MPF news

With effect from 8 December 2025, the disclosures of certain Constituent Funds in the MPF Scheme Brochure of the HSBC Mandatory Provident Fund – SuperTrust Plus have been amended to reflect the below changes:

(a) The statement of investment policy of Hang Seng China Enterprises Index Tracking Fund and Hang Seng Index Tracking Fund as disclosed in the MPF Scheme Brochure has been amended to provide that their respective underlying ITCIS may engage in securities lending.

(b) The statement of investment policy of certain Constituent Funds as disclosed in the MPF Scheme Brochure has been amended to clarify the securities lending and repurchase agreements related policy of their respective underlying APIFs.  

For further details of the above changes, please refer to the Summary Notice to Scheme Participants (PDF). The MPF Scheme Brochure of the HSBC Mandatory Provident Fund – SuperTrust Plus has been amended to reflect the changes and is available on the HSBC MPF website.

The general fee level charged by the Platform Company has been reduced from 0.37% p.a. of the NAV of constituent funds to 0.29% p.a. of the NAV of constituent funds recently. As a result of the reduction, effective from 29 April 2026, the fee payable to the Platform Company should be reduced from 0.37% p.a. of the NAV to 0.29% p.a. of the NAV in respect of all the existing Constituent Funds. The aggregate management fee rate for each existing Constituent Fund should be reduced correspondingly.

For further details of the above changes, please refer to the Notice to Scheme Participants (PDF), Key Scheme Information Document (PDF) and its interactive page and First Supplement to the MPF Scheme Brochure (PDF).

The latest edition of 'HSBC Retirement Monitor* (March 2026)' is now live on HSBC MPF's website. Read the report to understand the latest estimates of living expenses in Hong Kong after retirement.

*The ‘HSBC Retirement Monitor’ was commissioned by HSBC MPF for The Association of Superannuation Funds of Australia, who is conducting the research and analysis.

HSBC MPF - SuperTrust Plus was onboarded to the eMPF Platform on 29 January 2026.

Reminder

MPF contributions must now be submitted through the eMPF Platform. The payment due date for January 2026 MPF contributions is 10 February 2026. Employers who wish to continue using HSBC Business Internet Banking to submit the remittance statement to the eMPF Platform are required to register for the eMPF Platform and provide authorisation to the eMPF Platform.

To support your smooth registration for eMPF as an employer, we cordially invite you to attend the HSBC eMPF Employer Registration Day (Event time: 10:00am to 5:00pm). Our eMPF outreach team will be on-site to assist you. Please bring the required documents for on-the-spot registration.

• 5 – 6 February 2026: Crystal Room, Level B3, Holiday Inn Golden Mile, 50 Nathan Road, Tsim Sha Tsui; or
• 5 – 6 February 2026: 26/F, Canvas, The Park Lane Hotel, 310 Gloucester Road, Causeway Bay; or
• 9 – 10 February 2026: Meeting Room 2, Level 11, Nina Hotel, 8 Yeung Uk Road, Tsuen Wan

Required items for Employer eMPF registration:

• HKID card of the Company Authorised Person (Passport holders are required to visit any of the eMPF Service Centres in person to complete the eMPF registration)
• Company Authorised Person Appointment Form
• eMPF Activation Code provided in the communication pack by your trustee
• Business Registration Certificate (BR)/Certificate of Incorporation (CI)/Documents issued by your trustee to your company within 6 months preceding the date of registration for the eMPF Platform (such as correspondences or emails)
• Download and register for 'iAM Smart'

MPF Contribution Submission Channels for eMPF:

1. Post: PO Box 98929 Tsim Sha Tsui Post Office
2. Drop-in-box in any one of the eMPF Service Centres
3. Email address: forms@support.empf.org.hk
4. Fax: 3197 2988

Our original postal address at PO Box 73770, Kowloon Central Post Office will be discontinued on 28 March 2026. Thereafter, please submit your MPF instructions directly to the eMPF Platform at PO Box 98929, Tsim Sha Tsui Post Office. You may also submit your instruction to the eMPF Platform via email: forms@support.empf.org.hk, fax: 3197 2988, by logging on to the eMPF Portal, or by using drop-in box in the eMPF Service Centres.

