Calculators

11 tools: Mortgage calculator, Salaries tax calculator, Stamp duty calculator, Long service payment calculator, Severance payment calculator, MPF contribution calculator, Date calculator, Age calculator, BMI calculator, Percentage calculator, Password generator. All tools are free of cost and do not require registration.

You can search by the name of an exam, an identity document or an application form.

Mortgage calculator

A 70% mortgage on a $6,000,000 home over 30 years at 3.5% has a monthly repayment of $18,859.88, which needs a monthly income of at least $37,719.76 at the 50% debt servicing ratio. The maximum loan-to-value ratio is 70%.

  • Uses the current 70% loan-to-value ratio and 50% debt servicing ratio.
  • Shows the minimum income required and the total interest.
  • Includes a yearly repayment schedule.
Calculate mortgage repayment

Worked examples

$6,000,000 home, 70% mortgage, 30 years at 3.5%
Monthly repayment HK$18,859.88; total interest HK$2,589,555.68; income required HK$37,719.76
$5,000,000 home, 60% mortgage, 25 years at 4%
Monthly repayment HK$15,835.11; total interest HK$1,750,531.56; income required HK$31,670.22
$5,000,000 home, 70% mortgage, 20 years at 3.25%
Monthly repayment HK$19,851.85; total interest HK$1,264,444.40; income required HK$39,703.70

Sources: Hong Kong Monetary AuthorityChecked: October 2026

Salaries tax calculator

For the 2026/27 year of assessment, the basic allowance is $145,000. A single person with income of $380,000 and no deductions pays $21,950 in salaries tax. Tax is charged at progressive rates of 2% to 17%, but not more than the standard rate of 15% on net income.

  • Uses the 2026/27 basic allowance of $145,000.
  • Compares progressive and standard rates and takes the lower.
  • Covers joint assessment, children, parents and common deductions.
Calculate salaries tax

Worked examples

Single, income of $380,000 (IRD example 1, 2026/27 allowances)
Net chargeable income HK$235,000; tax payable HK$21,950
Single, income of $380,000, 2025/26 ($3,000 reduction)
Net chargeable income HK$248,000; tax payable HK$21,160
Single parent, 1 child, income of $500,000, $60,000 voluntary contributions (IRD example 2)
Net chargeable income HK$10,000; tax payable HK$200
Married, joint assessment, $800,000 + $120,000, newborn daughter, living with parents (IRD example 3)
Net chargeable income HK$57,000; tax payable HK$1,420

Sources: GovHK; Inland Revenue DepartmentChecked: October 2026

Stamp duty calculator

Stamp duty on a $6,500,000 residential property in Hong Kong is $185,000, and $100 for $4,000,000 or less. From 26 February 2026, the part of a residential price above $100 million is taxed at 6.5%. Buyer's stamp duty and special stamp duty no longer apply to homes.

  • Uses the rates from 26 February 2026, including the new 6.5% band.
  • Also calculates tenancy stamp duty and the 0.1% duty on shares.
  • Shows the marginal relief working and the full rate table.
Calculate stamp duty

Residential (Part 1 of Scale 1 and Scale 2)

Up to HK$4,000,000
HK$100
Above HK$4,000,000 to HK$4,323,780
HK$100 + 20% of the excess over HK$4,000,000
Above HK$4,323,780 to HK$4,500,000
1.5%
Above HK$4,500,000 to HK$4,935,480
HK$67,500 + 10% of the excess over HK$4,500,000
Above HK$4,935,480 to HK$6,000,000
2.25%
Above HK$6,000,000 to HK$6,642,860
HK$135,000 + 10% of the excess over HK$6,000,000
Above HK$6,642,860 to HK$9,000,000
3%
Above HK$9,000,000 to HK$10,080,000
HK$270,000 + 10% of the excess over HK$9,000,000
Above HK$10,080,000 to HK$20,000,000
3.75%
Above HK$20,000,000 to HK$21,739,120
HK$750,000 + 10% of the excess over HK$20,000,000
Above HK$21,739,120 to HK$100,000,000
4.25%
Above HK$100,000,000 to HK$109,574,470
HK$4,250,000 + 30% of the excess over HK$100,000,000
Above HK$109,574,470
6.5%

Ad valorem stamp duty rates from 26 February 2026

Sources: GovHK; Inland Revenue DepartmentChecked: October 2026

Long service payment calculator

Long service payment = last month's wages × 2/3 × years of service, up to $15,000 a year and $390,000 in total. For wages of $18,000 and 5 years of service, it is $60,000. Since 1 May 2025, MPF offsetting has been abolished.

  • Follows the rules after MPF offsetting ended on 1 May 2025.
  • Splits service before and after the transition date and shows the offset.
  • Covers domestic helpers and others not covered by MPF.
Calculate long service payment

Worked examples

Joined on 1 May 2025, 5 years of service, monthly wages of $18,000
Total HK$60,000; can be offset HK$0
Joined on 1 May 2022, 8 years of service, $15,000 before the transition date and $18,000 at the end
Total HK$90,000; can be offset HK$30,000
10 years of service, monthly wages of $40,000 ($15,000 a year cap)
Total HK$150,000; can be offset HK$0
26 years before and 1 year after the transition date, $30,000 a month ($390,000 cap)
Total HK$390,000; can be offset HK$0

Sources: Labour DepartmentChecked: October 2026

Severance payment calculator

Severance payment = last month's wages × 2/3 × years of service, up to $15,000 a year and $390,000 in total. For wages of $18,000 and 5 years of service, it is $60,000. The employee must have at least 24 months of service and be made redundant.

