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Critical Illness Insurance

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When we feel sick, we generally know what we can do to treat the symptoms or at least communicate it to our family members or medical professionals. But for furry friends, they cannot tell us in words when they are unwell. By the time we notice something’s not right with our pets, it may already be quite serious. To be prepared for any scenario, pet owners can start by getting to know the vet clinics nearby that can offer emergency care around the clock.

<table style="border-collapse:collapse;border-spacing:0" class="tg"><thead><tr><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>District&nbsp;&nbsp;&nbsp;&nbsp;</th><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Address&nbsp;&nbsp;&nbsp;&nbsp;</th><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Location&nbsp;&nbsp;&nbsp;&nbsp;</th><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Clinic Name&nbsp;&nbsp;&nbsp;&nbsp;</th><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Phone Number&nbsp;&nbsp;&nbsp;</th></tr></thead><tbody><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Tai Wai&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>75 Chik Shun Street&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Near Mei Lam Estate&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Tai Wai Small Animal and Exotic Hospital&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>2678 1030&nbsp;&nbsp;&nbsp;</td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Tai Wai&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>G/F, 5-7 Shing Ho Road&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Near Mei Lam Estate&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Caring Animal Clinic &amp; NTUAMC<br>&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>2688 0840 (for appointments)<br>&nbsp;&nbsp;&nbsp;<br>6375 5441 (emergency hotline)&nbsp;&nbsp;&nbsp;</td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Yuen Long&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Shop 11, G/F, Hing Fook Building Phase 2, 8 Man&nbsp;&nbsp;&nbsp;Hop Path&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Across from Yuen Long Plaza&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Victoria 24hr Veterinary Hospital&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>2477 8929&nbsp;&nbsp;&nbsp;</td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Yuen Long&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Shop 1, 3, &amp; 4, G/F, Crystal Park, 50 Ma Tin&nbsp;&nbsp;&nbsp;Road&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Near Yuen Long Sport Center&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Pet Pet Animal Medical Centre&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>3708 8770&nbsp;&nbsp;&nbsp;</td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Sai Kung&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Shop 8, 66 Yi Chung Street&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Near Sai Kung Market&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Pets Central&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>2792 0833&nbsp;&nbsp;&nbsp;</td></tr></tbody></table>

<table style="border-collapse:collapse;border-spacing:0" class="tg"><thead><tr><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>District&nbsp;&nbsp;&nbsp;</th><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Address&nbsp;&nbsp;&nbsp;&nbsp;</th><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Location&nbsp;&nbsp;&nbsp;</th><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Clinic Name&nbsp;&nbsp;&nbsp;</th><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Phone Number&nbsp;&nbsp;&nbsp;</th></tr></thead><tbody><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Prince Edward&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>50 Ki Lung Street&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Near Prince Edward MTR Station&nbsp;&nbsp;&nbsp;Exit D&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Non-Profit Making&nbsp;&nbsp;&nbsp;Veterinary Services Society (NPV)&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>2393 2070 (for appointments)<br>&nbsp;&nbsp;&nbsp;<br>5931 9764 (emergency hotline)&nbsp;&nbsp;&nbsp;</td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Mong Kok&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>G/F, 26 Sai Yee Street&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Near MacPherson&nbsp;&nbsp;&nbsp;Playground&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Macpherson Animal Clinic*&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>2781 2386<br>&nbsp;&nbsp;&nbsp;<br>6227 0262 (Whatsapp)&nbsp;&nbsp;&nbsp;</td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Mong Kok&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>14-16 Victory Ave&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Near Waterloo Road&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Animal Medical Center&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>2713 4155&nbsp;&nbsp;&nbsp;</td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Sham Shui Po&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>339 Lai Chi Kok Road&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Near Dragon Centre&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>CityU VMC*&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>3650 3000 (for appointments)<br>&nbsp;&nbsp;&nbsp;<br>3650 3200 (emergency hotline)&nbsp;&nbsp;&nbsp;</td></tr></tbody></table>

<table style="border-collapse:collapse;border-spacing:0" class="tg"><thead><tr><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>District&nbsp;&nbsp;&nbsp;</th><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Address&nbsp;&nbsp;&nbsp;</th><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Location&nbsp;&nbsp;&nbsp;</th><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Clinic Name&nbsp;&nbsp;&nbsp;</th><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Phone Number&nbsp;&nbsp;&nbsp;</th></tr></thead><tbody><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Kennedy Town&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Shop 4-6, G/F, Shun Fai&nbsp;&nbsp;&nbsp;Building, 19 Hau Wo Street&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Near Kennedy Town MTR&nbsp;&nbsp;&nbsp;Station&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>9Lives Veterinary&nbsp;&nbsp;&nbsp;Emergency Centre (VEC)*&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>2334 2334&nbsp;&nbsp;&nbsp;</td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Sai Ying Pun&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Shop 1, G/F, 25-35 Water&nbsp;&nbsp;&nbsp;Street&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Near Ba Yi Restaurant&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>The Ark Veterinary&nbsp;&nbsp;&nbsp;Hospital*&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>2549 2330<br>&nbsp;&nbsp;&nbsp;<br>5590 4993 (Whatsapp)&nbsp;&nbsp;&nbsp;</td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Shau Kei Wan&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>256 Shai Kei Wan Road&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Near Eastern Central&nbsp;&nbsp;&nbsp;Plaza&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>East Island 24hr Animal&nbsp;&nbsp;&nbsp;Hospital*&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>2915 3999&nbsp;&nbsp;&nbsp;</td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>North Point&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>G/F, 66 Java Road &amp;&nbsp;&nbsp;&nbsp;1/F, Yan Wo Building, 70 Java Road&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Near Java Market&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Pets Central&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>2811 8907&nbsp;&nbsp;&nbsp;</td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>North Point&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>19 Kin Wah Street&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Near Fortress Hill&nbsp;&nbsp;&nbsp;Playground&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>North Point Animal&nbsp;&nbsp;&nbsp;Hospital*&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>2307 6622&nbsp;&nbsp;&nbsp;</td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Wan Chai&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>G/F-2/F, Lucky Centre,&nbsp;&nbsp;&nbsp;165 Wan Chai Road&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Near Emperor Group Centre&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Veterinary Specialty&nbsp;&nbsp;&nbsp;Hospital of Hong Kong&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>2408 2588&nbsp;&nbsp;&nbsp;</td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Wan Chai&nbsp;&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>5 Wan Shing Street&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>Near Wan Chai Sports&nbsp;&nbsp;&nbsp;Ground&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>SPCA Headquarters&nbsp;&nbsp;&nbsp;</td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">&nbsp;&nbsp;&nbsp;<br>2802 0501 (for appointments)<br>&nbsp;&nbsp;&nbsp;<br>2711 1000 (emergency hotline)&nbsp;&nbsp;&nbsp;</td></tr></tbody></table>

