Tax-deduction calculator
Estimate qualifying deductions in HKD: VHIS has a per-person cap; QDAP shares a cap with MPF TVC. This is a deduction from income, not a tax refund estimate.
Illustration only, not advice.
General information only. The operator is a referrer, not a licensed insurance intermediary.
Assumptions and limits
Limits checked 12 October 2026 for 2026/27. Enter net qualifying premiums actually paid in the assessment year, one VHIS total per insured person (combine their policies). HK$8,000 per person; TVC is allowed first within the HK$60,000 TVC/QDAP shared cap.
Assumes eligible taxpayer, certified premiums and permitted insured relatives; deduct refunds and amounts claimed by others first. Spouse allocation and joint assessment are outside this tool. No eligibility, tax liability or tax-saving determination. Confirm with IRD or a tax adviser.
Calculations stay in this browser. Inputs are not sent, stored or added to the enquiry link. Avoid personal identifiers.
Static worked example
Hypothetical example — invented amounts, no product recommendation.
- VHIS qualifying premiums by insured person (HKD, comma-separated)
- 10000, 6000
- QDAP qualifying premiums (HKD)
- 50000
- MPF TVC paid (HKD)
- 20000
- VHIS deduction
- 14,000 HKD
- MPF TVC deduction
- 20,000 HKD
- QDAP deduction
- 40,000 HKD
- Total income deduction
- 74,000 HKD
Your illustration results
Calculations stay in this browser. Inputs are not sent, stored or added to the enquiry link. Avoid personal identifiers.