When Can I Withdraw My MPF? What Are the Early-Withdrawal Grounds?

At what age can MPF be withdrawn?

Accrued benefits from mandatory MPF contributions are preserved until the retirement age of 65; early withdrawal is allowed only in specific circumstances. The system exists to help earners save for old age, so the law locks benefits in until 65.

What are the early-withdrawal grounds before 65?

Early retirement at 60; permanent departure from Hong Kong; total incapacity; death (MPF forms part of the estate, claimable by the personal representative); and small balances (under HK$5,000, no contributions for 12 months, with a declaration of no foreseeable employment or self-employment).

What happens to the money when I change jobs?

You can’t cash out on job changes — accrued benefits move to a preserved account and keep compounding. Rather than plotting withdrawals, focus on growing the pot: choose the right funds at MPF fund comparison.