Start your day with BT ☕️:

1. Companies : Hong Kong stocks plunge more than 9%, biggest fall in 16 years https://bt.sg/n47t

2. Singapore : Online application for Giro payments to benefit over two million taxpayers https://bt.sg/LWPB

3. Companies : (Opinion) Telcos should face tougher regulations to ensure service standards amid Smart Nation push https://bt.sg/yuJz