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Manulife has a generally competitive fee structure compared to other financial institutions in Hong Kong. Many of its insurance and savings products, such as the Manulife account and Manulife investments, come with low management fees or no monthly maintenance fees. For example, the Manulife Plus account provides high interest rates on savings without any monthly fees. However, investment-linked products like ILAS can come with complex fee structures, including management fees and charges based on policy value or performance. Additionally, Manulife reviews indicate that exchange rate fluctuations may impact premiums for policies denominated in foreign currencies. From my perspective, the lack of monthly account fees for products like Manulife asset is attractive for savers, but the fees associated with investment-linked products can be complex. Therefore, it’s essential to understand these fees thoroughly before committing to such products.