When a loved one passes, finding their assets shouldn't add to your grief. AssetCadet professionally locates bank accounts, properties, investments, insurance policies, and more — so you can focus on what matters.
當摯愛離世，尋找他們的資產不應該加重您的哀傷。AssetCadet 專業地為您搜尋銀行帳戶、物業、投資、保險及其他資產 — 讓您專注於最重要的事。
Many families discover too late that valuable assets are left unclaimed. Don't let that happen to you.許多家庭太遲才發現有價值的資產無人認領。別讓同樣的事情發生在您身上。
Seniors often hold accounts at multiple banks. Without proper records, these accounts may remain dormant and eventually be absorbed by the government.長者通常在多間銀行持有帳戶。如果沒有適當記錄，這些帳戶可能變成不動帳戶，最終被政府充公。
Life insurance payouts worth hundreds of thousands go unclaimed every year because beneficiaries don't know the policies exist.每年有數以十萬計的人壽保險賠款無人認領，因為受益人根本不知道這些保單的存在。
Properties registered decades ago, village houses, or co-owned properties may be overlooked without a thorough Land Registry search.數十年前登記的物業、村屋或共同擁有的物業，如果沒有進行徹底的土地查冊，可能會被遺漏。
After changing jobs multiple times, MPF balances can be spread across many trustees. Locating all of them requires systematic searching.多次轉工後，強積金結餘可能分散在多個受託人。要找到全部需要有系統地搜尋。
Hong Kong's probate system requires identifying ALL assets before applying for a Grant. Missing assets can delay the entire process for months.香港的遺產承辦程序要求在申請遺產承辦書前找出所有資產。遺漏資產可能令整個過程延遲數月。
Assets held in Mainland China, overseas bank accounts, or foreign property add layers of complexity that require specialist knowledge.在中國內地持有的資產、海外銀行帳戶或外國物業增加了複雜性，需要專業知識處理。
We leave no stone unturned in locating every asset your loved one left behind.我們不遺餘力地搜尋先人遺留的每一份資產。
Systematic search across all financial institutions, registries, and government departments to locate every asset.有系統地搜尋所有金融機構、登記處及政府部門，找出每一項資產。
Trace all insurance policies and government benefits owed to the estate of the deceased.追蹤所有保險保單及應付予遺產的政府福利。
End-to-end support for the probate process, working with your solicitor to ensure a smooth estate administration.為遺產承辦程序提供全程支援，與您的律師合作確保遺產管理順利進行。
Locate safe deposit boxes held at banks and private vault facilities across Hong Kong.搜尋在香港各銀行及私人保管箱設施中的保管箱。
Modern estates often include digital assets that can be difficult to locate and access without expert help.現代遺產通常包含數碼資產，沒有專業幫助很難找到和存取。
For assets held outside Hong Kong, we coordinate with our international network of partners.對於在香港以外持有的資產，我們與國際合作夥伴網絡協調搜尋。
We handle the complexity so you don't have to.我們處理複雜的事務，讓您不必擔心。
Tell us about your situation. We'll assess what assets may exist and recommend a search plan.告訴我們您的情況。我們會評估可能存在的資產並建議搜尋計劃。
We guide you through the documents needed — death certificate, ID, and any known records.我們會指導您準備所需文件 — 死亡證明、身份證明及任何已知記錄。
Our team systematically searches all relevant institutions and registries. You receive regular progress updates.我們的團隊有系統地搜尋所有相關機構和登記處。您會定期收到進度報告。
Receive a comprehensive report of all located assets with valuations and next steps for claiming.收到一份完整報告，列出所有找到的資產、估值及領取的下一步行動。
From bank accounts to digital assets, we know where to look.從銀行帳戶到數碼資產，我們知道在哪裡尋找。
All HK & overseas banks所有香港及海外銀行
Land Registry search土地註冊處查冊
CCASS & brokerages中央結算及證券行
All MPF trustees所有強積金受託人
Life & general insurance人壽及一般保險
Banks & private vaults銀行及私人保管箱
Transport Dept. search運輸署查冊
Companies Registry公司註冊處查冊
Digital wallets & exchanges數碼錢包及交易所
Jewelry, art & collectibles珠寶、藝術品及收藏品
Money owed TO deceased他人欠先人的款項
International searches國際資產搜尋
A step-by-step guide for families in Hong Kong.香港家庭的逐步指南。
The attending doctor issues a Medical Certificate of Cause of Death. Register at the Births & Deaths Registry within 24 hours.
Register at the Births and Deaths General Register Office. You'll need the deceased's HKID and the medical certificate.
Book through the Food and Environmental Hygiene Department (FEHD) or a licensed funeral director.
