When you start a new job, your employer is required by law to enroll you in an MPF scheme. Here’s what you need to know about the enrollment process.

Your Employer’s Responsibilities

Under the MPF legislation, your employer must:

• Enroll you in an MPF scheme within the first 60 days of employment
• Provide you with information about the MPF scheme, including the available funds
• Make mandatory contributions on your behalf on or before the contribution day
• Provide you with a record of contributions made

Your Enrollment Steps

1. Complete enrollment forms: Your employer will provide MPF enrollment forms
2. Choose your funds: Select investment funds that suit your risk tolerance and retirement goals
3. Consider DIS: If you do not make a fund choice, your contributions will be invested in the Default Investment Strategy (DIS)
4. Receive confirmation: You will receive a confirmation from your MPF trustee

Key Information

• Contribution holiday: You enjoy a 30-day contribution holiday at the start of employment
• Contribution rate: 5% of relevant income (capped at $1,500)
• Income floor: No employee contribution required if monthly income is below $7,100

eMPF Platform

The eMPF platform makes managing your enrollment and contributions easier:

• View your enrollment status online
• Track contribution history
• Update personal information
• In-person services at 3 eMPF Service Centres (Wan Chai, Tsim Sha Tsui East, Tsuen Wan)

2026 Update

In 2026, MPF enrollment and management continue to become more streamlined through the eMPF platform. The average MPF account balance exceeded HK$350,000 in May 2026, demonstrating the value of early enrollment and consistent contributions.

[Source: MPFA]