• Member Benefit Statement
  • Member Benefit Statement of 2024 will be issued by Principal MPF.

Registration with eMPF Platform and Changes to Document Submission / Collection Services:

Our MPF schemes will onboard to the eMPF Platform on May 7, 2025, please be reminded to register with the eMPF Platform. Also, after onboarding to the eMPF Platform, the following submission channels and collection services will undergo modifications. You may refer to the respective website https://www.empf.org.hk for details.

• Mailing address
• eMPF Service Centres
• Email Address
• Fax Number
• Online Document Submission Website

Clients should not send documents or payments to the eMPF Platform prior to the onboarding date.

The eMPF Platform will provide service channels for employers and members. The existing service channels offered by Principal will be discontinued. 

Transitional Operation Arrangement 

• The newly implemented procedure necessitates an earlier deadline for the completion of administrative procedures. 

• Please regularly review your contribution account to ensure the accuracy of your contribution details.  

• Prior to onboarding to the eMPF Platform, all new employer application and member enrollment for joining Principal MPF Scheme Series 800/Principal MPF - Smart Plan/Principal MPF - Simple Plan are required to be continuously submitted to Principal MPF until further notice.

• Change of Investment Choice
  • Please regularly evaluate the performance of the constituent funds you have chosen, review your investment portfolios and make corresponding adjustments based on different life stages’ needs and your risk tolerance level.
  • If you would like to change your investment direction/mandate and/or existing fund portfolio, you may submit your instruction continuously through the existing channel/way until further notice.
  • Upon successfully submitting the instruction to change the investment option through electronic channels, a confirmation will be displayed with a reference number.
  • Both valid or incomplete "Change of Investment Choice" requests will be rejected after the early cut-off date.

• Any valid or incomplete applications for a change of existing fund portfolio or a change of future investment mandate received between the early cutoff date and the onboarding date will not be processed.

• Default Investment Strategy arrangement
  • The last de-risking process for the Default Investment Strategy (DIS) will be conducted on the last dealing day prior to migration to the eMPF Platform. After the migration, eMPF Platform will take over and handle the process on the onboarding date.

• Transfer of Accumulated Benefits
  • When considering transferring the accumulated benefits, you should consider the potential risk of funds not being invested in the market during the transfer period from one MPF scheme to another.

• Account Consolidation
  • If you have multiple MPF Personal Accounts, you may consider consolidating these accounts into any personal account or contribution account for easier management.
  • You can use the online platforms provided by MPFA to assist you in comparing the services, fees, and fund performance of different trustees, so to find the right scheme and constituent fund(s) that suit your needs.
    • Trustee Service Comparative Platform: Compare the services across different MPF schemes.
    • MPF Fund Platform: Compare the fees and charges, and fund performance of all MPF funds offered by various trustees.

• Fund Transfer
  • If you would like to transfer your MPF accrued benefit under a MPF scheme from one trustee (Transferor Trustee) to different one (Transferee Trustee), the procedure would be different.
    • If the Transferor Trustee and Transferee Trustee of the MPF schemes you joined have been migrated to the eMPF Platform, you are required to submit your request of fund transfer/account consolidation through the online member portal on eMPF Platform.
    • If either one or both of the transferor trustee and transferee trustee have not been migrated to the eMPF Platform, you are required to submit your request of fund transfer/account consolidation to your new trustee same as current procedures.
    • If member does not give any instruction for handling contribution account after employment termination causing the accrued benefits to be automatically retained and transferred to a personal account under the same scheme, eMPF Platform will transfer the accrued benefits to the latest effective personal account when there is multiple personal accounts under the same scheme. 

• If you would like to claim for MPF payment or withdrawal of the accrued benefit derived from voluntary contribution portion from your Personal Account, you may submit completed relevant form with required documents (if applicable) to Principal MPF continuously until further notice.

• In order to smoothly transfer the most updated personal/account information record to eMPF Platform, scheme participant should make sure the personal information including address, phone number, email address, etc, are up-to-date in our record. If there is any change, please contact Principal MPF as soonest.

