{"id":1550,"date":"2025-04-24T10:56:53","date_gmt":"2025-04-24T10:56:53","guid":{"rendered":"https:\/\/mielogroup.com\/?p=1550"},"modified":"2025-05-09T03:52:50","modified_gmt":"2025-05-09T03:52:50","slug":"mandatory-provident-fund-mpf-in-hong-kong-a-complete-guide","status":"publish","type":"post","link":"https:\/\/mielogroup.com\/zh\/mandatory-provident-fund-mpf-in-hong-kong-a-complete-guide\/","title":{"rendered":"\u9999\u6e2f\u7684\u5f3a\u5236\u6027\u516c\u79ef\u91d1 (MPF)\uff1a\u5b8c\u6574\u6307\u5357"},"content":{"rendered":"
\n\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

\"(\u300a\u4e16\u754c\u4eba\u6743\u5ba3\u8a00\u300b) <\/span>\u5f3a\u5236\u6027\u516c\u79ef\u91d1\uff08MPF\uff09<\/span> \u662f\u4e00\u4e2a <\/span>\u5f3a\u5236\u9000\u4f11\u50a8\u84c4\u8ba1\u5212<\/span> \u65e8\u5728\u5e2e\u52a9\u9999\u6e2f\u96c7\u5458\u3001\u5c45\u6c11\u548c\u5408\u8d44\u683c\u7684\u5916\u7c4d\u4eba\u58eb <\/span>\u786e\u4fdd\u4ed6\u4eec\u7684\u8d22\u52a1\u672a\u6765<\/span>.\u7ba1\u7406\u4eba <\/span>\u79c1\u4eba\u53d7\u6258\u4eba<\/span>\u56e0\u6b64\uff0cMPF \u65b9\u6848\u65e2\u80fd\u786e\u4fdd <\/span>\u96c7\u4e3b\u548c\u96c7\u5458\u7f34\u8d39<\/span> \u5b9e\u73b0\u957f\u671f\u50a8\u84c4\u3002<\/span><\/p>

\u7406\u89e3 <\/span>\u5f37\u7a4d\u91d1\u4f9b\u6b3e\u3001\u7533\u8acb\u8cc7\u683c\u3001\u7a05\u52d9\u512a\u60e0\u53ca\u63d0\u6b3e\u9078\u64c7<\/span> \u8fd9\u5bf9\u96c7\u4e3b\u548c\u96c7\u5458\u90fd\u81f3\u5173\u91cd\u8981\u3002<\/span><\/p>


<\/b><\/p>

\u5982\u4f55\u8ba1\u7b97\u5f3a\u79ef\u91d1\uff1f<\/span><\/p>

\u4e24\u8005 <\/span>\u96c7\u4e3b\u548c\u96c7\u5458<\/span> \u5fc5\u987b\u505a\u51fa\u8d21\u732e <\/span>\u96c7\u5458\u6708\u6536\u5165\u7684 5%<\/span>\u4e0a\u9650\u4e3a <\/span>HK$ \u6bcf\u6708 1,500 \u7f8e\u5143<\/span> \u5de5\u8d44 <\/span>\u9ad8\u4e8e HK$30,000<\/span>.<\/span><\/p>

 <\/span>\u8ba1\u7b97\u793a\u4f8b\uff1a<\/span><\/p>

  • \u85aa\u916c\u4f4e\u4e8e $7,000 \u6e2f\u5143<\/span> \u2192 <\/span>\u96c7\u4e3b\u51fa\u8d44 5%<\/span>, \u5458\u5de5\u7f34\u8d39\u662f\u975e\u5f3a\u5236\u6027\u7684\u3002<\/span><\/p><\/li>

  • \u85aa\u916c\u4ecb\u4e8e $7,000 - HK$30,000 \u4e4b\u95f4<\/span> \u2192 <\/span>\u96c7\u4e3b\u548c\u96c7\u5458\u5404\u51fa\u8d44 5%<\/span>.<\/span><\/p><\/li>

  • \u85aa\u8d44\u9ad8\u4e8e $30,000 \u6e2f\u5143<\/span> \u2192 <\/span>\u4e24\u7b14\u4f9b\u6b3e\u7684\u4e0a\u9650\u5747\u4e3a $1,500 \u6e2f\u5143<\/span>.<\/span><\/p><\/li><\/ul>


    <\/b><\/p>

    \u50f1\u4e3b\u4f55\u6642\u9700\u8981\u70ba\u50f1\u54e1\u767b\u8a18\u5f37\u7a4d\u91d1\uff1f<\/span><\/p>

