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MPF Personal Accounts

Consolidate your MPF personal accounts to HSBC MPF, and manage your MPF accounts easily through a one-stop platform that lets you manage both your MPF and bank accounts

Investment involves risks. T&Cs apply.

HSBC MPF: The MPF Scheme tailored for Hong Kong People

You can now enjoy a bonus unit rebate of up to HKD20,888 when you consolidate and transfer your MPF accrued benefits to an HSBC MPF Personal Account via the HSBC HK Mobile Banking app with the designated promo code 'TOP1'[@mpf-latest-hkbchkapp].

You'll be able to consolidate your MPF personal accounts to your HSBC MPF Personal Account, manage your MPF accounts easily and make fund switches any time, even when you're on the go, on the HSBC HK Mobile Banking app.

No.1 overall average return among top 10 MPF schemes in 2024[@mpf-2024-no1-ranking]

HSBC MPF diligently manages your MPF, striving for the ideal potential investment returns.

The only MPF Scheme in Hong Kong awarded as 'MPF Scheme of the Year' for three consecutive years[@mpf-scheme-of-the-yr-23-25]

HSBC MPF offers the 'best aggregate Value for Money' MPF scheme[@mpf-scheme-of-the-yr-23-25], helping you strive for the most ideal potential investment returns.

A comprehensive range of fund choices

With 20 investment options meticulously picked for you, you can diversify your investments into different markets and asset classes according to your risk appetite.

1 App for managing MPF and banking services

A one-stop platform for managing your MPF and bank accounts, providing you with comprehensive wealth management and retirement planning services.

Enjoy a bonus unit rebate of up to HKD20,888

From 1 June to 30 September 2025, enjoy a bonus unit rebate of up to HKD15,000 by consolidating and transferring MPF accrued benefits to an HSBC MPF Personal Account.

What's more, enjoy an additional bonus unit rebate of up to HKD5,888 when you consolidate and transfer your MPF accrued benefits to HSBC MPF via the HSBC HK App with the designated promo code 'TOP1'[@mpf-latest-hkbchkapp].

Investment involves risks. T&Cs apply

Enjoy a bonus unit rebate of up to HKD20,888

From 1 June to 30 September 2025, enjoy a bonus unit rebate of up to HKD15,000 when you successfully transfer your MPF accrued benefits from other MPF providers by consolidating personal account(s), Employee Choice Arrangement (ECA) or through transfer of Minimum MPF Benefits from other ORSO providers, into an HSBC MPF Personal Account.

What’s more, enjoy an additional bonus unit rebate of up to HKD5,888 upon successful transfer of MPF accrued benefits to an HSBC MPF Personal Account via the HSBC HK App with designated promo code 'TOP1'[@mpf-latest-hkbchkapp].