Search the deceased's belongings, safe deposit box, and ask their solicitor. Check the Wills Registry at the High Court.
This is where AssetCadet helps. Search bank accounts, properties, investments, insurance, MPF, and more.
If there's a will: apply for Grant of Probate. No will: apply for Letters of Administration at the Probate Registry.
Pay off any outstanding debts, taxes, and liabilities from the estate before distribution.
Distribute assets according to the will, or under the Intestates' Estates Ordinance if there is no will.
主診醫生簽發醫學死因證明書。須在24小時內到生死登記處辦理登記。
到生死登記總處辦理。需要先人的香港身份證及醫學證明。
透過食物環境衛生署（食環署）或持牌殯儀服務商安排。
搜查先人物品、保管箱，並聯絡其律師。可到高等法院遺囑登記處查詢。
這就是 AssetCadet 可以協助您的地方。搜尋銀行帳戶、物業、投資、保險、強積金等。
有遺囑：申請遺囑認證書。無遺囑：到遺產承辦處申請遺產管理書。
在分配遺產前，從遺產中清還所有未償還的債務、稅款及負債。
按照遺囑分配資產；如無遺囑，則根據《無遺囑者遺產條例》分配。
The process of locating and claiming inherited assets in Hong Kong can be overwhelming. Let our experienced team guide you through every step.在香港尋找及認領遺產的過程可能令人不知所措。讓我們經驗豐富的團隊引導您完成每一步。
Choose the plan that fits your needs. All plans include a free initial consultation.選擇適合您需要的計劃。所有計劃均包含免費初步諮詢。
"After my father passed, we had no idea he had accounts at 4 different banks and an old insurance policy. AssetCadet found over HK$800,000 we never knew existed." 「父親過世後，我們完全不知道他在4間不同銀行有帳戶，還有一份舊保單。AssetCadet 找到了超過80萬港元我們從未知道的資產。」
"The probate process was so daunting. AssetCadet not only found all of mum's assets but also connected us with a great solicitor. The whole process was so much smoother." 「遺產承辦的過程太令人卻步了。AssetCadet 不僅找到了媽媽所有的資產，還為我們介紹了一位出色的律師。整個過程順暢多了。」
"My grandmother had properties in the New Territories that none of us knew about. AssetCadet's land search uncovered a village house worth over HK$5 million." 「我們都不知道祖母在新界有物業。AssetCadet 的土地搜尋發現了一棟價值超過500萬港元的村屋。」
When someone dies without a will, assets are distributed under the Intestates' Estates Ordinance (Cap. 73).當先人沒有遺囑時，資產根據《無遺囑者遺產條例》（第73章）分配。
| Surviving Relatives | Distribution |
|---|---|
| Spouse only (no children, parents, or siblings) | Spouse takes the entire estate |
| Spouse + children | Spouse: personal chattels + HK$500,000 + half of remainder Children: share the other half equally |
| Spouse + parent(s), no children | Spouse: personal chattels + HK$1,000,000 + half of remainder Parent(s): share the other half equally |
| Spouse + sibling(s), no children or parents | Spouse: personal chattels + HK$1,000,000 + half of remainder Siblings: share the other half equally |
| Children only (no spouse) | Children share the entire estate equally |
| Parents only | Parents share the entire estate equally |
| Siblings only | Siblings share equally (per stirpes) |
| No qualifying relatives | Estate goes to the government as bona vacantia |
| 在世親屬 | 分配方式 |
|---|---|
| 僅有配偶（無子女、父母或兄弟姊妹） | 配偶獲得全部遺產 |
| 配偶 + 子女 | 配偶：個人物品 + HK$500,000 + 剩餘一半 子女：均分另一半 |
| 配偶 + 父母，無子女 | 配偶：個人物品 + HK$1,000,000 + 剩餘一半 父母：均分另一半 |
| 配偶 + 兄弟姊妹，無子女或父母 | 配偶：個人物品 + HK$1,000,000 + 剩餘一半 兄弟姊妹：均分另一半 |
| 僅有子女（無配偶） | 子女均分全部遺產 |
| 僅有父母 | 父母均分全部遺產 |
| 僅有兄弟姊妹 | 兄弟姊妹均分（按房計算） |
| 無合資格親屬 | 遺產歸政府所有（無主財物） |
Key departments and registries you may need during the estate process.遺產處理過程中您可能需要的主要部門和登記處。
Book a free, no-obligation consultation with our asset search specialists. We'll assess your situation and recommend the best course of action.預約免費、無義務的諮詢，與我們的資產搜尋專家面談。我們會評估您的情況並建議最佳方案。