MPF is compulsory from your first month of employment, and each employer opens a separate account with its own trustee. We identify what is in your name and hand you the contact details and every contact route, ready to use. $99, full refund if we find nothing material.
5% + 5%
Mandatory MPF contribution split
15+
MPF trustees
Permanent departure
Lump-sum withdrawal trigger
If you worked in Hong Kong and moved on, changed employers, or lost the paperwork years ago, you are in the right place. Pensions are rarely gone. Most of the time the scheme simply lost track of you.
Expats who worked in Hong Kong on employment visas, workers who left Hong Kong without consolidating MPF accounts, and people who changed jobs frequently, each employer creates a new MPF account.
MPF is compulsory from the first month of employment, and each employer enrols you with the trustee it has chosen. Several employers means several accounts, held by several trustees, and nothing consolidates them for you. Hong Kong is a city people pass through, so those accounts are very often left behind by someone who has since moved to another country entirely.
A PensionHunter Pension Identification Report works from what you already know, employer names and rough dates, and identifies the schemes, trustees and administrators your Hong Kong work history points to. One fixed fee, one clear picture, and a refund if we find nothing material.
What your Pension Identification Report delivers
Nobody sits between you and your pension. You act the moment the evidence lands.
For Hong Kong, the central record is not publicly searchable from your employment history alone. Your Pension Identification Report delivers the honest access-map: what exists, where your record sits, the deadlines and traps that affect your entitlement, the exact route in, and your entitlement position. At Enhanced and Global we prepare a complete information request for every fund we identify, ready to send. Not at Country level.
Identification & research only, no financial advice
Start here
$99
Country Pension Identification Report, Hong Kong
Within 24 to 48 hours
Full refund if we find nothing material.
Enhanced Pension Identification Report ($499): your Action Pack, a complete request pack for every fund we identify, written in your voice and ready to send, delivered within five working days of your intake form. Global Pension Identification Report ($799): the same across every country you worked in, up to all 41 we cover, within ten working days. Full refund if we find nothing material, decided at identification.
At the Country Report you contact the administrators yourself, using the routes in your report. On Enhanced and Global: We stay with your case after delivery. If an administrator asks you a question, refuses, or simply does not reply, send it to us and we will tell you exactly what to send next. That continues until every fund we identified has answered you, or the route is exhausted and we say so plainly.
Your Hong Kong report, see the full sampleHONG KONG SAMPLEThis is the Hong Kong sample, produced by the same methodology that runs every real case.Open the samplePensionHunter is a team of pension researchers working across 41 countries. We do not touch your money, we take no percentage, and every report is reviewed by a human before release.
Doing it yourself
Means working through all of this:
What we do
Human experts + AI, fixed fee:
Identification only. We do not claim, transfer, negotiate, or make decisions regarding any pension.
Every line below is drawn from the verified country dossier. We never fabricate facts; candidate items are gated out of customer-facing copy.
The MPFA Unclaimed-Benefits register + the newly centralised eMPF platform make a departed expat’s scattered MPF pots (one per job by default) findable in one place, and there is no escheat ever, only erosion.
~6.5M left-behind personal accounts wait indefinitely, no escheat ever, money simply erodes via fees; the permanent-departure early-withdrawal is once-only per lifetime (the returnee trap).
Personal-record access wall: eMPF / trustee logins
eMPF (newly centralised, register quality gold-and-unified); MPFA Unclaimed-Benefits register
From abroad: Hong Kong has historically been one of the more forgiving markets for offshore identity verification, but the permanent-departure early-withdrawal is once-only per lifetime and register-cross-checked, the trap is the returnee who triggers it and later moves back.
HK↔UK, HK↔CA, HK↔AU (BN(O)/emigration-wave corridors).
Primary sources: mpfa.org.hk · eMPF platform
Every employer in Hong Kong must contribute 5% of salary to MPF for every employee, including expats on employment visas. Employees also contribute 5%. Even a 6 month contract creates an MPF account. Most expats who worked in Hong Kong have at least one forgotten account.
Expats who have permanently left Hong Kong and have no intention of returning can apply for early withdrawal of their MPF accrued benefits. This requires specific documentation and application to the MPFA. Our researchers identify your accounts and provide the information you need to act.
Worked in more than one country? One Global Pension Identification Report covers every country you worked in, up to all 41 we cover.
Country-specific guidance is being added for cohorts who built MPF entitlements in Hong Kong and have since moved on, or who came to Hong Kong from abroad to work.
Find lost MPF, Hong Kong
Multi-trustee MPF tracing across employers
MPF withdrawal on permanent departure
Lump-sum withdrawal procedure for departing expats
Hongkongers in the UK
BN(O) visa cohort and earlier Hong Kong arrivals
Australians in Hong Kong
Finance / law / aviation expats, lost super and MPF
All cross-border cohorts
Browse the full audience directory
Whether anyone officially counts unclaimed pensions in Hong Kong is a question with a published answer, and we keep it on one page: the Hong Kong row on our pension scoreboard.
For pension schemes and trustees with members in Hong Kong, see our cross-border member tracing services
Yes. MPF contributions are mandatory from the first month of employment with no minimum period. Even short contracts create accounts. Your employer was legally required to enrol you.
Yes. Permanent departure from Hong Kong is one of the grounds for early MPF withdrawal. You need to provide evidence of permanent departure and complete an application to your MPF trustee. We identify your accounts and provide full claiming guidance.
Very likely yes. Each employer creates a separate MPF account. Workers with multiple jobs in Hong Kong frequently have 3-5 separate accounts they have never consolidated. We find all of them.
To find a lost MPF account in Hong Kong, you need to contact each MPF trustee separately, which means tracing every employer you worked for and identifying which trustee they used. The MPFA publishes a list of all approved trustees and schemes. PensionHunter researches MPF trustees using your employment history; at Enhanced Pension Identification Report ($499) and Global Pension Identification Report ($799), we prepare a complete request pack for each fund we identify, written and ready to send under your signed Information Request Authority (IRA). Country Pension Identification Report ($99) is identification-only and does not require an IRA. If you have permanently left Hong Kong, you may be eligible to withdraw your MPF accrued benefits.
Last reviewed: · Facts verified against the dossier-pipeline gate.
15 pages. 41 countries. Join the list to receive it.
Guide sent to every signup. Occasional PensionHunter updates only if you tick above. Unsubscribe any time.
Some clients order a Pension Identification Report for themselves. Many order it to get their affairs in order: one document their family can find, whatever happens.
We identify what is in your name in Hong Kong and hand you the contact details and every contact route, ready to use. $99, full refund if we find nothing material.
Find my pensions in Hong KongImportant Information
PensionHunter is a research and administrative assistance service only. We search pension registries and employer records to identify whether pension entitlements may exist in your name, we do not provide financial advice, manage pension funds, arrange pension transfers, or assist with claiming or accessing pension funds.
PensionHunter is not regulated by the Securities and Futures Commission (SFC), the Mandatory Provident Fund Schemes Authority (MPFA) or any equivalent financial-services or pensions regulator in Hong Kong. Our service is limited to research and information provision. We charge a fixed research fee paid in advance, Full refund if we find nothing material.
All decisions about your pension, including whether to contact providers, transfer funds, or take any other action, remain entirely yours. We strongly recommend consulting a qualified independent financial adviser regulated in your jurisdiction before making any decisions about any pension we locate.