Working on Hong Kong Separation Agreement? Upload the relevant files to Caira and turn the issue into a practical document checklist. Ask about Hong Kong law, draft letters or forms, and upload files for review.
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• Read the official route before filling blanks; form mistakes often come from missing evidence.

• For HKD 10 million at stake, dates, signatures and attachments deserve a second check.

• Keep a copy of the submitted form and every supporting document.

• Use Caira to draft a checklist and spot missing information before filing.

A Hong Kong separation agreement can be useful as a record of what two people currently understand about living apart, money, children, property, and practical arrangements. It should not be treated as a court order by itself. The official sources for this draft validate divorce and Family Court context, court forms, and children or maintenance application routes, but they do not validate a single government separation-agreement template.

That is why this guide is written as a cautious heads-of-terms checklist rather than a finished legal form.

Start with the status of the relationship

Before drafting anything, write down whether the couple is married, whether either person has started divorce proceedings, whether there are children, and whether there are urgent safety, housing, immigration, or financial issues. A private agreement may help organise facts, but divorce, custody, maintenance, and ancillary relief can involve court procedure and jurisdiction questions. If one person needs a court order, do not assume a signed private note is enough.

Useful Traditional Chinese labels include 分居協議 for separation agreement, 離婚協議 for divorce agreement, 子女安排 for child arrangements, 贍養費 for maintenance, 家事法庭 for Family Court, and 同意命令 for consent order. Use these as headings or document labels, not as proof that a document has already been approved by a court.

Heads of terms to discuss

A cautious separation checklist can cover who lives where, whether either person will move out, how rent or mortgage payments will be handled, what happens to utilities, who keeps which documents, interim financial support, child living arrangements, school fees, medical costs, travel consent, and communication rules. If there are bank accounts, insurance policies, pensions, businesses, debts, or property outside Hong Kong, list them separately. Cross-border assets and non-Hong Kong marriages can make the advice more fact-specific.

Keep each point practical. Instead of saying each party waives all rights forever, write what will happen next month, what information still needs to be exchanged, and which points require legal information and document review. A careful agreement often has a section called matters not yet agreed.

Children and maintenance need special care

Where children are involved, avoid wording that makes the children sound like property to be divided. Record daily care, school pickup, holidays, passports, medical decisions, emergency contacts, and how parents will communicate. If one parent will pay money, state amount, payment date, account, what it covers, and whether school, medical, activity, and travel costs are separate. Do not present a private child arrangement as automatically final if court approval or later court scrutiny may be relevant.

Documents to collect before signing

Prepare identity documents, marriage certificate, children birth certificates, proof of address, tenancy or mortgage documents, bank statements, loan records, tax or salary records, MPF or retirement information, insurance documents, business records, property documents, school-fee notices, medical-expense records, and any existing court papers. If one person is disclosing finances voluntarily, keep the disclosure dated and organised so later discussions do not depend on memory.

Simple heads-of-terms structure

Use a plain structure: parties, background, date of separation, living arrangements, children, interim maintenance, household expenses, assets and debts, documents to exchange, confidentiality or communication boundaries where appropriate, unresolved issues, independent legal information and document review, and signatures. Add a review date only as an internal discussion marker, not as a hard legal deadline unless a Caira or court direction supports it.

Traditional Chinese heading set: 雙方資料, 分居日期, 居住安排, 子女安排, 臨時贍養費, 家庭開支, 資產及債務, 需交換文件, 未解決事項, 獨立法律意見.

A cautious message to the other person

主旨：分居安排及文件清單

[姓名]：我希望以書面方式整理我們現階段的分居安排，包括居住、子女、開支、文件交換及仍未解決事項。這份文件只是協助討論的初稿，並不等同法院命令。涉及離婚、子女、贍養費或財產安排的部分，我們應在簽署前取得獨立法律意見。請確認你可提供的文件及你希望加入討論的事項。謝謝。

Common mistakes

Do not call the document a court order. Do not hide assets or rely on vague promises about later payment. Do not use a generic overseas template without checking Hong Kong procedure. Do not sign under pressure if children, immigration status, housing, violence, or large assets are involved. Do not let a tidy template replace legal information and document review where the consequences are serious.