Pet Club HK operates the only ambulance service for pets in Hong Kong. It boasts a team of professionally trained pet medics and the vehicles are equipped with oxygen supply systems, stretcher beds, and first aid supplies specifically for pet use.

In an emergency, the ambulance service will contact the nearest hospital and strive to deliver the pet to a vet within the golden period for treatment, increasing their chances of survival. The ambulances can also provide non-emergency transport, including pick-ups or hospital transfers.

Emergency hotline: 9782 2999
Enquiries: 9738 8103／2480 9234
Hours:
Mon, Thurs, Fri 5pm - 6am
Tues, Wed, Sat, Sun 8pm - 6am

*Macpherson Animal Clinic, CityU VMC, 9Lives Veterinary Emergency Centre (VEC), The Ark Veterinary Hospital, East Island 24hr Animal Hospital, and North Point Animal Hospital are OneDegree’s network clinics^.

Pawfect Care policyholders visiting network clinics can get 90% reimbursement on eligible expenses  (e.g. If your bill is HKD 1,000, you can claim back HKD 900). Our network includes other non-24hr clinics and hospitals. See here for the full list.

^Pawfect Care also accepts claims for non-network clinics. Policyholders visiting clinics outside of OneDegree’s network can claim 70% of eligible expenses.

To be prepared for any scenario, pet owners can start by getting to know the vet clinics nearby that can offer emergency care around the clock.

24-Hour animal hospitals and clinics in Hong Kong

Juggling between work and a healthy lifestyle is no easy feat, and it is not uncommon for people keeping up with the fast-paced modern society to stress out. In a generation where people become more aware of their mental well-being, yoga has long been known to be a great antidote to stress. It combines many popular stress-reducing techniques, including exercise, breathwork, clear the mind, and relax the body. If you are among those who wish to release pent-up stress and are not sure whether yoga is for you, why not give the below easy yoga flow, which aims to help release stress, a try and find out for yourself? Follow the steps below:

Begin in a comfortable seated position, legs crossed. Relax your feet and allow your pelvis to be in a neutral position. Think about how you are breathing. Feel the sensations in your body. Sit for a minute and feel the sensations that come with being unrushed, still and internally aware. 

Allow your head to fall toward your chest and slowly move your head around in a full circle to the right three times and then to the left three times. Invite the feeling of letting go. Return to the easy pose and lift the crown of your head up. 

Roll your shoulders in forward circular motions four times and then backwards four times. When you are finished inhale, bringing your hands over head and exhale, placing your hands together at chest level.  

Slowly move onto your hands and knees, placing your wrists directly under your shoulders and your knees under your hips. Your palms should be on the floor, fingers facing forward with your weight evenly distributed on your palms. Center your head in a neutral position and soften your gaze downward.  

Inhale as you drop your belly toward the mat. Lift your chin and chest and look up toward the ceiling. Pull your shoulders away from your ears.  

Exhale and pull your stomach toward your spine and round your back toward the ceiling. Gently release the top of your head toward the floor. 

Repeat Cat-Cow five to 10 times in an unrushed and peaceful rhythm.   

7. Downward Facing Dog (Adho Mukha Svanasana) 

Tuck your toes under your feet, press your palms into the floor and lift your hips up, extending your tailbone toward the ceiling. Push your heels back and slightly down toward the mat. They do not have to touch the ground. Allow your head to drop so that your neck is long. Stay here for a few deep breaths.   

8. Standing Forward Bend (Uttanasana)  

Slowly move your hands to your feet and release the muscles in the neck and shoulders. Also release the weight of your head and allow your legs to be straight. Cross your forearms. Place your right hand in front of your left upper arm and weave your left arm behind your right upper arm. Press your heels into the floor and extend your tailbone up to the ceiling. Shake your head back and forth to release your neck. Stay here for at least three breaths before releasing the arms from the crossed position. 

Bend your knees, pull your stomach toward your back and roll your body up. 

Extend your tailbone down. Inhale here and place your hands together at chest level.  

Slowly move your hands to your feet and release the muscles in the neck and shoulders. Also release the weight of your head and allow your legs to be straight. 

Softly come to your knees in a kneeling position. Extend your hands forward in front of you. Allow your torso to relax down and back onto your thighs. Allow space between your knees and the toes to touch. If possible, allow the buttocks to touch the heels of your feet. 

The above flow is not only good in releasing stress, but also help you stay active. In addition to yoga, there are various ways for you to take care of your mental and emotional well-being, like sound healing, meditation and so forth. Embark on your journey of healthy living with OneDegree OnePass! On top of a medical network of more than 900 clinics, OnePass also allows you to enjoy amazing wellness services of your own choice. Click here to learn more now. 

Source: https://www.nytimes.com/guides/well/yoga-stress 

If you are among those who wish to release pent-up stress and are not sure whether yoga is for you, why not give the below easy yoga flow, which aims to help release stress, a try and find out for yourself?

Release your stress with a simple yoga flow

A “first-time homebuyer” is an individual who, when applying for a mortgage, is not owning another residence in Hong Kong. Homeowners who have transferred the title of their property from joint to single ownership will also be accepted as a first-time buyer as they no longer own a home by definition. What’s more, the first-time buyer rules apply only to property used as a home. If you own just a non-residential property such as a parking space or industrial unit, you are effectively not a property owner under the rules and you will still qualify as a first-time purchaser. Even if you do hold ownership in a residence, you can sell your existing property quickly after you buy a new one to restore the status for your new purchase, and apply to the Inland Revenue Department for a refund of the stamp duty difference after the sale is completed. 

