You‘ve been contributing to MPF for decades. So when can you actually take the money out? This is one question every Hong Kong worker should have the answer to.

✅ Standard retirement age: 65

Once you reach 65, you can withdraw your MPF in two ways:

• Lump sum: Take everything out in one go

• Instalments: Withdraw by year or month — your remaining balance stays invested

🚨 Early withdrawal exceptions:

In specific circumstances, you can access MPF before age 65:

• Permanent departure from Hong Kong: Must swear an affidavit confirming no intention to return, and provide evidence of visa/immigration status in destination

• Terminal illness: Certified by a registered doctor with life expectancy of 12 months or less

• Small balance account: Total MPF balance under HK$5,000 and ceased mandatory contributions for at least 12 months

• Total permanent incapacity

💡 Special case: ORSO schemes at age 60

Members of occupational retirement schemes (ORSO) may have the option to withdraw from age 60 upon ceasing employment.

📊 Pro tip:

MPF withdrawal procedures can be time-consuming. Start your enquiries at least 3 months before your intended withdrawal date via the eMPF platform or your MPF provider.