The eMPF Platform is a centralised electronic platform and your one-stop online hub for managing your MPF anytime anywhere through the eMPF Web Portal or the eMPF Mobile App.

The updated Scheme Brochure, Key Scheme Information Document (including its interactive page) and Master Trust Deed of the HSBC Mandatory Provident Fund - SuperTrust Plus, effective from 29 January 2026, are now available on the HSBC MPF website.

To get ready for HSBC's onboarding to eMPF, employer customers and members of HSBC MPF are cordially invited to join the HSBC Truck and eMPF Employer Registration Day organised by us. Learn about the event details. 

With effect from 31 December 2025, references to ‘sponsor’ and ‘sponsor fee’ in the offering documents and constitutive documents of the SuperTrust Plus have been updated to ‘MPF scheme provider’ and ‘member servicing fee’ respectively. Consequential amendments have also been made to elaborate the role of the MPF scheme provider of the SuperTrust Plus and its scope of services provided to scheme participants. For the avoidance of doubt, there is no change to the fee structure and the current level of fees and charges of each Constituent Fund as a result of the above changes.

For further details of the above changes, please refer to the Notice to Scheme Participants (PDF), Key Scheme Information Document (PDF) and its interactive page,  Second Supplement to the MPF Scheme Brochure (PDF) and Deed of Variation (PDF).

The latest edition of 'HSBC Retirement Monitor* (December 2025)' is now live on HSBC MPF's website. Read the report to understand the latest estimates of living expenses in Hong Kong after retirement.

*The 'HSBC Retirement Monitor' was commissioned by HSBC MPF for The Association of Superannuation Funds of Australia, who is conducting the research and analysis.

With effect from 8 December 2025, the disclosures of certain Constituent Funds in the MPF Scheme Brochure of the HSBC Mandatory Provident Fund – SuperTrust Plus will be amended to reflect the below changes:

(a) The statement of investment policy of Hang Seng China Enterprises Index Tracking Fund and Hang Seng Index Tracking Fund as disclosed in the MPF Scheme Brochure will be amended to provide that their respective underlying ITCIS may engage in securities lending.

(b) The statement of investment policy of certain Constituent Funds as disclosed in the MPF Scheme Brochure will be amended to clarify the securities lending and repurchase agreements related policy of their respective underlying APIFs.  

For further details of the above changes, please refer to the Notice to Scheme Participants.The First Supplement to the MPF Scheme Brochure of the HSBC Mandatory Provident Fund – SuperTrust Plus will be issued on 8 December 2025 and be available on the HSBC MPF website in due course.

The latest edition of "HSBC Retirement Monitor* (December 2024)" is now available on HSBC MPF website. You can click here to understand the estimated expenditure for living in Hong Kong after retirement.

*The "HSBC Retirement Monitor" was commissioned by HSBC MPF with The Association of Superannuation Funds of Australia conducting the research and analysis.

We would like to notify you that starting from 12 January 2025, you will be asked to accept the HSBC MPF Online and Mobile Banking Terms before you access the HSBC MPF services under the Personal Internet Banking. This is a one-time requirement which will be implemented in phases for all Personal Internet Banking users with MPF accounts. Please read the related Notice for details.

The latest edition of "HSBC Retirement Monitor* (September 2024)" is now available on HSBC MPF website. You can click here to understand the estimated expenditure for living in Hong Kong after retirement.

*The "HSBC Retirement Monitor" was commissioned by HSBC MPF with The Association of Superannuation Funds of Australia conducting the research and analysis.

The latest edition of "HSBC Retirement Monitor* (December 2023)" is now available on HSBC MPF website. You can click here to understand the estimated expenditure for living in Hong Kong after retirement.
 

