The MPFA’s plan for full portability — letting employees freely choose trustees — drew fire from the cleaning contractors’ alliance, which says firms employing hundreds or thousands would drown in admin if every worker used a different trustee. Convenor Ching Sui-han says minimum wage already strains firms; portability adds more pain.
Admin convenience versus employee choice is a real trade-off. For workers, choice means voting with their feet — compare trustees’ fees and service and move contributions to better plans.

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The engineering is done. Hong Kong’s eMPF platform has migrated 26 MPF...