4.5g plan antielab apartment application times australia brisbane bank account birdie british airways butcher cambodia canada carrefour ccp cisco company conduit credit report criminal criminal conviction dependant visa mother discovery bay ef locker online shopping etfs exo concert tix exo concert tix hk exploration tickets exo food hk travel holidays hong kong inheritance insurance insurance plan investments ird japan job job application kowloon lai chi kok leaving hk leaving hong kong lifestyle motocycles moving network engineer philippines police private hospitals processing property qmas recommendations relocation savings account shenzhen social strike study permit tax residency 183 days tin shui wai transunion us roaming vanguard vhis visa visa advice walkin quota working holiday visa work visa