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*.


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.


Monthly Summary


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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)

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