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Pension questions

Hong Kong pension questions

These are the questions people search about a pension left in Hong Kong. Each page answers its question in the first two sentences, and we show those two sentences below, read from the official source with the date we read it. We identify where a pension is likely held and the route to it. We do not give advice.

English

  • Can I withdraw my MPF after leaving Hong Kong?

    A scheme member may withdraw MPF early on the ground of permanent departure from Hong Kong by making a statutory declaration that they have left or will leave Hong Kong with no intention of returning for employment or to resettle as a permanent resident, plus proof of permission to reside outside Hong Kong. Permanent departure is a once-ever door: the MPFA states that members who have previously withdrawn on that ground will not be paid MPF again for all subsequent applications on the same grounds with a later departure date.

    • Source: mpfa.org.hk, read 1 September 2026
    • Source: mpfa.org.hk, read 3 October 2026

  • What happens to my MPF when I leave Hong Kong?

    After a person stops working in Hong Kong, if the eMPF Platform receives no instruction from them within three months of the employer notifying it of the termination, their MPF is moved automatically out of the contribution account into a personal account. Employer mandatory contributions are fully and immediately vested in the employee once paid in, so nothing was forfeited when the job ended.

    • Source: mpfa.org.hk, read 1 September 2026
    • Source: mpfa.org.hk, read 3 October 2026

  • How do I find my MPF account?

    eMPF Platform (MPFA): All MPF schemes are administered through the eMPF Platform, run by a wholly owned MPFA subsidiary; one login shows every MPF account. Verification runs on iAM Smart, which only HKID holders may register for.

    • Source: portal.empf.org.hk, read 24 September 2026
    • Source: mpfa.org.hk and empf.org.hk, read 3 October 2026

  • When can I withdraw my MPF?

    Early retirement withdrawal of MPF can be applied for only by a member who has reached at least age 60 and ceased all employment and self-employment. Small balance early withdrawal of MPF can be applied for only once at least 12 months have passed since the last contribution.

    • Source: mpfa.org.hk, read 1 September 2026

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