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Free Hong Kong tax and MPF calculators

Clear, fast calculators for the numbers Hong Kong people look up most – each one built from the official rules and explained step by step.

Rates last checked 21 Oct 2026

Salaries tax

2025/26 and 2026/27 with the new allowances, standard-rate check and the $3,000 reduction.

Take-home pay

Monthly salary after MPF, with the salaries tax to set aside each month for 2026/27.

MPF contributions

Employer and employee 5% with the $7,100 / $30,000 levels, daily and weekly pay, self-employed.

Mortgage repayment

Monthly instalment, total interest and yearly balance, checked against the HKMA 70% LTV and 50% DSR limits.

Property stamp duty

Ad valorem stamp duty from 26 Feb 2026, marginal relief and the new 6.5% rate.

Property tax

Tax on rental income: rates paid, the 20% statutory allowance, 15% rate and provisional tax.

Rental yield

Gross and net yield on a buy-to-let, with vacancy, running costs and optional stamp duty.

Profits tax

Two-tiered rates for companies and unincorporated businesses, connected entities and the 2025/26 reduction.

Why use these calculators?

  • Built from official sources. Every rate, allowance and threshold comes from the Inland Revenue Department, GovHK, the MPFA or the HKMA, and each page links to the exact source.
  • Shows the working. You see each step – deductions, allowances, which tax method wins – not just a final number.
  • Private. The maths runs in your browser. Nothing you type is sent to us or stored.
  • Tested. The formulas are checked against the IRD's own worked examples and against the exact band edges, such as $4,000,000 and $21,739,120 for stamp duty.
  • English and Traditional Chinese. Each calculator is also available in 繁體中文.

What's new for 2026

  • From 2026/27 the basic allowance rises to $145,000, the married person's allowance to $290,000 and the child allowance to $140,000.
  • 2025/26 salaries tax is reduced by 100%, up to $3,000 per case.
  • From 26 February 2026, homes above $100 million pay 6.5% ad valorem stamp duty, and non-residential property uses a new Scale 3.
  • MPF levels stay at $7,100 (minimum) and $30,000 (maximum) a month.
  • 2025/26 profits tax is reduced by 100%, up to $3,000 per business. Property tax is not covered by that reduction.
  • HKMA mortgage limits: maximum loan-to-value ratio 70% and debt servicing ratio 50% for all properties (since 16 October 2024).

These tools give estimates for general information. They are not tax advice – see our terms and disclaimer.