Mandatory Provident Fund (MPF) System

Mandatory Provident Fund (MPF) System

Information for Employees

The Definition of an Employee under the MPF System

Are you covered by the MPF System? Check the definition of a "Relevant Employee" under the system here.

MPF Employee Choice Arrangement

Employees can learn more about the Employee Choice Arrangement (ECA) and how they can transfer their accrued benefits to a trustee and scheme of their choice.

MPF Contributions

Find out how much MPF contributions you should make.

MPF Industry Schemes

Employees in the catering and construction industries can join the MPF Industry Schemes for more convenient participation.

MPF Funds and Features

Find an overview of MPF fund types, features, investment objectives, investment instruments, risk levels, and fees and charges.

MPF Calculators

Make use of the online calculator to estimate how much you will need for retirement, or calculate your MPF accrued benefits.

Look After Your MPF Investment

Check out the six major decision points in your lifelong MPF investment journey.

Compare Fees and Charges of MPF Fund

This online platform helps you compare information about fees and charges across difference schemes and funds.

Managing Your MPF Benefits When Changing Jobs

Read about ways to manage your MPF benefits when you change jobs and find the form you can use to enquire how many personal accounts you have.

Retirement Planning and Tips

Learn about how to plan your retirement, government services available for the retired and how to withdraw your MPF benefits upon retirement here.

MPF Benefit Withdrawal

Find out under what circumstances you may withdraw your MPF accrued benefits before the retirement age of 65.

Frequently Asked MPF Questions from Employees

Find answers to questions frequently asked by employees about the MPF System.

Information for Employers

Employers' Obligations under the MPF System

An employer must comply with all MPF-related legal obligations under the law. These include enrolling all qualifying employees in MPF schemes and making MPF contributions for them.

Offer of Options between MPF and ORSO Schemes

Employers offering both occupational retirement schemes and MPF schemes must provide options to existing members and new eligible staff, if applicable, to choose between the two schemes. Learn more details here.

MPF Arrangements for Working Overseas

Learn here whether you need to be enrolled in an MPF scheme if you are working outside Hong Kong.

Frequently Asked MPF Questions from Employers

Find answers to questions frequently asked by employers about the MPF System.

Information for Self-Employed Persons

The Definition of Self-Employed Persons under the MPF System

Are you a self-employed person under the MPF System? Check the definition here.

Contributions by Self-Employed Persons

Read about the different ways to calculate relevant income and MPF contribution as a self-employed person and what you should do if your business suffers from a loss.

MPF Funds and Features

Find an overview of MPF fund types, features, investment objectives, investment instrument, risk levels, and fees and charges.

MPF Calculators

Make use of the online calculator to estimate how much you will need for retirement, or calculate your MPF accrued benefits.

Look After Your MPF Investment

Check out the six major decision points in your lifelong MPF investment journey.

Compare Fees and Charges of MPF Fund

This online platform helps you compare information about fees and charges across difference schemes and funds.

MPF Benefit Withdrawal

Find out under what circumstances you may withdraw your MPF accrued benefits before the retirement age of 65.

Frequently Asked MPF Questions from Self-Employed Persons

Find answers to questions frequently asked by self-employed persons about the MPF System.

Last review date: December 2013