---
title: "Hong Kong considers raising MPF contributions after 13-year freeze on thresholds"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/278254329.md"
description: "Hong Kong is considering raising Mandatory Provident Fund (MPF) contribution thresholds, which have not changed in 13 years. Ayesha Macpherson Lau, chairwoman of the MPFA, indicated that stakeholder consultations have highlighted the need for adjustments to align contributions with the cost of living. The review aims to address financial burdens on low-income employees while ensuring adequate retirement protection. Current contribution levels are HK$7,100 and HK$30,000, with both employees and employers contributing 5% of salaries. The MPFA plans to submit a review report by mid-year, reflecting feedback from various groups."
datetime: "2026-03-08T07:51:02.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/278254329.md)
  - [en](https://longbridge.com/en/news/278254329.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/278254329.md)
---

> Supported Languages: [简体中文](https://longbridge.com/zh-CN/news/278254329.md) | [繁體中文](https://longbridge.com/zh-HK/news/278254329.md)


# Hong Kong considers raising MPF contributions after 13-year freeze on thresholds

Hong Kong’s workers and employers may have to pay more into the Mandatory Provident Fund, as the pension regulator considers calls to raise the contribution threshold, which has remained unchanged for 13 years. Ayesha Macpherson Lau, chairwoman of the Mandatory Provident Fund Authority (MPFA), said in her blog on Sunday that the body had consulted various stakeholder groups since February on adjusting the minimum and maximum income levels used to determine contributions. She hinted at a possible increase in the thresholds, noting that the prolonged lack of adjustments had left pension fund contributions out of touch with the cost of living. “There is a call to raise the minimum income level to alleviate financial burden on low-income employees, while also considering suitable increased adjustments to the mandatory contributions of employees whose wages exceed the current maximum income level, to ensure MPF’s basic retirement protection function is not eroded,” Macpherson Lau said, citing opinions gathered so far from labour groups, business chambers, employers’ representatives and professional service bodies. She added that the feedback also included suggestions on how much the contributions should be raised. Macpherson Lau said the authority would consolidate all views into a review report to be submitted by the middle of this year. The last two review cycles, covering 2014-18 and 2018-2022, were kept at 2013-2014 levels because of social and pandemic-related factors. “The MPFA is reviewing the minimum and maximum relevant income levels for the 2022-2026 cycle, aiming to align MPF contributions with changes in socioeconomic development, labour market, consumer prices and actual income, and offer appropriate basic retirement protection for workers,” she added. In general, both employees and employers in Hong Kong are each required to contribute an amount equivalent to 5 per cent of the former’s monthly salary to the MPF. The contributions are managed by approved trustees and are returned to employees upon retirement. The current minimum and maximum relevant income levels for contributions – HK$7,100 (US$907) and HK$30,000 respectively – have been in place since 2013-2014. Employees earning below the minimum threshold are exempt from making personal contributions, while those earning above the maximum have their mandatory payments capped at HK$1,500, equal to 5 per cent of HK$30,000. Lau also urged MPF scheme members to make tax-deductible voluntary contributions to enhance their retirement protection while achieving tax efficiency. Last year, 25 per cent of MPF contributions were voluntary – nearly double the level from a decade ago, she noted. As of December 31, 2025, more than 2.6 million employees were registered under MPF schemes, with the net aggregate asset value across all schemes exceeding HK$1.55 trillion.

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