Hong Kong MPF Retirement Savings Projection

Jurisdiction and calculation limits

For regular Hong Kong monthly-paid employee periods after the contribution holiday, all amounts are HKD. Employer and employee each contribute 5%, capped at HK$1,500 each per month. Below HK$7,100 monthly income the employee contributes zero; the employer still contributes 5%. Voluntary contributions are separate. Special eligibility, first periods, contribution holidays and tax relief are not modeled; future limits are held constant. Check MPFA and scheme terms.

Returns and withdrawals are scenarios only

The annual return is your assumption, not a typical, historical or guaranteed MPF fund return. The model compounds a constant return monthly without simulating volatility, return sequence, inflation or fund fees. Compare lower and zero return assumptions; actual investments may lose money, and the input interface does not offer negative return scenarios.

The withdrawal rate only converts the retirement balance into a first-year monthly amount. It does not guarantee how long savings last or model later withdrawals, return sequence, inflation or fees. 4% → Projected retirement nest egg × 0.04 ÷ 12.