Registration with eMPF Platform and Changes to Document Submission / Collection Services:

Our MPF schemes will onboard to the eMPF Platform on May 7, 2025, please be reminded to register with the eMPF Platform. Also, after onboarding to the eMPF Platform, the following submission channels and collection services will undergo modifications. You may refer to the respective website https://www.empf.org.hk for details.

• Mailing address
• eMPF Service Centres
• Email Address
• Fax Number
• Online Document Submission Website

Clients should not send documents or payments to the eMPF Platform prior to the onboarding date.

Please regularly review your contribution account to ensure the accuracy of your contribution details.  

Employers can access and view the Suspense and Forfeiture account through the eMPF Platform's employer portal.

Contribution Reminder 

• Currently, the system verifies whether a corresponding contribution payment transaction has been created on the specified date to prompt the employer to submit the Remittance Statement. 

• After onboarding to eMPF Platform, the system identifies employers/ self-employed persons who have submitted remittance statements and/or payments. Subsequently, the system generates a notice to remind employers/ self-employed persons to submit their Remittance Statements and/or payments two days prior to the contribution due date. 

• The eMPF Platform will send a reminder notification through the eMPF system 2 working days before the contribution day, reminding employers to submit their contributions in advance. 

• If no contribution data and/or payment is submitted to the eMPF Platform within 3 working days after the contribution day, a notification will be sent to the employer via the eMPF system 4 working days after the contribution day.  

• For employers who submit paper remittance payments with or without cheque payments, a notification will be sent by post 7 working days after the contribution day if no contribution data and/or payment is received within 3 working days after the contribution day. 

Document Submission 

1. Employer should not send documents or payments to eMPF Platform before the onboarding date.
2. The receipt date of payment and/or remittance statement by eMPF Platform will be used to determine whether the payment is received on or before the contribution due date.
3. Remittance statements must be sent to eMPF Platform via post, email, facsimile, or in person to eMPF Service Centre not directly to the Principal.
4. Even if the remittance statement is sent through a registered or authorized email, it  must be signed by an authorized signer with a company stamp and sent to eMPF Platform.
5. Employers need to send the electronic copy of the remittance statement along with the password to eMPF Platform. eMPF Platform will not accept any encrypted electronic copy without a password, even if the password was provided beforehand. 

Withdraw Balance from Forfeiture Account  

• If employer selected to refund unvested benefit, eMPF Platform will promptly return the full forfeiture balance, rather than on a monthly basis.
• Forfeiture allocation can only be based on the following:
• Total employer’s voluntary contribution balance
• Total employer’s contribution account balance
• Total member account balance
• Evenly distribute to all members 

Voluntary Contribution 

• Employees who have a vesting schedule determined by their Date of Employment (DOE) and Adjusted Date of Employment (ADOE) respectively are not eligible to be categorized within the same member class.
• No one-month advance notice is required to change the relevant settings on eMPF Platform.
• Regardless of the reason for termination, the eMPF Platform does not provide full vesting if a member reaches retirement or override age.
• To meet the eMPF Platform’s requirements, the names of the member classes will be changed from the current system. 

Post-contribution 

• Employer can retrieve Contribution Summary on eMPF employer portal, detailing the breakdown of contributions for each member for each settled contribution.
• When filling out the remittance statement, please pay attention to the following points:
  • MPF Remittance Statement with contribution details of employee members along with the payment for every contribution period are required to be submitted to Principal MPF continuously until further notice.
  • Carefully review all the contribution data stated on the statement to ensure accuracy.
  • For employees with zero income during the contribution period, please indicate on the remittance statement that the employee’s relevant income is zero.
  • The company name on the company chop must match the company name on the remittance statement. Please ensure the authorized signature and company chop are clear and consistent with the record.

• When making contribution payments, please pay attention to the following points:
  • Cash payments are not accepted; we only accept autopay, cheques, bank-in/bill payments as contribution payment methods.

