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For members of MPF-exempted ORSO schemes.

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Early Withdrawal of MPF


Once you have reached the age of 65, you can withdraw your accrued benefits in a lump sum or by instalments. You may have heard that there are situations where you can withdraw your accrued benefits early. You are right! Under the law, there are specific circumstances where accrued benefits may be withdrawn before you reach age 65. They are:

(1) Early retirement. You must be at least 60 years old and have ceased all employment and self-employment with no intention of becoming employed or self-employed again. You can withdraw your accrued benefits in a lump sum or by instalments.

You may wonder: After I have withdrawn my benefits at age 60, can I be employed again later—say at 63 should circumstances change?
You can but you will need to be enrolled in an MPF scheme again since you have not reached the age of 65.

(2) Permanent departure from Hong Kong. You must declare that you have departed or will depart from Hong Kong to reside elsewhere with no intention of returning for employment or to resettle in Hong Kong as a permanent resident, and provide proof satisfying the trustee that you are permitted to reside in a place outside Hong Kong.

Note: For scheme members who have previously been paid accrued benefits on this ground, accrued benefits WILL NOT be paid by trustees for all subsequent applications with a later departure date. The MPFA keeps a register of all scheme members who previously withdrew accrued benefits on ground of permanent departure from Hong Kong. Scheme members who make a false or misleading statement to trustees for early withdrawal of accrued benefits are liable to prosecution.

(3) Total incapacity. You may withdraw your accrued benefits if you have become permanently unfit to perform the particular kind of work you were doing in your previous job. You must provide a medical certificate issued by a registered medical practitioner or registered Chinese medicine practitioner certifying such condition.

(4) Terminal illness. You may withdraw your accrued benefits if you have an illness that is likely to reduce your life expectancy to 12 months or less.  You must provide a medical certificate issued by a registered medical practitioner or registered Chinese medicine practitioner stating that in the practitioner’s opinion,you have a terminal illness.

(5) Small balance. You must have a balance of not more than $5,000 in an MPF scheme and do not have MPF benefits in any other MPF scheme.  As at the date of your application, at least 12 months must have elapsed since your last contribution date. You must declare that you have no intention of becoming employed or self-employed.

(6) Death. The accrued benefits of a deceased member are a part of the member’s estate and therefore must be claimed by the scheme member’s personal representative or the Official Administrator.

Are there exceptions?

The answer is simply no. Except for the above special circumstances stated in the law, MPFA is not empowered to grant and has never granted any exception for early withdrawal of accrued benefits.

Filing a withdrawal request

To withdraw accrued benefits on one of the above grounds, you should send a claim form to each of the trustees of the MPF schemes concerned (Note: Please do not send the documents to MPFA).  The documents that must be provided are as follows:

  Reason for Early Withdrawal Documents Required
1 Early retirement
  1. Identity document (e.g. HK ID Card)
  2. Claim form for payment of accrued benefits on ground of Attaining the Retirement Age of 65 or Early Retirement [MPF(S) – W(R)]
  3. Statutory declaration form [MPF(S) – W(SD1)]
2 Permanent departure from Hong Kong
  1. Identity document (e.g. HK ID Card)
  2. Claim form for payment of accrued benefits on ground of Permanent Departure from Hong Kong / Total Incapacity / Terminal Illness / Small Balance / Death  [MPF(S) – W(O)]
  3. Statutory declaration form [MPF(S) – W(SD2)]
  4. Documentary proof satisfying the trustee that you are permitted to reside in a place outside Hong Kong
3 Total incapacity
  1. Identity document (e.g. HK ID Card)
  2. Claim form for payment of accrued benefits on ground of Permanent Departure from Hong Kong / Total Incapacity / Terminal Illness / Small Balance / Death [MPF(S) – W(O)]
  3. “Certificate of a person’s permanent unfitness for a particular kind of work” form [MPF(S) – W(M)]
4 Terminal illness
  1. Identity document (e.g. HK ID Card)
  2. Claim form for payment of accrued benefits on ground of Permanent Departure from Hong Kong / Total Incapacity / Terminal Illness / Small Balance / Death [MPF(S) – W(O)]
  3. Medical certificate for terminal illness [MPF(S) – W(T)]
5 Small balance
  1. Identity document (e.g. HK ID Card)
  2. Claim form for payment of accrued benefits on ground of Permanent Departure from Hong Kong / Total Incapacity / Terminal Illness / Small Balance / Death [MPF(S) – W(O)]
  3. Statutory declaration form [MPF(S) – W(SD3)]
6 Death
  1. Identity document of the personal representative (e.g. HK ID Card)
  2. Claim form for payment of accrued benefits on ground of Permanent Departure from Hong Kong / Total Incapacity / Terminal Illness / Small Balance / Death [MPF(S) – W(O)]
  3. Letter of Administration or Probate

You can obtain the forms from your trustee.

Please contact your trustee directly to enquire about the administrative procedures for making a request and the necessary documents. In general, upon receipt of all required documents, the trustee is required to pay the accrued benefits to you within 30 days.

Contacts of all trustees can be found here.

Making a declaration

The statutory declaration required should be made before and signed by a Commissioner for Oaths at the Home Affairs Department ("HAD"), Notary Public or Justice of the Peace in Hong Kong. You may contact the Enquiry Number of the Central Telephone Enquiry Centre of HAD at 2835 2500 to check the location and office hours of the HAD district office nearest to you. Remember to bring your Hong Kong Identity Card and the relevant and completed declaration form with you.

If you are residing overseas, you may make the statutory declaration outside Hong Kong provided that the declaration is made beforehand and signed by a Notary Public or a person authorized under the law of that place to administer an oath or take a statutory declaration.