VIII. Introduction to the eMPF Platform 「積金易平台」簡介

The eMPF Platform brings common standards, simpler processes and automation to the administration of different MPF schemes through one digital platform. It aims to make MPF management easier for scheme members and employers, improve operational efficiency and help reduce MPF fund administration fees.

The eMPF Company operates the eMPF Platform on not-for-profit and cost-recovery principles, and trustees’ administration fees must not exceed the Platform fees they pay. The Platform began operating in June 2024, and all MPF schemes had joined by 30 April 2026, with scheme members, employers and self-employed persons required to submit scheme administration instructions to it.

The MPFSO sets an administration fee ceiling and requires savings from eMPF to be reflected fully in the overall fund expense ratio. Trustees must pay any shortfall in the required reduction back into the affected constituent fund.

The MPFA oversees the eMPF Platform under the Mandatory Provident Fund Schemes Ordinance through its Regulatory Oversight Framework, approval of operating rules and compliance monitoring. Candidates should distinguish the eMPF Company's role in making the rules from the MPFA's role in approving them, and understand the purpose of on-site inspection and off-site monitoring.