The photo was probably taken before 1926 as the government officially adopted the two words after then. However, prior to that the two words might have occasionally been used. This is my two-bits.
The postcard shows the poles for the overhead wires of the tram. Therefore, the date is after 1904, possibly around 1910. Compare the photo below which shows the same buildings:
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North Point, Hongkong
The photo was probably taken before 1926 as the government officially adopted the two words after then. However, prior to that the two words might have occasionally been used. This is my two-bits.
Date of the photo
The postcard shows the poles for the overhead wires of the tram. Therefore, the date is after 1904, possibly around 1910. Compare the photo below which shows the same buildings: