to applicant aged 65 to 69)?
Please refer to Q&A 23. In simple terms, if an elderly person participates in more than one annuity scheme, the payouts under the schemes will be counted as his/her monthly income in an aggregated manner, while the one-off lump-sum or instalment premium payment under the schemes will not be counted as asset.
If the regular payout is not paid on a monthly basis, how would it be calculated as income under FJ Scheme (only applicable to applicant aged 65 to 69)?
If the payout is provided quarterly, half-yearly or yearly, etc., the amount has to be apportioned according to the number of months covered and counted as the monthly income starting from the month following the date of receipt. For instance, if an elderly person receives a payout of $24,000 on a half-yearly basis in June 2018, the amount ($24,000) will be apportioned into six months, i.e. $4,000 per month for the six-month period starting from July 2018. Elderly persons should make honest declaration of their monthly income and asset situation. Otherwise, all payments granted on the basis of incorrect declarations will be taken as overpayment and will be duly recovered.
For elderly couples, is it a requirement that both the husband and wife have to participate in the annuity scheme for the one-off lump-sum or instalment premium payment to be excluded from the asset test for FJ Scheme (only applicable to applicant aged 65 to 69)?
If a FJ Scheme applicant is married, he/she should declare the income and asset of the couple even if his/her spouse has not yet reached the age of 65. The SWD will assess whether the applicant meets the relevant income and asset requirements with reference to the prescribed limits for couples. Whether both parties of the couple or just one party participate(s) in annuity scheme, the arrangements set out under Q&A 23 will apply.
If an elderly person surrenders the annuity scheme, will his/her eligibility for FJ Scheme (only applicable to applicant aged 65 to 69) be affected?
If an elderly person surrenders or partially surrenders the annuity scheme, the surrender value (if any) will be treated as asset. Under such circumstances, he/she should immediately report the changes to SWD or SWD's agent. If the total asset value of the elderly person exceeds the prescribed limits, he/she will not be eligible for FJ Scheme. Elderly persons should make honest declaration of their monthly income and asset situation. Otherwise, all payments granted on the basis of incorrect declarations will be taken as overpayment and will be duly recovered.
EnquiriesFor enquiries, please contact:
- Social Security Field Unit (Guangdong Scheme and Fujian Scheme)
Address: Unit 2110-2111, 21/F., Landmark North,
39 Lung Sum Avenue, Sheung Shui, Hong Kong.
Office Hours: Monday to Friday: 8:45 am to 1:00 pm
2:00 pm to 6:00 pm
Saturday, Sunday and
- Guangdong Scheme and Fujian Scheme Enquiry Line 3105 3266
Service hours of the Enquiry Line: Monday to Friday: 8:45 am to 1:00 pm
2:00 pm to 6:00 pm
Outside the above service hours: Calls forwarded to 1823 of the Efficiency Unit to handle general and simple enquiries on Fujian Scheme.
- Departmental hotline 2343 2255
If the departmental hotline 2343 2255 and the 1823 of the Efficiency Unit are unable to give immediate replies on certain enquiries, the staff will take down the details and pass them to the department for follow-up.