POLICY EXPRESS · PE-LWB-185 · Labour and Welfare Bureau
Retirement Protection after MPF Offsetting
Offsetting ended on 1 May 2025 and the subsidy is flowing lightly, but the contribution bands are 13 years old.
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2 pages · English and 繁體中文 · Built on the 1134211 Framework · Facts as at 25 October 2026
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The tension and our thesis
The tension
Hong Kong has removed the offsetting that eroded severance and long service payments, yet the thing it exists to protect, retirement income, rests on contribution bands frozen for 13 years and a digital platform that is still earning trust.
Our thesis
Publish the subsidy’s data, phase the income-band increase, restore trust in the platform and review the subsidy at its fifth year.
Three policy problems this brief examines
- 01The subsidy’s cost is back-loaded
- 02The contribution bands lag behind
- 03The platform must earn member trust
Each problem is developed in three layers: the fact, why it persists, and the consequence for the system.
Three options compared
A · One step: adopt the proposed higher income bands at once.
B · Phase and support: raise the bands in steps with transition help for small firms.
C · Platform first: fix security and fees; leave contributions as they are.
The scored comparison, the justified recommendation with its phased measures, the implementation challenges, the stakeholder assessment and the success metrics are in the full brief.
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Both pages, in English and Traditional Chinese: the introduction and background, key figures, the three policy problems, the scored options, the recommendation with its phased measures, the implementation challenges, the stakeholder assessment and the conclusion.
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Facts and figures are checked against primary sources where we could retrieve them. † marks press-only figures. (J) marks IRB judgements. Facts as at 25 Oct 2026.
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