7 ways to make passive income - make money work for you even while you sleep

What is passive income?
Passive income is money you earn even while you sleep. This can be achieved when you create something like a blog, an online course, videos, etc. that generate money even when you’re not at work or through investments account on property, stocks, funds, etc.
Why should I create a passive income?
Most of us trade time for money by working our day job. But it is not always efficient and it will take up a lot of our time. We could have done something else as Warren Buffet is known to say, “If you don’t find a way to make money while you sleep, you will work until you die.” Also, we will all get retired at some point and stop receiving active income. Therefore, it’s important to make your money work for you.
Passive income ideas: How to make passive income in Hong Kong?
1. Investing in Stocks
2. Bonds and GICs
3. Funds
4. Cryptocurrency
5. Invest in Property
6. Saving Insurance Plan
7. Affiliate Marketing

Best brokerage accounts in Hong Kong
Huatai Zhangle Global
- Min. Commission - US Stocks (V2)
- US$0
- Min. Commission - HK Stocks (V1)
- HK$0
- HK IPO subscription fee
- HK$0
【🔥 Deposit HK$10,000, Get HK$1,100 Welcome Bonus**】** October 1 - 31, open account via MoneySmart link and complete deposit to earn rewards
1️⃣ Deposit HK$80,000+ and maintain monthly average daily net assets ≥HK$80,000, after 31 Dec 2026 to choose from
💰 HK$2,000 Cash* / HK$2,300 ParknShop e-Vouchers PLUS additional HK$500 Huatai cash voucher
OR
2️⃣ Deposit HK$10,000+ and maintain monthly average daily net assets ≥HK$10,000, after 31 Dec 2026 to choose from
💰 HK$500 Cash*/ ⬆️ HK$600 Apple Store Gift Card PLUS additional HK$500 Huatai cash voucher
⭐ Huatai New Customer Perks: Zero commission, zero platform fees on HK & US stocks all year
⭐ Deposit HK$300,000+: Rewards up to HK$183,000
‼️Rewards 1️⃣ & 2️⃣ cannot be combined
‼️Click 【More Details】 below for full gift list & campaign info
Rewards issued by MoneySmart to eligible customers. Huatai Financial Holdings (Hong Kong) Limited or its affiliates sponsored this post to promote this campaign. Offer valid until Oct 31, 2026. Subject to terms and conditions.
【📱Phone First, Work Later! HK$100K+ Worth of Prizes Up for Grabs🔥】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, including iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more! Visit the campaign page for details. T&Cs apply.
Webull Securities Account
- Commission Fee US Stocks
- US$0
- Commission Fee HK Stocks
- HK$0
- US stocks minimum trade
- US$1
【HK$2,200 Welcome Cash Bonus】From Oct 6, 2026, 12:00 noon to Oct 11, within 30 days of opening an account via MoneySmart, deposit HK$10,000 or HK$80,000 and above, and maintain the assets for another 30 days from day 31 onwards (including the first and last days), you can enjoy the following rewards:
1️⃣ Deposit HK$80,000 to HK$199,999:
⬆️💰 HK$2,200 cash* / HK$2,400 ParknShop e-voucher / HKTVmall e-voucher / PHILIPS RO Water Dispenser ADD6920/90 (value: HK$4,288)
2️⃣ Deposit HK$10,000 to HK$79,999:
⬆️ HK$700 cash* / HK$900 ParknShop e-Vouchers / Dyson HushJet™ Mini Cool Fan (value: HK$890)
🌟 Deposit HK$200,000 to HK$499,999:
Automatically receive HK$3,000 Webull Cash Voucher# (issued by Webull)
🌟 Deposit HK$500,000 or above:
Receive 1% of deposit amount in equivalent Webull Cash Voucher# (maximum cap HK$100,000) and MoneySmart HK$400 Cash*
‼️ # Deposits of HK$200,000 or HK$500,000 and above will automatically receive rewards issued by Webull. You will NOT simultaneously enjoy MoneySmart's HK$10,000 or HK$80,000 deposit rewards.
‼️ MoneySmart rewards 1️⃣ and 2️⃣ cannot be stacked.
‼️ For more MoneySmart exclusive rewards, official Webull rewards and campaign details, please refer to【More Details】below.
【📱Phone First, Work Later! HK$100K+ Worth of Prizes Up for Grabs🔥】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the ""Phone First, Work Later"" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, including iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more! Visit the campaign page for details. T&Cs apply.
- Min. Commission Fee US Stocks
- US$0.0035
- Min. Commission Fee HK Stocks
- 0.015%
- Account Opening Min. Funding
- HK$10,000
Syfe
- Minimum investment amount
- HK$0
- Annual Management Fee
- 0-0.65%
- Subscription fee of Equity fund
- 0%
【Get cash upfront in Oct, plus monthly interest】 From Oct 1–31, visit Syfe via the MoneySmart designated link, click "Get Started," enter referral code【MS26】to open an account, then within 14 days of depositing the required amount, select any portfolio and maintain it for 120 days*.
HK$100,000 deposit: HK$400 cash*/ HK$500 PARKnSHOP e-Voucher
HK$200,000 deposit: HK$700 cash*/ Plaza Premium Lounge APAC 3 hrs Access Pass x2 (Value: HK$1,300)
HK$500,000 deposit: 🔥 HK$1,800 cash*/ Kooduu SENSA PLAY Dimmable LED Lamp and Bluetooth Speaker Topped with a Handcrafted Glass Lampshade (value:HK$2,290)
HK$1,000,000 deposit: HK$3,000 cash* / BoseQuietComfort Ultra Headphones (2nd Gen) (Value: HK$3,799)
‼️ 120-days retention applies only to all portfolios
‼️ Click【More Details】for full camapign and reward details
Stocks Trading Platform in Hong Kong :
| Stock Trading Platform | Commission Fees (US Stock) | Commission Fees (HK Stock) | Features |
|---|---|---|---|
| Stock Trading Platform Valuable Capital Brokerage Account | Commission Fees (US Stock)US$0.99 | Commission Fees (HK Stock)HK$0 | Features
|
| Stock Trading Platform SoFi Hong Kong Brokerage Account | Commission Fees (US Stock)US$0 | Commission Fees (HK Stock)HK$0 | Features
|
| Stock Trading Platform Webull Securities Account | Commission Fees (US Stock)US$0 | Commission Fees (HK Stock)HK$0 | Features
|
| Stock Trading Platform Saxo Markets | Commission Fees (US Stock)US$3 | Commission Fees (HK Stock)HK$18 | Features
|
Compare More Trading Accounts in HK!
FAQ
Why should I create a passive income?
- It frees up your time to actually do the active work and protects the value of your money.
Can I create passive income through investments?
- Yes, you can. Getting your money to work for you through investing in appreciable assets is a smart way to add money to your income stream.
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