thanks BASIS, yeh, the Prov fund, gee, contributes over and above your salary 15.5% of income, and you get great fund management. So lets see avg f/o salary x 3 yrs x 15.5% x 1.05% (conservative I know) + same data for 7 years at Capt rate.....
Hell, 10 years in the company and you'll have almost 3 mill HK (US$380K)