Household living costs
Nine spending categories are combined into an annual estimate for the household profile you select.
Hong Kong planning, made clearer
Hong Kong Cost of Living Calculator
Select a household size and enter your annual income to estimate living costs, salaries tax and disposable income in Hong Kong.
Estimate your costs Free · No sign-up · No data upload
Your result, in one view
- 01Annual living costs
- 02Estimated salaries tax
- 03Disposable income
Generated after you calculate · No account required
Published household spending data · September 2025 edition
Aligned with published HK Talent Engage cost data (opens in a new tab).
Three inputs. One clear estimate.
Estimate your annual position
Choose the household profile that best fits, then enter annual income. We’ll combine your inputs with published spending data to generate an annual estimate.
Data edition
September 2025
Your income is used only for this calculation and disappears when you refresh or leave the page.
Calculation assumptions
What the estimate includes
The calculator combines the selected household profile with published spending data and a simplified tax model. It does not ask about your actual rent, deductions or family circumstances.
Reference tax model
Reference deductions and household allowances are applied before progressive and 15% calculations are compared.
Disposable income
Estimated living costs and salaries tax are subtracted from annual income. A negative result remains visible as a shortfall.
Estimate coverage
What your living-cost estimate includes
The calculation covers nine household spending categories. Your amounts are shown only after you complete the calculator.
- Housing
- Electricity, gas and water
- Food
- Transport
- Alcoholic drinks and tobacco
- Clothing and footwear
- Durable goods
- Miscellaneous goods
- Miscellaneous services
Data basis
Based on HK Talent Engage household spending data, which identifies the Hong Kong Census and Statistics Department as its source. Source edition: September 2025.
Review the published source (opens in a new tab)How it works
A useful estimate in three steps
No account, personal profile or cost editing needed.
- 1
Choose a household size
Your selection is matched with the relevant published household spending profile.
- 2
Enter annual income
Your income stays in this browser and is used only for this calculation.
- 3
Review the estimate
See annual costs, a simplified tax estimate and disposable income.
Questions and answers
Understand the figures before you use them
These answers explain the source data, calculation limits and privacy approach.
How are living costs estimated?
The calculator applies published household spending data to the profile you select, then produces an annual estimate after you submit your income. Your actual spending may be different.
What counts as a small or large household?
A small household means 2 adults and 1 child. A large household means 2 adults and 2–3 children. Single means a 1-person household.
Can I edit housing or food costs?
Not in this version. The calculator uses the same published data model for each household profile so results remain comparable. The estimate may differ from your actual spending.
Where do the figures come from?
The figures are aligned with HK Talent Engage cost-of-living data, which identifies the Hong Kong Census and Statistics Department as its source.
Why are the figures dated September 2025?
September 2025 is the update date shown by the reference source. We display it clearly because the estimate is based on a dated dataset, not real-time prices.
Is the salaries tax estimate official?
No. It uses simplified household assumptions for a reference estimate. Use the Inland Revenue Department calculator and current guidance for a fuller assessment.
What exchange rate is used for USD?
USD amounts use the reference display rate HK$1 = US$0.1287. It is not a live, bank or transaction rate.
Is my income stored or uploaded?
No. Your income is used in your browser for the current calculation. It is not sent to an API or written to the URL, cookies, local storage or a database.
Use this estimate as a reference
This calculator provides a projected figure for general information only. Published household spending data may not reflect your actual housing, lifestyle or family circumstances. The salaries tax estimate uses simplified reference assumptions and is not a formal tax assessment. Figures are not real-time and may change when the source data is updated.