You'll qualify for different levels of rebate depending on the cumulative amount you transfer in within the promotion period, as illustrated in the following table:
Tier Cumulative transfer-in MPF accrued benefits (HKD) Standard Personal Account Consolidation Offer - Cumulative bonus unit rebate (HKD) Mobile Personal Account Consolidation Offer - Additional bonus unit rebate (HKD) Mobile Personal Account Consolidation Offer - Cumulative bonus unit rebate (HKD)
1 50,000 –
99,999
150 0 150
2 100,000 – 199,999 350 0 350
3 200,000 – 499,999 700 500 1,200
4 500,000 – 999,999 1,800 500 2,300
5 1,000,000 – 1,499,999 5,000 500 5,500
6 1,500,000 – 1,999,999 12,000 500 12,500
7 2,000,000 or above 15,000 5,888 20,888
You'll qualify for different levels of rebate depending on the cumulative amount you transfer in within the promotion period, as illustrated in the following table:
Tier 1
Cumulative transfer-in MPF accrued benefits (HKD) 50,000 –
99,999
Standard Personal Account Consolidation Offer - Cumulative bonus unit rebate (HKD) 150
Mobile Personal Account Consolidation Offer - Additional bonus unit rebate (HKD) 0
Mobile Personal Account Consolidation Offer - Cumulative bonus unit rebate (HKD) 150
Tier 2
Cumulative transfer-in MPF accrued benefits (HKD) 100,000 – 199,999
Standard Personal Account Consolidation Offer - Cumulative bonus unit rebate (HKD) 350
Mobile Personal Account Consolidation Offer - Additional bonus unit rebate (HKD) 0
Mobile Personal Account Consolidation Offer - Cumulative bonus unit rebate (HKD) 350
Tier 3
Cumulative transfer-in MPF accrued benefits (HKD) 200,000 – 499,999
Standard Personal Account Consolidation Offer - Cumulative bonus unit rebate (HKD) 700
Mobile Personal Account Consolidation Offer - Additional bonus unit rebate (HKD) 500
Mobile Personal Account Consolidation Offer - Cumulative bonus unit rebate (HKD) 1,200
Tier 4
Cumulative transfer-in MPF accrued benefits (HKD) 500,000 – 999,999
Standard Personal Account Consolidation Offer - Cumulative bonus unit rebate (HKD) 1,800
Mobile Personal Account Consolidation Offer - Additional bonus unit rebate (HKD) 500
Mobile Personal Account Consolidation Offer - Cumulative bonus unit rebate (HKD) 2,300
Tier 5
Cumulative transfer-in MPF accrued benefits (HKD) 1,000,000 – 1,499,999
Standard Personal Account Consolidation Offer - Cumulative bonus unit rebate (HKD) 5,000
Mobile Personal Account Consolidation Offer - Additional bonus unit rebate (HKD) 500
Mobile Personal Account Consolidation Offer - Cumulative bonus unit rebate (HKD) 5,500
Tier 6
Cumulative transfer-in MPF accrued benefits (HKD) 1,500,000 – 1,999,999
Standard Personal Account Consolidation Offer - Cumulative bonus unit rebate (HKD) 12,000
Mobile Personal Account Consolidation Offer - Additional bonus unit rebate (HKD) 500
Mobile Personal Account Consolidation Offer - Cumulative bonus unit rebate (HKD) 12,500
Tier 7
Cumulative transfer-in MPF accrued benefits (HKD) 2,000,000 or above
Standard Personal Account Consolidation Offer - Cumulative bonus unit rebate (HKD) 15,000
Mobile Personal Account Consolidation Offer - Additional bonus unit rebate (HKD) 5,888
Mobile Personal Account Consolidation Offer - Cumulative bonus unit rebate (HKD) 20,888

Investment involves risks. T&Cs apply.

See how to consolidate your MPF accounts

You may consolidate your MPF personal accounts via the HSBC HK app within 10 minutes. Learn more about MPF personal account consolidation.

Tips:

  • When capturing the image of your HKID, please ensure the image is inside and within the photo frame.
  • Make sure there is no glare or light reflection on your HKID.

Not an HSBC MPF member yet? HSBC banking customers can also open their HSBC MPF Personal Accounts via the HSBC HK App in just 3 minutes, before consolidating their MPF accounts. Learn more about MPF personal account consolidation.

 

Tips:

  • When capturing the image of your HKID, please ensure the image is inside and within the photo frame.
  • Make sure there is no glare or light reflection on your HKID.

 

Make an appointment with our MPF Specialist at branch, or contact us via our hotline below.

Need help?

Make an appointment

Set up a time to meet with us to discuss your needs and concerns.

Contact us

Our hotline is open 24 hours a day, every day. But if you need to speak to a specialist, we're available between 8:30am and 7:30pm on Mondays to Fridays; between 8:30am and 1:00pm on Saturdays, except on public holidays.

HSBC MPF member hotline: +852 3128 0128

Awarded the '2025 MPF Scheme of the Year' & '2025 Employers' Choice'[@mpf-rating2024]

The only MPF provider in Hong Kong that has been crowned both the 'MPF Scheme of the Year' & 'Employers' Choice' for 3 consecutive years[@mpf-rating2024].

Find out more

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Manage your MPF needs and benefits all in one place

Notes

    The information contained here is for reference only and will be updated without notice. The provisions of the Mandatory Provident Fund Schemes Ordinance, other applicable legislation/regulations and guidelines or announcements published by the Mandatory Provident Fund Schemes Authority shall prevail for any information on MPF system. If you are in doubt about the meaning or the effect of the contents of this website, you should seek independent professional advice.

    Investment involves risks. Past performance is not indicative of future performance. The value of financial instruments, in particular stocks and shares, and any income from such financial instruments, may go down as well as up. For further details including the product features and risks involved, please refer to the MPF Scheme Brochure(PDF).