*The "HSBC Retirement Monitor" was commissioned by HSBC MPF with The Association of Superannuation Funds of Australia conducting the research and analysis.

HSBC MPF always strives to deliver high level of MPF services at all times. To improve customer experience, we are pleased to announce the new MPF branch services during designated weekends.

Operation hours: Saturday: 3pm-8pm & Sunday: 10am-8pm

We will provide MPF services including services related to MPF Tax Deductible Voluntary Contributions (TVC), account consolidation, fund performance update and MPF retirement planning etc. during the special operation hours indicated above at designated branches.

Find out more about MPF and understand what are the considerations when choosing an MPF scheme. Please contact our MPF Specialist by approaching the above designated branches on specific day or making an appointment to meet them with selected timeslot.

The latest edition of "HSBC Retirement Monitor* (September 2023)" is now available on HSBC MPF website. You can click here to understand the estimated expenditure for living in Hong Kong after retirement.

*The "HSBC Retirement Monitor" was commissioned by HSBC MPF with The Association of Superannuation Funds of Australia conducting the research and analysis.

The Guaranteed Interest Rate for the Guaranteed Fund available under HSBC Mandatory Provident Fund - SuperTrust Plus is 0.15% per annum in the financial year from 1 July 2023 to 30 June 2024. The guarantee in the Guaranteed Fund only applies under certain conditions. Please refer to subsection 3.4.3(f) 'Guarantee features' of the MPF Scheme Brochure for details of the guarantee features (including in the context of payment of accrued benefits in instalments) and the 'Guarantee Conditions'.

The latest edition of "HSBC Retirement Monitor*(June 2023)" is now available on HSBC MPF website. You can click here to understand the estimated expenditure for living in Hong Kong after retirement.

*The "HSBC Retirement Monitor" was commissioned by HSBC MPF with The Association of Superannuation Funds of Australia conducting the research and analysis.

The 2022-23 Good MPF Employer Award organized by the Mandatory Provident Fund Schemes Authority, is open for applications. Employers who are exemplary in enhancing the retirement benefits of their employees should act now.

For details and online application, please visit The Good MPF Employer Award website. The deadline is 30 June.

The above information is provided by the Mandatory Provident Fund Schemes Authority.

HSBC MPF always strives to deliver high level of MPF services at all times. To improve customer experience, we are pleased to announce the new MPF branch services during designated weekends.

Ching Ming Festival and Easter holiday are around the corner. Employers are reminded to submit MPF Remittance Statements and make contributions in advance before the contribution deadline. 

For employers who submit Remittance Statements and/or cheques by mail, please ensure your mail items bear sufficient postage before posting and allow sufficient time for delivery to ensure the Remittance Statements and/or cheques will reach HSBC MPF on or before the contribution deadline. Employers can also submit e-Remittance Statements and employer contributions via HSBC HK Business Express mobile app (applicable to HSBC commercial banking customers only) or HSBC Business Internet Banking anytime, anywhere. Learn more.

The latest edition of "HSBC Retirement Monitor* (March 2023) " is now available on HSBC MPF website. You can click here to understand the estimated expenditure for living in Hong Kong after retirement.

*The "HSBC Retirement Monitor" was commissioned by HSBC MPF with The Association of Superannuation Funds of Australia conducting the research and analysis.

We conduct reviews of the risk ratings for the Constituent Funds under the Scheme regularly and the risk ratings may be subject to change from time to time. We would like to inform you that the latest risk rating review has been completed. With effect from 28 February 2023, the risk rating for the Hong Kong and Chinese Equity Fund under the Scheme will be increased from '4' to '5, while the risk ratings for other Constituent Funds under the Scheme remain unchanged.

To obtain the latest risk ratings of the other Constituent Funds and the description of each of the risk rating category, please refer to the 'Monthly Fund Performance Summary' and/or the 'Fund Fact Sheet' posted on the HSBC MPF website or to the HSBC HK Mobile Banking app. Should you have any queries, please contact our HSBC MPF Member Hotline on (852) 3128 0128.

