273 Hong Kong products will qualify for zero-tariff status under rules governing origin of manufacture. Eighteen service sectors are allowed easier access to mainland market, including telecoms, banking, accounting, logistics and tourism. Investors allowed to buy up to 24.9 per cent of mainland insurance companies. Enhanced co-operation in seven areas of trade and investment. Agreement to come into effect on January 1 next year. Hong Kong estimates it will save $750 million from zero tariffs on exports to themainland Certificate of Hong Kong Origin is a requirement for eligibility of zero tariff.