Do I Still Contribute to MPF When Posted Overseas?

Must my employer keep making MPF contributions if I’m posted abroad?

Yes — if you’re employed by a Hong Kong company under a contract governed by Hong Kong’s Employment Ordinance, your employer must enrol you in an MPF scheme and contribute, wherever you’re posted. Under the MPFSO, MPF covers only employees working in Hong Kong or employed by Hong Kong companies; those hired by non-Hong Kong-registered overseas or mainland firms fall outside the system.

How do I manage my MPF account while overseas?

Members based overseas or on the mainland should regularly check their accounts through trustee channels — phone enquiry services, online services, or annual benefit statements — to track fund performance, and review whether their portfolios still suit their circumstances. MPF fund comparison can help with fund selection.

Must employers contribute for overseas hires working in Hong Kong?

Employees on work visas who already participate in overseas provident or retirement schemes don’t need MPF enrolment by their Hong Kong employer. Employers hiring overseas staff should first clarify when contributions are required.