<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- Main app (single-URL SPA: explorer, comparison, dashboard, tools, about
       all render at / via client state; language en/zh/sc also served at /). -->
  <url>
    <loc>https://mpfgo.hk/</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="en-HK" href="https://mpfgo.hk/"/>
    <xhtml:link rel="alternate" hreflang="zh-Hant-HK" href="https://mpfgo.hk/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mpfgo.hk/"/>
  </url>

  <!-- Standalone calculator pages (real static HTML, crawlable without JS). -->
  <url>
    <loc>https://mpfgo.hk/tools/fer.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mpfgo.hk/tools/retirement.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

</urlset>