Where Unwildered fits

Upload the draft heads of terms, marriage documents, financial records, children-related documents, messages, and any court papers. Unwildered can help turn them into a clearer issue list and document checklist before Caira review or official court steps.

Free copyable template: This guide includes a free draft you can copy into Microsoft Word, adapt to your facts, and compare against your documents before uploading the file to Caira.

Copyable Hong Kong separation agreement template

Copy the wording below into Microsoft Word or Google Docs, then replace every square-bracketed section. To make a Word version, copy from the first line of the template to the signature block, paste it into Microsoft Word, then save or download it as a .docx file. Keep the surrounding explanation in this article as guidance, but use the template text as the part to copy.

SEPARATION AGREEMENT HEADS OF TERMS

Parties:
[Full name, HKID/passport] and [full name, HKID/passport].

1. Separation
The parties confirm that they have separated on [date] and intend to live separately while resolving financial, children and property arrangements.

2. Children
The children are [names and dates of birth]. The current care arrangement is [details]. School holidays, handovers, travel and urgent medical decisions will be handled as follows: [details].

3. Housing
The former family home at [address] will be occupied by [party] until [date/event]. Mortgage, rent, rates, management fees and utilities will be paid by [details].

4. Maintenance and Expenses
[Party] will pay [amount] per month for [spousal/child/family] support from [date], plus [school fees/medical/insurance] as follows: [details].

5. Assets and Disclosure
Each party will provide bank, property, company, insurance, pension and liability documents listed in Schedule 1 by [date].

6. Review
These heads of terms are intended to guide discussion and document exchange. Any final order or binding arrangement should follow the correct Hong Kong procedure.

Signed: ____________________ Date: __________
Signed: ____________________ Date: __________

Example filled-in Hong Kong Separation Template

This is a realistic example only. Do not copy the facts unless they match your situation.

SEPARATION AGREEMENT HEADS OF TERMS - EXAMPLE

Parties: Rachel Lee and Marcus Wong.

The parties separated on 1 April 2026. Their son, Ethan Wong, will live with Rachel during school weeks. Marcus will have contact every Wednesday after school and alternate weekends.

The former family home in Taikoo Shing will be occupied by Rachel and Ethan until further agreement or court order. Marcus will pay HKD 35,000 per month for child and household support from 1 June 2026. The parties will exchange bank statements, MPF records, company accounts and property documents by 15 June 2026.

Signed by both parties on 5 May 2026.

Copyable messier Hong Kong separation example

Copy the wording below into Microsoft Word or Google Docs, then replace every square-bracketed section. If you want a .docx file, copy from the first line of the draft to the signature block, paste it into Microsoft Word, and save or download it as a Word document.

DISCLOSURE SCHEDULE

Each party should list salary, bonus, company shares, director loans, MPF, bank accounts, overseas property, related-party transfers, private-school costs, medical costs, cars and credit-card debt.

Example filled-in messier Hong Kong separation example

This example is deliberately a little messy: real files often involve children, blended families, business interests, offshore accounts, disputed valuations, old messages and incomplete paperwork. Use it as a model for the level of detail to gather, not as facts to copy.

DISCLOSURE SCHEDULE - EXAMPLE

Marcus must disclose salary, discretionary bonus, MPF, HSBC portfolio ending 8821, a 35% shareholding in Harbour Robotics Limited, director loan accounts, a Shenzhen apartment bought in his mother's name, and a Mercedes on hire purchase. Rachel must disclose consulting income, a UK savings account used for school deposits, and credit-card borrowing used for therapy and household expenses.

Their son Ethan has private-school fees, speech therapy and travel costs. The separation terms should say who pays monthly support, who pays school and medical expenses directly, what happens during Marcus's overseas work trips, and which records must be exchanged by a fixed date.

This article is general information, not legal, financial, medical or tax advice.