ETF Expense Ratio Calculator
See how ETF management fees eat into your returns over time. Compare the long-term impact of different expense ratios on your investment growth.
Key Takeaways
- • Tracker Fund (2800) has the lowest expense ratio at 0.09% — one of the cheapest ETFs in Hong Kong
- • A 0.9% difference in expense ratio can cost you HK$780K+ on a HK$500K investment over 30 years at 7% return
- • The fee drag compounds over time — small differences matter more the longer you invest
Investment Parameters
With Fees
HK$1.90M
Without Fees
HK$1.93M
Total Fees Paid
HK$18,268
Fee Drag
1.67%
Over 20 years, a 0.09% expense ratio costs you:
HK$32,290
That's 6% of your original investment lost to fees alone
Growth Comparison Over Time
Popular HK ETF Expense Ratios
| ETF | Expense Ratio | 20Y Value | Fees Lost |
|---|---|---|---|
| 2800.HKTracker Fund (HSI) | 0.09% | HK$1.90M | HK$32,290 |
| 3067.HKiShares Core HSI ETF | 0.25% | HK$1.85M | HK$88,434 |
| 3033.HKHang Seng Tech ETF | 0.99% | HK$1.61M | HK$328,246 |
| 2822.HKCSOP A50 ETF | 1.05% | HK$1.59M | HK$346,335 |
Frequently Asked Questions
What is an ETF expense ratio?+
The expense ratio (or TER) is the annual fee charged by the ETF provider as a percentage of your investment. It covers management, administration, and other operational costs. The fee is not billed separately — it is automatically deducted from the fund's daily net asset value.
How much impact does fee drag have over 30 years?+
Significant. On HK$500K invested at 7% annual return, the Tracker Fund (0.09%) grows to about HK$3.64M after 30 years, while the Hang Seng Tech ETF (0.99%) reaches only HK$2.86M. That 0.9% annual difference compounds to roughly HK$780K lost to fees.
What are common HK ETF expense ratios?+
Tracker Fund (2800): 0.09%, iShares Core HSI (3067): 0.25%, Hang Seng Tech (3033): 0.99%, CSOP A50 (2822): 1.05%. Broad market index ETFs tend to be cheaper; thematic and sector ETFs typically charge more.
Is a lower expense ratio always better?+
Not always. Also consider tracking error, liquidity (bid-ask spread), and the specific exposure you want. Among ETFs tracking the same index, lower fees usually win. But a thematic ETF with a higher ratio might still be appropriate if it provides exposure you cannot get elsewhere.
Related Guides
Hong Kong ETF Guide for Beginners
Everything you need to know about ETF investing in Hong Kong.
Hang Seng Tech ETF Guide
Is the 0.99% expense ratio worth it for tech exposure?
Hang Seng Index ETF Investing Guide
Compare Tracker Fund, iShares, and other HSI ETFs.
ETF Dollar Cost Averaging Strategy
How to DCA into ETFs and reduce timing risk.
This calculator provides estimates for reference only. Actual ETF returns and expense ratios may vary. Past performance does not guarantee future results. moomoo and TradingView are affiliate links.