So why does it matter to be a first-time homebuyer? The obvious reason is the benefits you get to enjoy – saving on stamp duty, higher loan-to-value (LTV) ratios, eligibility for programs like the “Starter Homes” Pilot Scheme, no stress test required for white-form buyers, to name a few.  

Here we’ll cover what the key benefits are and how they work: 

Property value capped at HK$8 million for mortgage loans up to 90% LTV ratio  

In 2020, the Hong Kong government relaxed the cap on the property value eligible for a mortgage loan. As a first-time buyer, you can borrow up to 90% of your home’s value with a maximum property price at HK$8 million (the previous cap is HK$4 million). Mortgage banks, before approving a home loan, will stress-test a borrower’s ability to repay, by simulating an increase in mortgage rates by 3%, and the debt servicing ratio (DSR) must not exceed 50%. Under the new rules, however, banks can still approve a mortgage loan up to 90% LTV even if you fail the stress test, as long as you meet the base DSR requirements and pay an additional 10% charge on top of the basic insurance premium. 

In a prime-based mortgage plan, the effective interest rate is usually expressed as a bank’s prime lending rate minus a certain percentage. The common prime lending rates offered by banks in Hong Kong are: 5.5%, 5.25% and 5%. A HIBOR-linked mortgage, on the other hand, is priced according to the Hong Kong Interbank Offered Rate with an interest rate cap. That means when the HIBOR rate rises above the cap, it will limit the interest level you have to pay. With this extra protection against rising interest rates, HIBOR plans are more popular among homeowners in Hong Kong. 

If you’re buying property as an individual for the first time, you will only have to pay ad valorem stamp duty (AVD) of up to 4.25% of your property value, compared to a flat rate of 15% for everybody else. That means you can save more than 10% on stamp duty and you’ll be surprised at how much that actually is. Take an apartment worth HK$8 million for example: while the standard stamp duty amounts to HK$1.2 million, you – as a first-time buyer – only need to pay a 3.75% AVD totaling HK$300,000 and can thus safely put HK$900,000 back in your pocket. 

<table style="border-collapse:collapse;border-spacing:0" class="tg"><thead><tr><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Value of property  </th><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Stamp duty for first-time homebuyer  <br>(rates at Scale 2) </th></tr></thead><tbody><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">HK$2,000,000 or below </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">HK$100 </td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">HK$2,000,001 – HK$2,351,760 </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">HK$100 + 10% of excess over HK$2,000,000 </td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">HK$2,351,761 – HK$3,000,000 </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">1.5% </td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">HK$3,000,001 – HK$3,290,320 </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">HK$45,000 + 10% of excess over HK$3,000,000 </td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">HK$3,290,321 – HK$4,000,000 </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">2.25% </td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">HK$4,000,001 – HK$4,428,570 </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">HK$90,000 + 10% of excess over HK$4,000,000 </td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">HK$4,428,571 – HK$6,000,000  </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">3% </td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">HK$6,000,001 – HK$6,720,000 </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">HK$180,000 + 10% of excess over HK$6,000,000 </td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">HK$6,720,001 – HK$20,000,000 </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">3.75% </td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">HK$20,000,001 – HK$21,739,120 </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">HK$750,000 + 10% of excess over HK$20,000,000 </td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">HK$21,739,121 or above  </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">4.25% </td></tr></tbody></table>

When you buy a property, there are upfront costs besides the down payment:  

<table style="border-collapse:collapse;border-spacing:0" class="tg"><thead><tr><th style="border-color:inherit;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Stamp duty </th><th style="border-color:inherit;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">1.5% to 4.25% of property price </th></tr></thead><tbody><tr><td style="border-color:inherit;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Agent commission </td><td style="border-color:inherit;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Usually 1% of property price </td></tr><tr><td style="border-color:inherit;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Solicitor’s fees </td><td style="border-color:inherit;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Approx. HK$3,000 to HK$10,000 </td></tr><tr><td style="border-color:inherit;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Management fee deposit </td><td style="border-color:inherit;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Approx. 2 to 3 months’ management fee +  HK$1,000 utility deposit </td></tr></tbody></table>

Why does it matter to be a first-time homebuyer? The obvious reason is the benefits you get to enjoy , like saving on stamp duty and higher loan-to-value (LTV) ratios to name a few.  Here we’ll cover what the key benefits are and how they work.

The first-time homebuyer’s guide: everything you need to know

When it comes to celebrating Valentine's Day, we all aim to make the day extra-special for our loved ones — thoughtful gifts and a lavish dinner at a fancy restaurant to end the day. However, in the midst of a global pandemic, it seems that it is the time to come up with a Plan B to celebrate the season of love this year. 

This year, instead of the traditional romantic dinner and exchange of homemade Valentine's Day gifts, how about doing something a little more creative and one-of-a-kind to show your S.O. how much they really mean to you? No matter if you're an active, outdoorsy type who likes to get your blood pumping together or more of an indoor kid who prefers to keep it cozy and chill with your sweetie we have various budget-friendly options for you, proving that a great date doesn't have to break the bank. 

Who said the most important meal on Valentine’s Day has to be dinner? Start the day off right by serving up a romantic Valentine's Day breakfast, then enjoying it together while lounging in bed while still in your pjs. Don't forget the champagne! 

Cat got your tongue when it comes to confessing your feelings face-to-face? Make Valentine's Day even more special by putting into words why your partner means so much to you. Get really specific and super personal, for a letter that will become a keepsake. 

Does netflix and chill play a big part in your relationship? For some quality relaxation time with your S.O., get cozy on the couch and marathon watch all your favorite rom-coms. It's the perfect way to set the mood for some Valentine's night romance. 

Unleash your inner child and creativity by holding an indoor picnic! The pandemic outside doesn't have to stop you from planning the most romantic date of all — a picnic inside your place. Break out a checkered tablecloth and your best Valentine's Day recipes for a sweet indoor picnic date your sweetheart won't forget. 

