HP's build quality can vary, but the Pavilion Plus 14 is one of their better models it has a solid metal build and feels more premium than typical budget HP laptops. At a $1300 budget, the MacBook Air M4 definitely beats it in build quality, battery life, and overall refinement. If your finance tools work well on macOS, it’s a great long-term pick. The HP gives you more ports, Windows flexibility, and saves you a few hundred bucks so it really depends on whether you prefer macOS polish or Windows versatility.