So it turns out my guesses last week in the new Mox+ were wrong.

Here is what's changing that I got wrong:

  • HKD $600K balance for Mox+, which is lower than the $625K or even $1m that I expected.

What I didn't anticipate:

  • 40% discount on currency exchange fee for currency exchanges, when using Express Remit.
  • 20% spread discount on currency exchanges.
  • Waiver of overseas ATM cash withdrawal fee.
  • Mox Invest Pro tier (up from Basic or Advanced)
  • E-voucher for tall-sized Starbucks beverage valued at HKD $45 each month.
  • 20% cash rebate at select restaurants, capped at HKD $500/quarter. This means cap of HKD $2500 at select restaurants.

The details of Mox+ can be found here.