If I am unemployed for a long period of time, can I withdraw my accrued benefits to meet living costs?

No. Your MPF benefits can only be withdrawn under the following situations:


  • Attaining the retirement age of 65 years
  • Total incapacity
  • Terminal illness
  • Death
  • Permanent departure from Hong Kong
  • Meeting small balance provision (essentially less than HK$5,000)
  • Attaining 60 years of age and permanently ceasing the employment or self-employment