A healthy relationship requires a connection beyond the physical level. Enjoy some relaxing time together by stretching it out and centering your mind. For those who want to get the good vibes going, couples' yoga can help you feel even more connected with each other. Try a yoga video at home if you don't have a studio you like. 

Get Your Loved Ones the Protection They Deserve 

What kind of promises are tangible apart from a ring? A comprehensive protection that will accompany your loved one for a lifetime! OneDegree’s Critical Illness Insurance offers comprehensive protection with a premium as low as HKD 30 /month. This might just be the most thoughtful Vday gift ever! Click here to learn more.  

No matter if you're an active, outdoorsy type who likes to get your blood pumping together or more of an indoor kid who prefers to keep it cozy and chill with your sweetie we have various budget-friendly options for you, proving that a great date doesn't have to break the bank. 

Love in the Time of Lockdown 

“Love and affection are the greatest gifts of all”, said every dog pawrent ever. We heard that, and we get it — yes, without a doubt, what every pup craves is the love and affection from their hooman; but that doesn’t mean they don’t love them some great gifts! Show your pup just how much you love and care about them this Valentine’s Day by getting them gifts on top of showering them with your love! Check out what you can get your pooch in this season of love in addition to giving them pats, playtime, treats, and kisses! 

A perfect toy choice for your pup on Valentine’s Day — offer your heart to your pup, and watch your pooch play their heart out! 

Give your furkid a nap mat of their own with their name on it! 

Most of the dogs find squeaky toys irresistible — one squeaky toy can already drive them crazy! Make their day by giving them a box of squeaky toys in a go! 

Believe it or not, dogs love new accessories just like humans. Dress your pup up with new blings this Valentine’s Day and let them show it off while taking a walk around the block! 

Give them life-long protection from illnesses and injuries, love your furbabies right by truly understanding their needs. OneDegree’s Pawfect Care. Pawfect Care offers up to an annual coverage of HKD 70, 000 and is applicable to all licensed veterinary clinics in Hong Kong. Cats and dogs of every breed are covered! Click here to learn more.  

It is fun for both hoomans and pooch to give and receive Valentine’s Day gifts, but pawrents must bear in mind that safety always comes first! While picking the gift, give the below a thought: 

Be sure the size of the gift or treat matches the size of your dog’s mouth and chew strength.   

Chocolate, lilies, xylitol (a sweetener), festive wrappings like ribbons and bows, balloons, and medication are all common reasons pet owners call the veterinary ER on or around Valentine’s Day. 

Whether you and your pooch have kept company for many years or just met, supervise your dog around any new toy or treat on Valentine’s Day. 

Show your pup just how much you love and care about them this Valentine’s Day by getting them gifts on top of showering them with your love! Check out what you can get your pooch in this season of love in addition to giving them pats, playtime, treats, and kisses! 

Adorable valentine’s day gifts for your pooch

Bringing home a new puppy less than a year old can be an exciting but daunting experience. Baby dogs are fragile and especially so before they turn six months old – their digestive and immune systems are not mature enough and even a cold can kill them! They are also more prone to infectious diseases and parasite infestations so vaccinations and deworming are crucial to keep your pup bouncing with health and vitality. Here we’ve put together a guide to help you give your new family member the best possible start in life. 

Most puppies are weaned onto solid food at one month. Their digestive system is however not yet fully developed and so are their teeth, so be sure to get them puppy food such as pureed meat. Never feed your pup human food, adult dog food or dry food that hasn’t been moistened with water. These can upset your dog’s stomach or even cause serious gastrointestinal issues. 

Puppies need a high-calorie, high-protein diet to fuel their rapid growth. Your furry little friend will get all the essential nutrients from off-the-shelf puppy food, so supplements are not necessary unless your vet advises you to. Adding supplements to an already nutritionally balanced diet can be harmful, such as putting your puppy at risk for sensitive stomach and hypervitaminosis. 

Your pup’s poop can tell you about their health. Take a good look at your dog’s poop every day and watch out for signs that could indicate a health concern such as constipation, diarrhea and blood in stool. Young puppies at about two months old generally poop five to six times a day. And as they grow older, this number gradually decreases. By the age of one, your furry little one will poop about three times a day. 

Puppies may not always have perfect control over their bowel movements and can get poop stuck and matted in their fur. You might find this dirty but never ever bathe your furry little one. Newborns are incredibly vulnerable and bathing them too soon will increase their chances of catching a cold which can be life-threatening. Take it slow, wait until your puppy gets stronger after the first vaccine shot, usually at two to three months. 

Setting up a vaccination schedule is one of the most important things you can do to keep your furry family member in tip top health. Puppies who do not receive vaccinations are at extreme risk of acute contagious diseases such as infectious canine hepatitis, rabies and parainfluenza. Generally speaking, vets tend to recommend not taking puppies out until after they have had their third vaccination.  

When your puppy is fully vaccinated and ready for their very first walk, you may need a leash to help keep your pooch under control in case they get overly excited and try to run away. To socialize your little one, try to expose them to a broad range of experiences such as weathers, environments, new people, and other animals. 

Dogs, as they roam freely outdoors, are more susceptible to parasites than cats. Heartworms are among the most dangerous – and potentially deadly – dog parasitic worms which are spread through the bite of a mosquito. Other common parasites include roundworms, hookworms, tapeworms and fleas, which can cause malnutrition, anemia or even more serious symptoms such as diarrhea, vomiting and hemorrhage. Sarcoptic mange, caused by parasitic mite sarcoptes scabiei, and demodectic mange by demodex canis mite are also common among dogs.  

Luckily, there are many effective options for parasite prevention such as regular deworming and parasite control medication. When you take your puppy out, keep away from areas with high mosquito populations and avoid contact with stool from other dogs. And after the walk, remember to clean your dog fully and thoroughly. 

It is ideal to brush your puppy’s teeth at least once a week to prevent tartar build-up, tooth decay and periodontal disease. There are a wide variety of dental care products to choose from, but keep in mind that dental chews made of hard materials such as bone will not help clean plaque off but can potentially cause tooth fracture or damage to your pup’s gum tissue.  

