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
【September Campaign: Rewards up to HK$9,000】September 1-30, open account via MoneySmart link and complete deposit to earn rewards
1️⃣ Deposit HK$80,000+ (or equivalent) and maintain monthly average daily net assets of HK$80,000+ until 1 Dec 2026 to choose from:
HK$2,000 cash*/ Apple Store Gift Card/ HK$2,200 ParknShop e-Voucher/ HKTVmall e-Voucher, plus additional HK$400 Huatai Official Stock Rebate Voucher
OR
🧭 HK$80K Deposit: Special Price HK$3,300 for DJI Osmo Pocket 4P Vlog Combo (Value: HK$5,329)
2️⃣ Deposit HK$10,000+ and maintain monthly average daily net assets ≥HK$10,000 until 1 Dec 2026 to choose from
HK$400 cash* / Apple Store Gift Card / HK$500 PARKnSHOP or HKTVmall e-voucher
‼️Rewards 1️⃣ & 2️⃣ cannot be combined
‼️Complete specified deposits & transfers to earn up to HK$9,000 welcome bonus
‼️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 Sep 30, 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 Cash Welcome Offer 💰】From Sep 8 - 14, open an account via the designated MoneySmart link
1️⃣ Deposit HK$80,000–HK$499,999 within 30 days, then maintain for another 30 days. Choose one
🔥 HK$2,200 cash* / Apple Store e-gift card/ DREAME Air Slimmest Upright Vacuum (Value HK$2,999)
🧭 Limited-time offer with a HK$80,000 deposit
- Redeem at a discounted price of HK$2,000 - SONY PlayStation 5 Digital Edition 825GB (Slim Version) (Value: HK$4.257)
2️⃣ Deposit HK$10,000 – HK$79,999 within 30 days, then maintain for another 30 days. Choose one
🔥 HK$700 cash* / Apple Store e-gift card / 🆕 Dyson HushJet™ Mini Cool fan (Value: HK$890)
🧭 Limited-time offer with a HK$10,000 deposit
- Redeem at a discounted price of HK$1,500 - Sony WF-1000XM6 earphones (Value HK$3,699)
⭐️【 Webull Official Reward #】 : Deposit HK$500,000+ for a Webull cash coupon worth 1% of your deposit (max HK$100,000)
· 1️⃣ & 2️⃣ rewards cannot be combined.
· Deposit ≥HK$500,000 → auto 1% Webull cash coupon; NOT combinable with MoneySmart's HK$10,000/ HK$80,000 reward.
· See【Reward Details】below for full promotion details and gift list.
【📱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 Sep, plus monthly interest】 From Sep 1–30, 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*/ TEA CHÂTEAU Modern Tea Machine Set (Value: HK$1,838)
HK$500,000 deposit: 🔥 HK$1,800 cash*/ Carrier 22L Air Purification & inverter Dehumidifier (DC-22VS, White Colour)(value:HK$4,880)
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 profolios
‼️ Click【More Details】for full campaign 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.