  • Please ensure that the Payee Name aligns with the Scheme Name if the payment is by cheque:

    Scheme name	Payee name
    Principal MPF Scheme Series 800	PTC - MPF S800
    Principal MPF - Smart Plan	PTC - Smart plan
    Principal MPF - Simple Plan	PTC - Simple plan

  • If contributions to multiple employer accounts under the same MPF scheme are paid by a single cheque, please ensure that all contract numbers are clearly indicated on the remittance statement or the payment proof.
     
  • If contributions for multiple upcoming contribution periods are paid by a single cheque, all contributions will be processed in the same single transaction, on the same transaction date.
     
  • We only accept contribution payments made from the bank account(s) associated with your company. Please refrain from using bank accounts of other individuals or organizations. In the event that the payment is made from a third-party payer’s account, we reserve the right to arrange a refund to the payer’s account via the original payment channel.

• Contribution Payroll Cycle
  • If the contribution payroll cycle is more frequent than monthly payments, you should pay the contributions to the trustee within the first 10 calendar days of the next calendar month.
• Initial Contribution Payment for a New Employee
  • Must be made to the trustee on or before the designated due date for the contribution period after the completion of 60 days of employment between the employer and the employee.
• Contribution Surcharge
  • If you fail to make timely contribution payments, including late or underpayments, you will be required to pay an additional contribution surcharge. The contribution surcharge will be calculated based on 5% of the contribution amount for that specific contribution period.

New Employer Application 

• eMPF Platform will collect certified true copy of registration documents.
• eMPF Platform will not conduct any online searches for new employer applications.
• New employers are required to provide all required documents and information to set up MPF account. eMPF Platform will not conduct any company searches.
• Prior to onboarding to the eMPF Platform, all new employer application and member enrollment for joining Principal MPF Scheme Series 800/Principal MPF - Smart Plan/Principal MPF - Simple Plan are required to be continuously submitted to Principal MPF until further notice.

• Please integrate your company’s human resources system (or payroll software solution) with the eMPF Platform as a preliminary system integration testing arrangement:
  • Once the eMPF Platform comes into operation, it will replace our existing administration system. All remittance statements for contributions, and employee data for employee enrollment and termination, will only be processed on the eMPF Platform.

  • Please request for Technical Specifications via this link and register for API Integration Test via this link. MPFA representatives will contact you and make arrangement accordingly.

  • For details, please refer to the FAQ provided by MPFA via this link (only English version is available).

• Terminating MPF Accounts
  • If required form and information for request of termination of employer account in Principal MPF cannot be received by the deadline of form collection date, your employer account with employee contribution account (if applicable) will be transferred to the eMPF Platform.
• Transitional Operation Arrangement
  • The newly implemented procedure necessitates an earlier deadline for the completion of administrative procedures.
• The eMPF Platform will provide service channels for employers and members. The existing service channels offered by Principal will be discontinued. 

• In order to smoothly transfer the most updated personal/account information record to eMPF Platform, scheme participant should make sure the personal information including address, phone number, email address, etc, are up-to-date in our record. If there is any change, please contact Principal MPF as soonest.

Contribution Reminder 

• Currently, the system verifies whether a corresponding contribution payment transaction has been created on the specified date to prompt the employer to submit the Remittance Statement. 

• After onboarding to eMPF Platform, the system identifies employers/ self-employed persons who have submitted remittance statements and/or payments. Subsequently, the system generates a notice to remind employers/ self-employed persons to submit their Remittance Statements and/or payments two days prior to the contribution due date. 

• The eMPF Platform will send a reminder notification through the eMPF system 2 working days before the contribution day, reminding employers to submit their contributions in advance. 

• If no contribution data and/or payment is submitted to the eMPF Platform within 3 working days after the contribution day, a notification will be sent to the employer via the eMPF system 4 working days after the contribution day.  

• For employers who submit paper remittance payments with or without cheque payments, a notification will be sent by post 7 working days after the contribution day if no contribution data and/or payment is received within 3 working days after the contribution day.