At around three to nine months of age, puppies will start to lose their baby teeth and grow their adult teeth. This is usually the stage that pups experience an uncontrollable urge to chew so be sure to hide away dangerous items – they may accidently swallow one! What’s more, teething can be awfully painful for your puppy. What you can do to help make the process a little more comfortable is to provide something your little one can chew on to sooth sore gums, such as chew toys or cold towels (you can simply wet a towel and put it in the refrigerator to chill). 

To ensure your doggo is living a healthy and happy life, it is also imperative to take them for a regular check-up with the vet. For an even more comprehensive protection, you can consider purchasing the ultimate protection plan for them! Click here to learn more!

Bringing home a new puppy less than a year old can be an exciting but daunting experience. Check out this guide to give your new family member the best possible start in life!

How to keep your puppy healthy and happy

Fire insurance, as the name implies, protects you from financial ruin if something unexpected happens to your home in case of a fire. But that, in fact, is not the only peril most plans in the market cover. Mishaps you're protected against is usually pretty broad, from fire to lightning strikes, explosion, water damage and so on. 

The premium you have to pay for a fire insurance policy is calculated by applying a rate percent to the sum insured, which is usually based on either: 

Right now, the sum insured in most plans are set based on the full outstanding mortgage amount. That’s why the sum insured – and your premium – goes down year by year at the time of renewal. And by the time when your mortgage term ends, the sum insured will instead depend upon the rebuilding value of your property looking at factors such as location, GFA and the neighborhood that you’re living in. If you buy fire coverage through an insurer or bank in Hong Kong, the premium rates in general range between 0.03% and 0.15% of your sum insured.

Here’s a look at what the fire insurance policies available in town cover and how much they cost: 

<table style="border-collapse:collapse;border-spacing:0" class="tg"><thead><tr><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal" colspan="3">One Degree</th></tr></thead><tbody><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Plan </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Event covered  </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Premium rate </td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Fire Insurance </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Fire <br>Flood <br>Lightning  <br>Boiler or gas explosion  <br>(Coverage can be adjusted depending on your mortgage bank’s requirements) </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">0.03% of sum insured </td></tr></tbody></table>   

<table style="border-collapse:collapse;border-spacing:0" class="tg"><thead><tr><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal" colspan="3">HSBC (underwritten by AXA General Insurance) </th></tr></thead><tbody><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Plan </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Event covered  </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Premium rate </td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Standard Cover </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Fire and lightning <br>Explosion <br>Typhoon, windstorm and flood <br>Landslip and subsidence <br>Earthquake </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">0.11% of sum insured </td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Comprehensive Cover </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Fire and lightning <br>Explosion <br>Typhoon, windstorm and flood <br>Landslip and subsidence <br>Aircraft <br>Earthquake <br>Vehicle impact (by third party vehicle) <br>Riot and strike <br>Malicious damage <br>Water tanks, apparatus and pipes </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">0.15% of sum insured </td></tr></tbody></table>

<table style="border-collapse:collapse;border-spacing:0" class="tg"><thead><tr><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal" colspan="3">Standard Chartered (underwritten by Allianz) </th></tr></thead><tbody><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Plan </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Event covered  </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Premium rate </td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Standard Cover </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Fire, thunderbolt or subterranean Fire <br>Explosion <br>Aircraft damage <br>Water tanks, apparatus or pipes <br>Theft <br>Impact by road vehicle <br>Earthquake or volcanic eruption <br>Hurricane, cyclone, typhoon, windstorm and flood <br>Riot and strike <br>Malicious damage <br>Sprinkler Leakage <br>Landslip and subsidence <br>Spontaneous combustion <br>Bush fire </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">0.125% of sum insured </td></tr></tbody></table>

<table style="border-collapse:collapse;border-spacing:0" class="tg"><thead><tr><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal" colspan="3">BEA (underwritten by Blue Cross Insurance) </th></tr></thead><tbody><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Plan </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Event covered  </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Premium rate </td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Fire Insurance </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Fire <br>Lightning <br>Bush fire <br>Aircraft and other aerial or spatial devices or articles dropped from them <br>Earthquake (fire shock and flood) <br>Explosion <br>Vehicle impact (by any vehicle) <br>Riot and strike <br>Malicious damage <br>Sprinkle leakage <br>Typhoon <br>Windstorm and flood <br>Water tanks, apparatus and pipes  <br>Landslip and subsidence <br> </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">0.15% of sum insured </td></tr></tbody></table>

<table style="border-collapse:collapse;border-spacing:0" class="tg"><thead><tr><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal" colspan="4">AIG </th></tr></thead><tbody><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Plan </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Event covered  </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal" colspan="2">Premium rate </td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal" rowspan="2">Premium Home Plus - Enhanced Version </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal" rowspan="2">Fire <br>Lightning <br>Explosion <br>Earthquake <br>Impact of aircraft <br>Bursting or overflowing of domestic water tanks or pipes <br>Windstorm <br>Typhoon or flood <br>Riot or strike <br>Malicious damage <br>Impact by third party vehicles <br>Landslides and subsidence  </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Sum insured &gt; HK$1.5M </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">0.07% of sum insured </td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Sum insured ≤ HK$1.5M </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">0.08% of sum insured </td></tr></tbody></table>

<table style="border-collapse:collapse;border-spacing:0" class="tg"><thead><tr><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal" colspan="3">Ping An Insurance </th></tr></thead><tbody><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Plan </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Event covered  </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Premium rate </td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Fire Insurance </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">The replacing cost for any loss or damage caused by: <br>Fire; <br>Lightning; or <br>Explosion of boilers or gas used for domestic purpose  </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">0.01% of sum insured </td></tr></tbody></table>

<table style="border-collapse:collapse;border-spacing:0" class="tg"><thead><tr><th style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;font-weight:normal;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal" colspan="3">Kai Fung Insurance  </th></tr></thead><tbody><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Plan </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Event covered  </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Premium rate </td></tr><tr><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Kai Fung Mortgage Insurance </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">Aircraft or other falling objects <br>Fire <br>Lightning  <br>Earthquake <br>Explosion <br>Typhoon <br>Windstorm and flood <br>Bursting or overflowing of water tanks or pipes </td><td style="border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;overflow:hidden;padding:10px 5px;text-align:left;vertical-align:top;word-break:normal">0.05% of sum insured (subject to age of property) </td></tr></tbody></table>

Looking for a Fire Insurance for your new home? With OneDegree, you’ll pay just 0.03% for a policy, and if you find a better rate elsewhere, we’ll match it! Click here to learn more.

