Private residential indices
2026-06 · provisional
- Price index — all classes
- 323.2
- Rental index — all classes
- 205.8
Up 12.7% over 12 months
Up 5.1% over 12 months
2025-062026-06
Hong Kong Financial Data Centre
Current Hong Kong figures, with dates and sources
Property indices, inflation, interest-rate references and statutory thresholds are kept separate from user assumptions. Every displayed update is reviewed before it becomes an approved calculator input.
- Items checked this month
- 13items
- Latest approved review
- 2026-08-09
Human-approved snapshotsOfficial sources linked
Market snapshots
Latest published figures
Observation dates differ because each agency publishes on its own timetable. A market index is not a forecast, and HIBOR is not the mortgage rate offered to an individual borrower.
Consumer inflation
- Composite CPI, year on year
- 2.0%
- Underlying inflation
- 1.9%
2026-06 · 2019/20=100
Excluding one-off relief measures
Rate references
- Base Rate
- 4.0%
- Overnight HIBOR
- 2.20%
- 1-month HIBOR
- 2.723%
As at 2026-07-27. H-mortgage pricing also depends on the bank's margin, cap and approval terms.
Statutory thresholds
Salaries tax, MPF and OALA
These are current reference amounts, not automatic entitlements. Eligibility and the final assessment still depend on personal circumstances and the responsible authority.
Salaries tax
Year of assessment 2026/27
- Basic allowance
- HK$145,000
- Married person's allowance
- HK$290,000
- Child allowance
- HK$140,000
- TVC and QDAP combined cap
- HK$60,000
Other principal deduction caps
- Home-loan interest
- HK$100,000
- Domestic rent
- HK$100,000
- Mandatory MPF
- HK$18,000
- VHIS per insured person
- HK$8,000
- Elderly residential care
- HK$110,000
MPF contributions
- Minimum monthly relevant income
- HK$7,100
- Maximum monthly relevant income
- HK$30,000
- Contribution rate per side
- 5%
- Maximum monthly amount per side
- HK$1,500
Below the minimum income, the employee generally does not make a mandatory contribution, but the employer still contributes. Special rules apply to self-employed people and non-monthly payroll periods.
Calculate MPF contributionsOld Age Living Allowance
Limits effective 2026-02-01
- Single monthly income
- HK$10,900
- Single assets
- HK$415,000
- Couple monthly income
- HK$16,680
- Couple assets
- HK$630,000
Monthly payment: HK$4,345. Income and asset limits are only part of the eligibility test.
Run the eligibility checkRules that change the result
Property and employment
Effective dates matter. Residential stamp duty changed on 26 February 2026, while MPF offsetting was abolished from the 1 May 2025 transition date.
Residential stamp duty
Effective 2026-02-26
| Property consideration | Duty reference |
|---|---|
| Up to HK$4,000,000 | HK$100 |
| HK$6,000,000 | 2.25% |
| HK$9,000,000 | 3% |
| Above HK$109,574,470 | 6.5% |
Intermediate transition bands use marginal formulas. The mortgage calculator applies the full approved table rather than interpolating between the examples above.
Calculate mortgage and buying costsSeverance and long service payment
Offsetting transition date 2025-05-01
- Monthly wage used in formula — cap
- HK$22,500
- Benefit per service year — cap
- HK$15,000
- Total benefit — cap
- HK$390,000
- Optional average-wage period
- 12 months
For employment spanning the transition date, pre- and post-transition service must be separated. Eligibility also depends on the reason for termination and service conditions.
Estimate employment entitlementTraceable evidence
Official sources
A working link does not by itself prove a figure is current. The observation date, effective date and review date are recorded separately.
Rating and Valuation Department
Property market statistics
Update frequency：Monthly
Census and Statistics Department
Monthly Report on the Consumer Price Index — June 2026
Update frequency：Monthly
Hong Kong Monetary Authority
Daily monetary statistics Open API
Update frequency：Each business day
Inland Revenue Department / GovHK
2026/27 allowances, deductions and tax rates
Update frequency：By year of assessment
Mandatory Provident Fund Schemes Authority
Mandatory contributions for employees
Update frequency：When rules change
Inland Revenue Department
Ad valorem stamp duty rates for residential property
Update frequency：When rates change
Labour Department
Abolition of MPF offsetting and severance / long service payment
Update frequency：When legislation or guidance changes
Social Welfare Department
Old Age Living Allowance eligibility, income and asset limits
Update frequency：When payment rates or eligibility rules change
Review trail
Change log
Automated checks compare official data with the approved snapshot. A difference opens a proposed change for review; it does not silently alter calculator results.
Completed statutory data review: confirmed 2026/27 salaries-tax allowances (basic HK$145,000), Old Age Living Allowance (HK$4,345), stamp duty 6.5% top tier, MPF offsetting abolition, and 70% standard mortgage LTV (HKMA 50% DSR ceiling) are all current and verified.
Added Old Age Living Allowance payment, income and asset limits effective 1 February 2026, with age, residence and conflicting-benefit checks.
Updated the June 2026 residential price and rental indices and rechecked 2026/27 tax, MPF, employment, residential stamp duty, mortgage LTV and mortgage-insurance premium rules. The HKMA daily feed was unavailable, so the rate snapshot remains explicitly dated 27 July 2026.
Launched the Hong Kong Financial Data Centre and checked June 2026 inflation, Base Rate and HIBOR on 27 July, May 2026 residential price and rental indices, and key statutory thresholds.
Reviewed 2026/27 salaries-tax allowances, residential stamp duty, MPF and employment-entitlement data.
Spotted an outdated figure?
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