Part-time employees are also covered by the MPF system. Here’s what you need to know about MPF and part-time work.

Who is Covered?

Ordinary part-time employees follow the same MPF rules as full-time employees — there is no separate part-time income threshold. You are covered if you are:

• Aged 18 to 64
• Employed for 60 days or more (your employer must enroll you within the first 60 days of employment)

If your monthly income is below HK$7,100, you are not required to make employee contributions — but your employer must still contribute 5% of your income on your behalf.

Casual Workers: Different Rules

Workers in the construction and catering industries who are hired on a casual (day-to-day or short-term) basis are covered by industry schemes with different rules: contributions are calculated per working day rather than monthly, and you must be enrolled from your first day of work — the 60-day rule does not apply to casual employees.

Contribution Rules for Part-time Workers

• Relevant income: Based on monthly wages from each part-time job
• Calculation: 5% of relevant income (capped at $1,500 per month per job)
• Multiple employers: Each employer must make contributions separately
• Income floor: No employee contribution required if monthly income is below $7,100 (your employer still contributes)

Key Considerations for Part-time Workers

1. Multiple accounts: You may have multiple MPF accounts if you work for different employers
2. Account consolidation: Consider consolidating accounts through ECA
3. Investment choices: Make investment choices for each account or consider DIS
4. Contribution holiday: The 30-day contribution holiday still applies

eMPF Platform for Part-time Workers

The eMPF platform is especially useful for part-time workers with multiple employers:

• View all MPF accounts in one place
• Track contributions from multiple employers
• Manage investment choices across accounts
• In-person support at 3 eMPF Service Centres (Wan Chai, Tsim Sha Tsui East, Tsuen Wan)

2026 Update

Part-time workers should ensure they are receiving correct contributions from all employers. The average MPF balance exceeded HK$350,000 in May 2026. Even part-time contributions add up over time through the power of compounding.

[Source: MPFA]