Fire insurance, as the name implies, protects you from financial ruin if something unexpected happens to your home in case of a fire. Take a look at what the fire insurance policies available in town cover and how much they cost!

Compare fire insurance in Hong Kong (premiums/coverage)

Does brushing your teeth daily mean that your teeth are sparkling clean? There are actually many hard-to-reach spots in the mouth which renders the toothbrush useless! Some people are accustomed to using dental floss for places in between teeth, while some prefer using mouthwash; but which method can prevent periodontal disease? If you don't want to lose all your teeth in your old age, pay attention on how to maintain oral hygiene!

Periodontal diseases are mainly the result of infections and inflammation of the gums and bone that surround and support the teeth. If left untreated, it might lead to periodontitis, a more serious form of periodontal disease, where the gums pull away from the tooth, bone can be lost, and the teeth may loosen or even fall out.

Bad breath or bad taste that won’t go away 

Gums that have pulled away from your teeth 

Any change in the way your teeth fit together when you bite 

Any change in the fit of partial dentures 

One small change in your routine can help prevent periodontal diseases 

Two words to live by: floss everyday! With good oral hygiene and regular professional cleaning, you can significantly lower the risk of periodontal diseases. You should also see a dentist at least once a year for checkups, or more frequently if you have any of the symptoms mentioned above.

Prevent periodontal disease by making use of mirrors

There are many ways to effectively prevent periodontal disease, one of the ways is to simply take a good look in the mirror! Pay more attention to the gaps between your teeth because it is easy for filth to accumulate, which in turn leads to the growth of oral bacteria. But fear not, you can use dental floss to remove any filth from between your teeth. However, when you floss for the first few times, there is a high chance of bleeding, indicating that your gum is already inflamed and may need to be treated by your dentist.

Stay away from any homemade dental cosmetic procedures  

In recent years, many teeth whitening devices with blue light have been introduced for home use. These devices generally use hydroxide gels and light-emitting devices to produce oxidation-reduction effects to make teeth brighter. However, the composition and concentration of hydroxide in the gel is unstable and may cause damage to the teeth, resulting in gum recession, inflammation of the flesh, and in severe cases, periodontal disease, leaving the foot of the tooth exposed.

Most of the time, using a toothbrush alone does not remove plaque thoroughly, and over time, bacteria can easily grow on your teeth. Flossing can effectively remove plaque and prevent periodontal disease. The best way to prevent gum inflammation is to use a toothbrush and floss together. It is recommended that you visit your dentist regularly to get rid of any stains that cannot be cleaned on a regular basis.   

Since dental care is not covered by general insurance or company medical insurance, be sure to protect your teeth from largely preventable dental diseases by upholding high standard of oral hygiene! 

Grasp the opportunity to enjoy a free dental cleaning 

OneDegree cares about your daily health as much as you do! Our newly launched OnePass Wellness Program offers 1,000+ medical and wellness benefits, and you can even get a free oral exam and dental cleaning if you become a member before 28 February 2022! Register now at: https://onepass.onedegree.hk/en-us

Listen to your dentist: floss everyday to prevent periodontal disease!

Listen to your dentist: floss everyday to prevent periodontal disease

Here’s a rapid-fire question for you: What are the words you associate with Lunar New Year? For us human beings, the answer would probably be good fortune, prosperity, happiness, and reunion; but if our doggos and puppers can speak our language, the only answer would be, quite surely, FOOOOOOOOOOOOD!  

Although many pawrents are more than tempted to “accidentally” drop a bit of mouthwatering festive food on the floor for the pooch, human food is unsafe and unhealthy for our furry friends to consume most of the time. Unlike humans, salt, sugar, and most of the spices, will have an adverse effect on their health and body, so to keep our beloved pet safe, we should refrain from offering them a bite of that steamy carrot cake during the Chinese New Year feast!  

Instead of sneaking them a bite of this and that under the table, why not make some dog-friendly festive food, so they can have a CNY feast together to celebrate the coming of the Year of the Tiger? Not sure what to make? No worries, we have got your back! Give the koi-fish rice cake recipe below a try!  

Pumpkin 120g 
Flounder 70g (skinless and boneless)  
Rice flour 82g  
Cornstarch 15g  
Water 140g  

1. Peel the pumpkin, remove the seeds, wash and cut the pumpkin, steam it for 15 minutes, put it into a blender and mix it into a paste for use.  
2. Sift rice flour and cornstarch, add water and stir until it becomes a smooth white paste; take half of it (about 100g) and mix it with pumpkin paste to make an orange paste.  
3. Cut flounder into pieces and set aside.  
4. Boil water to prepare for steaming, preheat the small fish mold for 3 minutes, then pour in a little orange paste (or a little white paste if the color ratio of the carp is the opposite), cover and steam for 2 minutes on high heat.  
5. Open the lid and pour in another color of paste to 70% full, add an appropriate amount of flounder, press it with a teaspoon to keep the meat from floating, then pour in the same color of paste and steam over high heat for 17-20 minutes (depending on the size of the mold).  
6. Remove from the mold and let cool completely before removing and serving to your pooch. 

It is important to keep in mind that you should feed only a moderate amount of doggy festive food to your furry friends! To ensure your doggo is living a healthy and happy life, it is also imperative to take them for a regular check-up with the vet. For an even more comprehensive protection, you can consider purchasing the ultimate protection plan for them! Click here to learn more!

Source: http://www.joycemiaka.com/2015/01/blog-post_29.html 

Instead of sneaking your pup a bite of festive food under the table, why not make some dog-friendly koi-fish rice cake so they can have a CNY feast together to celebrate the coming of the Year of the Tiger?

Celebrate the Year of the Tiger with Your Pooch the Yummy Way!  

With one of the most well-loved festivals right around the corner, are you ready for the onslaught of amazing and mouthwatering festive food coming your way? 