Please note that the risk ratings provided are for reference only and should not be regarded as investment advice. You should not rely on the risk ratings when making any investment choices for your MPF account(s).

HSBC MPF always strives to deliver high level of MPF services at all times. To improve customer experience, we are pleased to announce the new MPF branch services during designated weekends.

Operation hours: Saturday: 3pm-8pm & Sunday: 10am-8pm

We will provide MPF services including services related to MPF Tax Deductible Voluntary Contributions (TVC), account consolidation, fund performance update and MPF retirement planning etc. during the special operation hours indicated above at designated branches.

Find out more about MPF and understand what are the considerations when choosing an MPF scheme. Please contact our MPF Specialist by approaching the above designated branches on specific day or making an appointment to meet them with selected timeslot.

The latest edition of "HSBC Retirement Monitor* (December 2022) " is now available on HSBC MPF website. You can click here to understand the estimated expenditure for living in Hong Kong after retirement. 

*The "HSBC Retirement Monitor" was commissioned by HSBC MPF with The Association of Superannuation Funds of Australia conducting the research and analysis.

*The "HSBC Retirement Monitor" was commissioned by HSBC MPF with The Association of Superannuation Funds of Australia conducting the research and analysis.

Operation hours: Saturdays: 3pm-8pm & Sundays: 10am-8pm

We will provide MPF services including services related to MPF Tax Deductible Voluntary Contribution (TVC), Account consolidation, Fund performance update and MPF retirement planning etc. during the special operation hours indicated above at these designated branches.

Find out more about MPF, and understand what are the considerations when choosing an MPF scheme.  Please contact our MPF Specialist by approaching the above designated branches on specific day or making an appointment to meet them with selected timeslot. 

Operation hours: Saturdays: 3pm-8pm & Sundays: 10am-8pm

We will provide MPF services including services related to MPF Tax Deductible Voluntary Contribution (TVC), Account consolidation, Fund performance update and MPF retirement planning etc. during the special operation hours indicated above at these designated branches.

Find out more about MPF, and understand what are the considerations when choosing an MPF scheme.  Please contact our MPF Specialist by approaching the above designated branches on specific day or making an appointment to meet them with selected timeslot. 

The Key Scheme Information Document (the ‘KSID’), which forms part of the offering document of the SuperTrust Plus, will be available from 30 June 2022. The KSID helps to provide scheme members with key scheme information relating to the SuperTrust Plus in a simplified and standardized format prescribed by the Mandatory Provident Fund Schemes Authority. The KSID has adopted a layered approach which scheme members will benefit from having one single document that bring them to more information and can choose the level of detail of information desired. The KSID is designed to be easy-to-read to directing scheme members to the necessary documents or tools through electronic means (e.g. web link and/or QR code provided).

The KSID (together with the MPF Scheme Brochure) and Notice to Scheme Participants are available on HSBC MPF website. For further information, please feel free to contact the HSBC MPF Employer Hotline +852 2583 8033 or HSBC MPF Member Hotline +852 3128 0128.

The Guaranteed Interest Rate for the Guaranteed Fund available under HSBC Mandatory Provident Fund - SuperTrust Plus is 0.15% per annum in the financial year from 1 July 2022 to 30 June 2023. The guarantee in the Guaranteed Fund only applies under certain conditions. Please refer to subsection 3.4.3(f) 'Guarantee features' of the MPF Scheme Brochure for details of the guarantee features (including in the context of payment of accrued benefits in instalments) and the 'Guarantee Conditions'.

The latest edition of "HSBC Retirement Monitor* (June 2022) " is now available on HSBC MPF website. You can click here to understand the estimated expenditure for living in Hong Kong after retirement. 

*The "HSBC Retirement Monitor" was commissioned by HSBC MPF with The Association of Superannuation Funds of Australia conducting the research and analysis.