  • Uses the $15,000 yearly and $390,000 total caps.
  • Splits service before and after 1 May 2025.
  • Shows the amount that can be offset by MPF.
Calculate severance payment

Worked examples

Joined on 1 May 2025, 5 years of service, monthly wages of $18,000
Total HK$60,000; can be offset HK$0
Joined on 1 May 2022, 8 years of service, $15,000 before the transition date and $18,000 at the end
Total HK$90,000; can be offset HK$30,000
10 years of service, monthly wages of $40,000 ($15,000 a year cap)
Total HK$150,000; can be offset HK$0
26 years before and 1 year after the transition date, $30,000 a month ($390,000 cap)
Total HK$390,000; can be offset HK$0

Sources: Labour DepartmentChecked: October 2026

MPF contribution calculator

The employer and the employee each contribute 5% of relevant income. On a monthly salary of $25,000, each pays $1,250. Below $7,100 the employee pays nothing, and above $30,000 each pays at most $1,500 a month.

  • Uses the $7,100 and $30,000 relevant income levels.
  • Shows employer and employee contributions and take-home pay.
  • Covers daily or weekly wages and the contribution holiday.
Calculate MPF contributions

Worked examples

Monthly salary of $25,000
Employer HK$1,250; employee HK$1,250
Monthly salary of $6,000 (below $7,100)
Employer HK$300; employee HK$0
Monthly salary of $40,000 (above $30,000)
Employer HK$1,500; employee HK$1,500
Weekly wages of $1,800 (below $1,960)
Employer HK$90; employee HK$0

Sources: Mandatory Provident Fund Schemes Authority; GovHKChecked: October 2026

Date calculator

Find the number of days between two dates, or the date a given number of days before or after a date. For example, 1 January to 31 December 2026 is 364 days, or 365 days if the end date is included.

  • Days between two dates in days, weeks, and years, months and days. The end date can be included.
  • The number of days from Monday to Friday is also shown.
  • The date a given number of days before or after a date, with the day of the week.
Calculate dates

Worked examples

Number of days in 2026, counting both dates
365 days, of which 261 are Monday to Friday
28 February to 1 March in a leap year
2 days, of which 2 are Monday to Friday
100 days after 26 October 2026
Wednesday, 3 February 2027

Age calculator

Find your exact age in years, months and days on today's date or on a given date. For example, a person born on 15 May 1990 is 36 years, 5 months and 11 days old on 26 October 2026.

  • Exact age in years, months and days from the date of birth.
  • Age as on today's date or on the cut-off date in an exam or job notice.
  • Total days since birth and the date of the next birthday.
Calculate age

Worked examples

Born on 15 May 1990, age on 26 October 2026
36 years, 5 months and 11 days; 13,313 days since birth
Born on 29 February 2000, age on 28 February 2027 (not a leap year)
27 years, 0 months and 0 days; 9,861 days since birth

BMI calculator

BMI = weight (kg) ÷ height (m)². For Chinese adults in Hong Kong, the Department of Health classifies a BMI of 23.0 to less than 25.0 as overweight and 25.0 or above as obese; 18.5 to below 23.0 is normal.

  • Categories as per the Department of Health for Hong Kong adults: 18.5, 23.0 and 25.0.
  • Shows the normal weight range for your height.
  • Height in cm or in feet and inches; weight in kg or pounds.
Calculate BMI

Categories as per the Department of Health classification for adults in Hong Kong

Underweight
Below 18.5
Normal
18.5 to below 23.0
Overweight
23.0 to less than 25.0
Obese
25.0 or above

BMI = weight (kg) ÷ height (m)².

Sources: Centre for Health Protection, Department of Health; World Health Organization, Regional Office for the Western PacificChecked: October 2026

Percentage calculator

Percentage = part ÷ whole × 100. For example, 30 is 25% of 120, and marks of 450 out of 600 are 75%. A change from 48 to 60 is an increase of 25%.

  • A percentage of a number, and what percent one number is of another.
  • Percentage of marks out of a total.
  • Percentage increase or decrease.
Calculate percentage

Worked examples

What is 15% of 80?
15% of 80 is 12.
30 is what percent of 120?
30 is 25% of 120.
Marks of 450 out of 600 as a percentage
450 is 75% of 600.
Change from 48 to 60
From 48 to 60 is an increase of 25%.

Password generator

Generate strong random passwords in your browser. The default is 16 characters with capital and small letters, numbers and special characters, about 102 bits of entropy. You can change the length and the characters, or create a numeric PIN.

  • Generated in your browser; nothing is sent or stored.
  • 4 to 128 characters with the types of characters you choose.
  • Also numeric PINs and Wi-Fi passwords.
Generate a password