Chinese New Year, on top of red packets and family reunion, is well-loved by people because of the rich array of delicious food that comes with it! In most of the households, you can most certainly find a Chinese Candy Box awaiting your arrival when you go and offer festive greetings. The most common sweets you can find in there are chocolate coins, dried candied lotus seeds and roots, dried candied coconut, dried candied ginger, dried candied water chestnut... In other words, you can expect to find treats that can satisfy your sweet tooth in the box. After helping yourself to some sweet treats, you move on to the star dishes of the festival —various kinds of cakes, both sweet and savory, like sweet rice cakes and turnip cakes.

In a way, Chinese New Year is like the Bermuda Triangle, or would it be more accurate to say, many people’s tummy BECAME the Bermuda Triangle—you indulge in a sea of scrumptious food day after day and leave the consequences (or guilt of eating too much food) afterwards. Not only is this practice unhealthy for your emotional wellbeing, a sudden surge of food intake can have an adverse impact on your body, especially when a lot of the festive foods are considered unhealthy (Dried candied everything? Enough said!). But of course, forcing yourself to stay away from all festive foods is not a remedy. To help you enjoy the festival and the upcoming feasts in a healthy way, here are some tips for you to consider: 

1. Reduce the amount of intake per meal, increase the number of meals instead 


During the holidays, try to split three main meals into six small meals, as it can effectively reduce your body's burden of handling large amounts of food and sugar at each meal. If six small meals are difficult to arrange, reduce the size of the main meal slightly (about 10% to 20%) and add a snack between meals, such as a piece of fruit or one to two slices of steamed turnip cake. 

Fried foods are common among Chinese New Year foods. To avoid excessive fat from affecting blood vessel health, it is recommended to pick and choose only one to two of your favorite fried foods. You can choose cakes without preserved sausage or meat, and steam or bake them instead of frying! 

Instead of dried candied treats, you may replace them with ready-to-eat chestnuts, dried goji seeds, nori, unsweetened dried fruit, plain nuts, sugar-free chewing beads/mint, freeze-dried fruits and vegetables (such as okra and mushrooms)! 

  
It is also a tradition to bring gifts like boxes of cookies and chocolates while paying your loved ones a visit during the festival, but instead of gifting them unhealthy treats, why not offer them the best protection in town? OneDegree’s Critical Illness Insurance offers comprehensive protection with a premium as low as HKD 30 /month. This might just be the most thoughtful Chinese New Year gift ever! Click here to learn more!

With one of the most well-loved festivals right around the corner, are you ready for the onslaught of amazing and mouthwatering festive food coming your way? Here are some tips for you to enjoy the festival and the upcoming feasts in a healthy way!

Yum Food in Your Tum Tum This Chinese New Year!

Sometimes, our furry best friends can tell when we’re sick and they do their best to cheer us up. Can you tell when your dog is not feeling well? As dog parents, we should be aware of the common canine health issues and notice when something is bothering your furry one.

It’s easier to treat a condition that’s identified early on, so be attentive of any symptoms and take them to the vet as soon as possible.

Canine ear canals are shaped differently than humans, making it easier for wax and debris to accumulate and causing bacteria or yeast to breed. Ear infection is a common doggie problem and breeds with long, floppy ears seem to be more vulnerable to it. If a simple infection of the outer ear canal isn’t taken care of, it can spread further into the ear and become a very painful ordeal for your furry best friend.

How to prevent it: Regular cleaning of your dog’s ears will help reduce the chances of infection. Grooming dogs with long fur and drying their ears after a swim or bath are also prevention measures you can take. However, some ear infections may be caused by other factors such as allergies, injury, or thyroid disorders. Ask your vet for help if you’re unsure of the cause of the infection.  

Not only do they make dogs very itchy and uncomfortable, fleas and ticks can cause real harm to your furry best friend’s health. They can carry serious diseases and they can suck a large amount of blood from our canine friends, leading to anaemia and other complications. Even if your doggie isn’t outside that often, these parasites can easily be brought home on your shoes, bags, or clothes!

How to prevent it: It’s inevitable your dog will come into contact with fleas and ticks, especially in Hong Kong’s warm climate. There are pest control products available for pets, as well as tick collars. Be vigilante about checking your pup’s fur for any sign of fleas or ticks. It’s easier to deal with the pests early on before the infestation gets serious.

Heartworm is just as terrible as it sounds – it is a parasite transmitted by mosquitoes that settles in the heart and surrounding blood vessels. It can lead to heart failure, serious damage to the lungs and other organs, and even death. As heartworms take time to mature and multiply, it may be a few years before an infected dog shows symptoms. The parasite is not directly transferrable to other dogs and it’s rare for humans to be infected.

How to prevent it: Treating heartworm can be a long and difficult process, not to mention expensive. The good news is that heartworm is preventable. You can choose either to bring your furry friend for an annual injection or take a monthly tablet to prevent the dangerous parasite. Your vet can perform a blood test to determine whether there is a heartworm infection.

Creaky knees and stiff joints comes with aging, for both humans and dogs. But when the joint cartilages are worn down, it can cause a lot of pain for our canine friends and affect their mobility. The most common type of arthritis for dogs is called degenerative joint disease, or osteoarthritis.

How to prevent it: Managing your pup’s weight is the best way to prevent osteoarthritis. Excess weight puts more pressure on the joints, speeding up the degeneration of cartilages. Make sure your furry companion is eating a healthy diet and getting enough exercise!

This is a tricky one as there can be many possible reasons why your dog is vomiting and/or suffering from diarrhea. The culprit could be anything from viruses, bacteria, food allergies, or ingesting something toxic. If the symptoms persist, or if you notice blood in your dog’s vomit or poop, it’s important to get him or her to the vet right away.

Prevention is definitely the best medicine. But despite our best efforts, our furry ones may still fall sick and require medical attention. Pawfect Care offers affordable and comprehensive coverage to help pet parents give their furry ones the care they need. Check out our Dog Insurance page for more details.

As dog parents, we should be aware of the common canine health issues and notice when something is bothering your furry one.

Common health problems for dogs and how to prevent them?

