Important Notice

In view of the latest anti-pandemic measures launched by the Macao SAR Government, and an updated circular issued by the Monetary Authority of Macao on June 26, 2022 requesting the business outlets of banks and insurance companies to continue suspending public services from June 27, 2022 to July 1, 2022 (Monday to Friday) (the "affected period"), we have made the following arrangements:


• Manulife’s Customer Service Centre on the 14th floor of Circle Square will be temporarily closed during the affected period;
 

• Our Customer Service Hotline (853) 8398 0383 won't be affected and its service hours will remain from 9:00 am to 6:00 pm;
 

• Customers can use “BOCNET” or “ATM” to pay their renewal premium; for policy enquiries, please contact our customer service hotline or your agent for assistance;
 

• If there is any problem with your policy due to late payment of premiums during the affected period, please contact our customer service hotline or your agent for assistance;
 

• Customers can send documents to Manulife (International) Limited (Address: Avenida De Almeida Ribeiro No. 61, Circle Square, 14 andar A, Macau).

View more
Important Notice

Manulife (International) Limited would like to alert customers to stay vigilant about suspicious phone calls, emails, websites, apps, etc. allegedly related to Manulife. If you receive any calls claiming to be from Manulife MPF, first and foremost is to authenticate the caller’s identity (e.g. full name of advisor and his/her MPF Registration No.). If the caller refuses to disclose such information, please do not continue with the conversation. Also, if you notice any suspicious transaction activities in your account, or any account that is under your name but not set up by you, please inform us immediately. If you are in doubt, please contact us at (852) 2108 1188 or by email at service_hk@manulife.com for assistance.

View more
Important Notice

In view of the latest anti-pandemic measures launched by the Macao SAR Government, and an updated circular issued by the Monetary Authority of Macao on June 26, 2022 requesting the business outlets of banks and insurance companies to continue suspending public services from June 27, 2022 to July 1, 2022 (Monday to Friday) (the "affected period"), we have made the following arrangements:


• Manulife’s Customer Service Centre on the 14th floor of Circle Square will be temporarily closed during the affected period;
 

• Our Customer Service Hotline (853) 8398 0383 won't be affected and its service hours will remain from 9:00 am to 6:00 pm;
 

• Customers can use “BOCNET” or “ATM” to pay their renewal premium; for policy enquiries, please contact our customer service hotline or your agent for assistance;
 

• If there is any problem with your policy due to late payment of premiums during the affected period, please contact our customer service hotline or your agent for assistance;
 

• Customers can send documents to Manulife (International) Limited (Address: Avenida De Almeida Ribeiro No. 61, Circle Square, 14 andar A, Macau).

View more
Important Notice

Manulife (International) Limited would like to alert customers to stay vigilant about suspicious phone calls, emails, websites, apps, etc. allegedly related to Manulife. If you receive any calls claiming to be from Manulife MPF, first and foremost is to authenticate the caller’s identity (e.g. full name of advisor and his/her MPF Registration No.). If the caller refuses to disclose such information, please do not continue with the conversation. Also, if you notice any suspicious transaction activities in your account, or any account that is under your name but not set up by you, please inform us immediately. If you are in doubt, please contact us at (852) 2108 1188 or by email at service_hk@manulife.com for assistance.

View more
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MPF at a glance

Manulife MPF at a Glance for Individuals

What is MPF?

MPF and you

The Mandatory Provident Fund (“MPF”) system was launched by the government of the Hong Kong Special Administrative Region (“HKSAR”) in December 2000. Regulated and monitored by the Mandatory Provident Fund Schemes Authority (“MPFA”), the system aims to provide retirement support for the Hong Kong workforce.

Who should enrol?

Except those exempted, all employees and self-employed persons aged 18 to aged below 65, and are normally residing and working in Hong Kong, are required to participate in an MPF scheme, including:

  • Employees who have worked for 60 days or more (including full-time or part-time)
  • Self-employed persons who earn an income from the production or trade of goods or services not in the capacity of an employee
  • Casual employees who work in the catering or construction industries (even those who have worked fewer than 60 days)

Enrolment and mandatory contributions

According to the Mandatory Provident Fund Schemes Ordinance, your employer is responsible to enrol you in an MPF scheme. Both you and your employer are required to make contributions based on your monthly relevant income*.

Relevant income* Employer’s Mandatory Contribution Employee's Mandatory Contribution
Less than HK$7,100 a month

5%

 

No contribution required
HK$7,100 – HK$30,000 a month

5%

 

5%
More than HK$30,000 a month

HK$1,500

 

HK$1,500

* Relevant income refers to any wages, salary, leave pay, fee, commission, bonus, gratuity, perquisite or allowance (including housing allowance or other housing benefits), expressed in monetary terms, paid or payable by an employer (directly or indirectly) to their employees. It does not include any severance payments and long service payments under the Employment Ordinance.

If you are a self-employed person, and you are aged 18 to aged below 65, and are normally residing and working in Hong Kong, you must enrol yourself in an MPF scheme. You are required to make mandatory contributions if you earn not less than the minimum relevant income level (i.e. currently HK$7,100 a month or HK$85,200 a year).

Self-employed person's relevant income

 

Per month Per year Mandatory Contribution
Less than HK$7,100

Less than HK$ 85,200

 

No contribution required
HK$7,100 – HK$30,000

HK$85,200 – HK$360,000

 

5%
More than HK$30,000

More than HK$360,000

 

HK$1,500 a month or HK$18,000 a year

When you reach the retirement age of 65, you can withdraw your MPF accrued benefits or retain it in your account for continuous investment according to your personal circumstances. You may elect to withdraw your MPF accrued benefits earlier under the following circumstances:

  • early retirement at the age 60; or
  • permanent departure from Hong Kong; or
  • total incapacity; or
  • terminal illness; or
  • death; or
  • small balance account of less than HK$5,000, no contributions made in the past 12 months, and declared not to become employed or self-employed.

Reminder:

Tax concessions: Your employee mandatory contributions are income tax deductible, subject to a maximum amount of HK$18,000 per year in 2015/16 onwards.

For further details about MPF, please refer to the  MPFA website

 

See details on our comprehensive MPF Services


Monthly Summary

MPF



Hot offer - Personal Account

To manage your retirement investments more efficiently, you may consolidate your MPF accrued benefits from multiple to a single personal account. With Manulife Personal Account you may enjoy special privileged rates on our management fees by way of bonus unit rebate (terms and conditions apply)

Learn more

Online platform for personal account application/consolidation

Warning: Investment involves risks. Please refer to the MPF Scheme Brochure for details including risk factors, fees and charges of the scheme.


Manulife MPF Overview

Offers you a wide range of constituent funds for an investment portfolio that can be tailored to individual needs and risk appetites, backed by all-round MPF services. You can select from a comprehensive MPF platform offering 29 different constituent funds, ranging from equity funds (international, regional, single-market and sector), bond funds (international, regional and single-market), mixed assets funds (lifestyle and target date), guaranteed funds to money market fund. Besides, the Default Investment Strategy (“DIS”) is also one of the available investment choices for you as required by the legislative requirement.

Learn more

 

Warning: Investment involves risks. Please refer to the MPF Scheme Brochure for details including risk factors, fees and charges of the scheme.

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