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Pension question, Hong Kong

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.

What to do next

  1. List each Hong Kong employer and the years you worked there.
  2. Look for the trustee name on any MPF letter or payslip you kept.
  3. Run our free check, then order a report if you want us to identify what is held in your name.

Check your own working life for free

Tell us where you worked. The free check shows which countries may hold a pension for you, and which can be ruled out and why. No sign in, no charge.

Run the free check

Questions people also ask

Can several MPF accounts be put together?

A scheme member who holds more than one MPF personal account may consolidate them into a single trustee and scheme of their choice.

Do you give advice on what to do?

No. We identify where a pension is likely held and the official route to it, and we name each source with the date we read it. We do not give financial, tax or legal advice.