Common health problems for dogs and how to prevent them

The term “nano flat” is generally understood as studio flats measuring less than 200 sq-ft in size. The proliferation of these poky quarters in earlier years was driven by tightened mortgage rules and the subsequent boiling property market.

Nano flats may be your best option when your budget is tight, especially if you are looking for a starter home for just yourself and your partner, or if you feel an urge to buy a property and stop spending money on rent. Take T-Plus in Tuen Mun as an example. In April 2021, a 131 sq-ft unit was sold at the price of HKD 2.5 million. That means the down payment could be as little as HKD 250,000 with a 90% mortgage. 

Earlier years saw a buoyant demand for nano flats in the local second-hand housing market, and most nano flat buyers took just a few years to move up to bigger and more expensive homes. The market levelled off, however, with the government announcing in 2020 policy address relaxed mortgage ceiling. The maximum value of properties eligible for mortgage loans with a 90% loan-to-value (LTV) ratio borrowed by first-time homebuyers was raised from HKD 4 million to HKD 8 million. Under such new rules, buyers can set their sights on pricier, larger flats – a property that is 100 to 200 sq-ft bigger in size means only an additional HK$100,000 to 200,000 for down payment.

Is nano flat a profitable rental property?

If you’re thinking about buying a nano flat to rent out, beware of the risk. The pandemic has pushed rents down in general so nano flats might not sound as attractive to renters as before. At a similar rent, there are better options on the market such as bigger flats, or serviced apartments that are fully furnished and equipped. Unless your nano flat ticks all the boxes – location, amenities and commuting time – it’s not easy to earn a good income from rent.


Be a smart homeowner and choose Fire Insurance carefully   

All in all, with property prices in Hong Kong remaining high in the long run, nano flats or small flats are still the first choice for many people. Whether you are investing in rentals or for yourself, the number one rule of home ownership is to always be smart with your money. When choosing a property, you should also remember to carefully select the necessary Fire Insurance for your mortgage application!     

Most banks will require homeowners to purchase fire insurance before approving a mortgage, and they will also provide fire insurance to customers when they apply for a mortgage. However, many people do not know that they can choose other Fire Insurance, and they do not know that even if they already have it, they can change to another plan at any time! According to a market survey, insurance companies can charge up to 0.15% of the insured amount as premium each year, while OneDegree Fire Insurance only charges 0.03%, saving you up to 80% of the premium, learn more now!

Is there still a market for nano flats?

From now until 28th Feburary 2022 when you enroll in Fire Insurance with the referral code【HOMEPOD】, you can receive a HKD 200 PARKnSHOP cash coupon for any Fire Insurance policy with a total annual premium below HKD 1,200; if the total annual premium is above or equal to HKD 1,200, you can receive an Apple HomePod mini (worth HKD 749)!

1. This promotion is valid from 28 January to 28 February 2022 (“Promotion Period”).    

2. Customers must complete the fire insurance policy purchase on the OneDegree website www.onedegree.hk and enter “HOMEPOD” as the referral code. Customers whose policy is still effective as of 31 May 2022, will get one of the below rewards (“Reward”): Premium (excluded premium levy) is between HKD 400 – HKD 1199: HKD 200 ParknShop Supermarket Cash Coupon (“Coupon”); Premium (excluded premium levy) is over HKD 1199: Apple HomePod Mini (“HomePod”).  

3. Only one referral code may be used per policy purchase. The referral code will be deemed invalid if more than one referral code is input on the checkout page.  

4. The Reward is only available to customers purchasing OneDegree fire insurance for the first time.  

5. A customer who successfully purchases a policy using the referral code during the Promotion Period, and provided that the policy is still effective by the time of collection of the Coupon or HomePod, (“Eligible Reward Recipient”) will receive an email about the collection arrangement of the Reward in the week of 31 May 2022 via the email address provided during policy purchase. Customers should ensure that their email address provided during policy purchase is accurate. OneDegree is not responsible for any delivery failure due to errors or missing information in the email address provided. Actual reward collection date may vary as it is subject to stock availability. If the Reward is out of stock, it will be replaced by a product with the same value.  

6. If the policyholder cancels the fire insurance policy during the policy term, OneDegree reserves the right to deduct the value of Reward from any premium refund.  

7. The Reward cannot be transferred, returned, exchanged for cash, or exchanged for other products or services under any circumstances.  

8. The Coupon is subject to the terms and conditions imposed by the supermarket coupon supplier. In case of any enquiry or dispute in relation to the Coupon, customers should deal with the supermarket coupon supplier directly.   

9. For details of coverage, terms, conditions, and exclusions of OneDegree fire insurance, please refer to the policy wording.   

10. All matters or disputes in relation to this promotion and the interpretation of these terms and conditions shall be subject to the decision of OneDegree, which shall be final and binding.   

11. In case of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail. 

OneDegree Fire insurance January Flash Deal

After attempting to answer the one question all pawrents are dying to know (Whether they should dress their furry friends in winter — you can check out the article here: URL), let’s move on to another controversial topic: Do puppers and doggos require a different diet for winter?

Much like humans, doggos require more calories for warmth during the colder seasons of the year. If you have been feeding your pup the same kibble year-round, take this as an opportunity to switch things up for your baby with some seasonal feeding! Warm reminder: before you make any alterations to your pet’s diet, please consider consulting your veterinarian to find out what your pet may or may not be allergic to!

Unless your doggo is a full-time snuggler who would rather sit on your lap all day than to do zoomies and go crazy, winter is the perfect time to offer them healthier carbs, since even with thicker coats, cold weather activities require more energy, which can be up to three times as many calories as are needed during summertime! You can try spicing up your pup’s meal with the below:

You can even give this dog-friendly chicken soup recipe a try!

Place three to four chicken thighs in six cups of water. You can also add chopped celery and carrot.

Bring to a boil and simmer for 1½ to 2 hours.

Remove skin and bones, and set meat aside.

Strain broth and use it to boil 1 to 2 cups of chopped vegetables (like carrot, celery, yam, cauliflower) for 20 minutes.

After attempting to answer the one question all pawrents are dying to know (Whether they should dress their furry friends in winter — you can check out the article here: URL), let’s move on to another controversial topic: Do puppers and doggos require a different diet for winter? ？