Hong Kong residents should take into consideration whether an employer will provide accommodation or rental subsidy including "Housing Provident Fund", and should also try to find out more about the environment, transportation and security condition of the surrounding area of the accommodation.

Some large-scale enterprises in the Mainland provide quarters to employees. As the living environment and conditions of quarters vary according to individual employers, job seekers are advised to obtain details from their prospective employers in advance. If quarters are not provided, job seekers may need to make arrangements themselves. In renting a flat, an advance payment of deposit are often required. They should also make clear whether the rental will cover electricity bill and maintenance fee etc. Job seekers may visit websites of property agencies in the Mainland for more information of rental charges.

In November 2017, the relevant Central Government departments formulated the "Opinions on Issues concerning the Enjoyment of Housing Provident Fund Treatment by Hong Kong, Macao and Taiwan Compatriots Working in the Mainland"(《關於在內地（大陸）就業的港澳台同胞享有住房公積金待遇有關問題的意見》) (Simplified Chinese only). Under the policy, the people of Hong Kong working in the Mainland may contribute to housing provident funds in accordance with the "Regulation on the Management of Housing Provident Fund"(《住房公積金管理條例》) (Simplified Chinese only) and relevant policies. They can join the Housing Provident Fund and enjoy the same treatment accorded to Mainland residents in terms of base deposit, deposit ratio, processing procedures, as well as the drawing of money from the Housing Provident Fund, and the application for personal housing loans under the Housing Provident Fund, etc. People from Hong Kong leaving the Mainland to relocate back to Hong Kong will be allowed to withdraw any remaining balance in their Housing Provident Fund accounts.

For other relevant information, please visit:

1. Practice Guide for Hong Kong Residents Living in the Mainland (Chinese Version Only) (Provided by the Hong Kong Economic and Trade Office in Guangdong)
2. 港人在內地生活資訊短片：港人在內地租房，購買住宅及商用物業的手續及注意事項 (Chinese Version Only) (Provided by the Guangdong-Hong Kong-Macao Greater Bay Area Development Office)

Under the Scheme, the participating graduates are employed by Hong Kong enterprises and deployed to work in Mainland. Their salaries are paid in Hong Kong and they will also participate in the Hong Kong Mandatory Provident Fund in accordance with Hong Kong laws. Since they have established employment relationship with foreign employers and have not entered into any employment contract with employing entities in the Mainland, they are not required to participate in social security insurance (i.e. basic pension insurance, basic medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance), and there is no need to join the housing provident fund in the Mainland.

For Hong Kong residents who work in the Mainland and have signed an employment contract with a Mainland employer, they should enroll in social security scheme (including pension, unemployment insurance, medical insurance, work related injury insurance and maternity insurance) and contribute payment in accordance with the "Social Insurance Law" (《社會保險法》) (Simplified Chinese only), "the Interim Regulations on the Collection and Payment of Social Security Premiums" (《社會保險費徵繳暫行條例》) (Simplified Chinese only) and relevant regulations of the region where they are employed.

The three basic principles concerning the enrollment of social security scheme are:

1. Hong Kong residents, who are employed in the Mainland and have signed an employment contract with an employer, should enroll in the social security scheme of the region where the employer is located;
2. Hong Kong residents who run businesses in the Mainland as proprietors should make social security contribution for their employees; and
3. Hong Kong residents who have established employment relationship with foreign employers or employers in Hong Kong, Macao and Taiwan and are deployed to the Mainland may not need to enroll in social security scheme if they have not entered into any employment contract with employers in the Mainland.

Details of implementation of the above rules may vary from region to region. Hong Kong residents working in the Mainland should know their social security status and contributions made, pay close attention to the latest announced regulations and policies, and ensure that the relevant requirements are complied with.

Hong Kong residents may consider taking out additional commercial insurance policies (e.g. property, life, accident and medical insurance) to suit their individual needs if they find the protection provided by their employment contracts inadequate.

For other relevant information, please visit:

1. Practice Guide for Hong Kong Residents Living in the Mainland (Chinese Version Only) (Provided by the Hong Kong Economic and Trade Office in Guangdong)
2. 港人在內地生活資訊短片：港人如何參加內地社會保險 (Chinese Version Only) (Provided by the Guangdong-Hong Kong-Macao Greater Bay Area Development Office)