Hong Kong’s millionaires typically become multi-millionaires at 39, a survey finds

Hong Kong’s millionaires typically become multi-millionaires by age 39, reaching the HK$10 million milestone from HK$1 million in about eight years, the latest HSBC Affluent Survey revealed.

The survey, conducted in November 2025 with 2,018 respondents aged 25-64 residing in Hong Kong, found that more than half of the respondents held at least HK$1 million liquid assets and 1 in 13 of them already had at least HK$10 million. 

Nearly 70 percent of respondents built their wealth mainly through investments, own business’ profit, interest earnings and rental incomes, it said. 

Multi-millionaires typically allocate a greater portion of their wealth to investments with higher return potential, such as equities and investment funds, as well as to protection products, the study found.

The survey also revealed that the middle-class liquid asset benchmark has risen sharply to HK$8.35 million.