The Public holidays of May (Day following of Labour Day and Buddha’s birthday) are coming soon. Employers are reminded to submit remittance statement and make contribution payment earlier to avoid missing the contribution deadline. For employers who submit remittance statements and/or cheques by mail, please ensure there is sufficient time for ensure the remittance statements and/or cheques will reach HSBC MPF on or before the contribution deadline.

The 2021-22 Good MPF Employer Award (the Award), organized by the Mandatory Provident Fund Schemes Authority (MPFA), is now open for applications and nominations. 

The Award aims to promote and foster employer compliance with MPF legislation; encourage employers to provide better retirement benefits for their employees; and recognise employers who are exemplary in enhancing the retirement benefits of their employees. Nearly 2,500 companies and organizations have been honoured as “Good MPF Employers” since its debut in 2015. 

Eligible employers should act now and apply for the Award. Employees are also welcome to nominate their employers for the Award. For more details, please visit the Good MPF Employer Award website. The deadline is 30 June 2022. 

The above information is provided by the Mandatory Provident Fund Schemes Authority.

Operation hours: Sat: 3-8pm & Sun: 10-8pm

We will provide MPF services including services related to MPF Tax Deductible Voluntary Contribution (TVC), Account consolidation, Fund performance update and MPF retirement planning etc. during the special operation hours indicated above at these designated branches.

Find out more about MPF, and understand what are the considerations when choosing an MPF scheme. Please contact our MPF Specialist by approaching the above designated branches on specific day or making an appointment to meet them with selected timeslot.

With the above changes, the SuperTrust Plus will consist of a more comprehensive offering of Constituent Funds, with a suite of low-fee funds that are index-tracking or passively managed. We believe this can facilitate you to better differentiate the restructured funds from other active funds on our MPF platform, allowing you to make investment choices meeting your own investment styles, risk tolerance levels and personal circumstances. This, together with the de-layering change, can simplify the investment structure of the funds and enhance investment, administrative and operational efficiency. 

On the other hand, during a recent review of the management fee breakdown among key operators, we decided to adjust the fee breakdown with effect from 1 July 2021. While the fee components among different stakeholders were re-jiggled, the total management fee level payable by members remains unchanged. 

In addition, the statutory Annual Registration Fee has been effected from 1 October 2020 and we are liable for the payment of the fee starting from 1 July 2021. Please rest assured that the fee will be borne and shared among the key operators with no impact on you.

For further details of the above, please refer to the Notice to Scheme Participants, First Supplement to the MPF Scheme Brochure and frequently asked questions.

The Guaranteed Interest Rate for the Guaranteed Fund available under HSBC Mandatory Provident Fund - SuperTrust Plus is 0.15% per annum in the financial year from 1 July 2021 to 30 June 2022. The guarantee in the Guaranteed Fund only applies under certain conditions. Please refer to subsection 3.4.3(f) ‘Guarantee features’ of the MPF Scheme Brochure for details of the guarantee features (including in the context of payment of accrued benefits in instalments) and the ‘Guarantee Conditions’.

The latest edition of "HSBC Retirement Monitor* (June 2021) " is now available on HSBC MPF website. You can click here to understand the estimated expenditure for living in Hong Kong after retirement.

*The "HSBC Retirement Monitor" was commissioned by HSBC MPF with The Association of Superannuation Funds of Australia conducting the research and analysis.

With effect from 21 June 2021, there will be an additional option available for scheme participants to withdraw their MPF Benefits, AVC Benefits and TVC Benefits on their 65th birthday or on early retirement on or after reaching age 60, so that, they can create a long-term and steady monthly income for better retirement planning.

At eligible scheme participants’ decision, they can apply the monthly regular withdrawal by submitting a valid INPR ‘Claim Form for Payment of MPF Accrued Benefits (Benefits) on Grounds of Attaining the Retirement Age of 65 or Early Retirement [FORM MPF(S) – W(R)]’ together with the appropriate supporting documents to the Administrator of the Scheme one time to receive the monthly regular withdrawal amount from the selected MPF account(s) under the Scheme as specified on the INPR until the selected MPF account(s) is terminated or such regular withdrawal instruction is amended or cancelled. Scheme participants can opt-in the method of payment by deposit directly or cheque. The regular withdrawal instruction(s) can be amended or cancelled at any time at scheme participants’ decision by submitting a valid INRW ‘Change of Regular Withdrawal Instruction Form’.

The above mentioned forms will be available at HSBC MPF website at www.hsbc.com.hk/mpf or designated branches or scheme participants may request copies of them by contacting the HSBC MPF Member Hotline +852 3128 0128.

To learn more about this new feature, please refer to the Frequently Asked Questions.

The Hong Kong economy has been hit hard by the COVID-19 pandemic in the past year. Despite the uncertain outlook, many employers are still providing extra retirement protection for their employees. The Good MPF Employer Award, organised by the Mandatory Provident Fund Schemes Authority (MPFA), now in its seventh year, recognises employers that are committed to enhancing the retirement benefits of their employees. Since the inception of the Award, over 2,200 companies and organisations have been commended. A record 1,671 employers were recognised last year despite the pandemic, showing that many employers in Hong Kong are willing to go the extra mile to support the retirement benefits of their employees.

The 2020-21 Good MPF Employer Award is open for applications and nominations from 1 April to 30 June. Two special awards have been introduced to commend and encourage companies / organisations that have made continuous efforts to enhance the retirement protection of their employees. Employers who fulfil the relevant criteria will be presented with one or both of the following special awards:

• Good MPF Employer 5+ Years
  Companies / organisations that received the Good MPF Employer Award for five consecutive years or more.
• Best All-round MPF Employer
  Companies / organisations that meet all of the following criteria:
      (1) Received the Good MPF Employer Award for seven consecutive years;
      (2) Offered more than one MPF scheme;
      (3) Offered MPF voluntary contributions for some or all of their employees;
      (4) Received the e-Contribution Award; and
      (5) Received the MPF Support Award. 

To apply for this year’s Award which covers the period from 1 April 2020 to 31 March 2021, companies / organisations can fill in and submit an application online on the Good MPF Employer Award website, or submit their application by email, fax or post. Employees are also welcome to nominate their employers for the Award by submitting a nomination form to the MPFA.

The results of 2020-21 Good MPF Employer Award will be announced in October 2021. The MPFA will present award certificates to the awardees, and the list of awardees will be uploaded to the MPFA website. In addition to being invited to attend activities organised by the MPFA and receiving the latest information from the MPFA, the awardees will be entitled to display the award logo on their websites, and in their promotional materials, advertisements and activities until 30 September 2022. They also have the opportunity to share their experience with the public through various channels.

Act now, Good MPF Employers!

The above information is provided by the Mandatory Provident Fund Schemes Authority.

Easter long holiday is coming soon. Employers are reminded to submit remittance statement and make contribution payment earlier to avoid missing the contribution deadline (12 April 2021). For employers who submit remittance statement and/or cheque by mail, please ensure you allow sufficient time for ensure the remittance statement and/or cheque to reach HSBC MPF on or before the contribution deadline.

The latest edition of "HSBC Retirement Monitor* (March 2021) " is now available on HSBC MPF website. You can click here to understand the estimated expenditure for living in Hong Kong after retirement.

*The "HSBC Retirement Monitor" was commissioned by HSBC MPF with The Association of Superannuation Funds of Australia conducting the research and analysis.

Chinese New Year long holiday is coming soon. Employers are reminded to submit remittance statement and make contribution payment earlier to avoid missing the contribution deadline. For employers who submit remittance statements and/or cheques by mail, please ensure you allow sufficient time for ensure the remittance statements and/or cheques to reach HSBC MPF on or before the contribution deadline.