     \u96c7\u4e3b\u5fc5\u987b\u4e3a\u65b0\u5458\u5de5\u6ce8\u518c\u4e00\u4e2a <\/span>\u5f37\u7a4d\u91d1\u8a08\u5283 60 \u5929\u5167<\/span> \u5f00\u59cb\u65e5\u671f\u3002<\/span>
    <\/span> \u6350\u6b3e\u5fc5\u987b <\/span>\u6bcf\u6708 10 \u65e5\u524d\u652f\u4ed8<\/span>.<\/span>
    <\/span> \u96c7\u4e3b <\/span>\u4ece\u5458\u5de5\u5de5\u8d44\u4e2d\u6263\u9664\u5458\u5de5\u5e94\u627f\u62c5\u7684\u90e8\u5206<\/span> \u5e76\u5411\u5f3a\u79ef\u91d1\u8ba1\u5212\u63d0\u4ea4\u5168\u989d\u6b3e\u9879\u3002<\/span><\/p>

     <\/span>\u903e\u671f\u52a0\u5165\u5f37\u7a4d\u91d1\u7684\u7f70\u5247<\/span> - \u96c7\u4e3b\u672a\u80fd <\/span>\u5728\u7b2c 60 \u5929\u4e4b\u524d\u4e3a\u5458\u5de5\u6ce8\u518c<\/span> \u53ef\u80fd\u9762\u4e34\u7684\u95ee\u9898\uff1a<\/span>
    <\/span> A <\/span>\u7f5a\u6b3e\u6700\u9ad8\u8fbe $350,000 \u6e2f\u5143<\/span>
    <\/span> <\/span>\u6700\u9ad8 3 \u5e74\u76d1\u7981<\/span><\/p>


    <\/b><\/p>

    \u54ea\u4e9b\u4eba\u7b26\u5408\u5f3a\u79ef\u91d1\u7533\u8bf7\u8d44\u683c\uff1f<\/span><\/p>

    \u5168\u90e8 <\/span>18 \u5c81\u81f3 65 \u5c81\u7684\u96c7\u5458<\/span> \u5728\u9999\u6e2f\u5de5\u4f5c\u7684\u4eba\u58eb\uff0c\u4e0d\u8ad6\u570b\u7c4d\uff0c\u5747\u9808 <\/span>\u5411\u5f3a\u79ef\u91d1\u4f9b\u6b3e<\/span>.\u7136\u800c\uff0c\u6709\u4e9b\u4eba <\/span>\u8c41\u514d<\/span> \u6765\u81ea\u5f3a\u79ef\u91d1\u7f34\u6b3e\uff1a<\/span><\/p>

     <\/span>\u5bb6\u5ead\u4f63\u5de5<\/span>
    <\/span> <\/span>\u81ea\u8425\u804c\u4e1a\u8005<\/span>
    <\/span> <\/span>\u516c\u52a1\u5458\u548c\u5b66\u6821\u6559\u5e08<\/span> (\u7531\u5355\u72ec\u7684\u9000\u4f11\u91d1\u8ba1\u5212\u652f\u4ed8\uff09<\/span>
    <\/span>\u7372\u5f37\u7a4d\u91d1\u8c41\u514d\u7684\u8077\u696d\u9000\u4f11\u8a08\u5283\u6210\u54e1<\/span>
    <\/span>\u77ed\u671f\u5408\u540c\u5916\u7c4d\u96c7\u5458\uff08\u5c11\u4e8e 13 \u4e2a\u6708\uff09<\/span>
    <\/span>\u6d77\u5916\u9000\u4f11\u8ba1\u5212\u8986\u76d6\u7684\u96c7\u5458<\/span><\/p>

     <\/span>\u96c7\u4e3b\u5fc5\u987b\u63d0\u4f9b\u6708\u85aa\u8bb0\u5f55<\/span> \u5185\u7684\u5458\u5de5 <\/span>7 \u4e2a\u5de5\u4f5c\u65e5<\/span> \u6350\u6b3e\u3002<\/span><\/p>


    <\/b><\/p>

    \u9999\u6e2f\u5f37\u7a4d\u91d1\u8a08\u5283\u7684\u7a2e\u985e<\/span><\/p>

    \u9999\u6e2f\u63d0\u4f9b <\/span>\u4e09\u985e\u5f37\u7a4d\u91d1\u8a08\u5283<\/span> \u4ee5\u6ee1\u8db3\u4e0d\u540c\u7684\u4e1a\u52a1\u9700\u6c42\uff1a<\/span><\/p>

    1.\u96c6\u6210\u4fe1\u6258\u8ba1\u5212\uff08\u9762\u5411\u4e2d\u5c0f\u4f01\u4e1a\u548c\u4e2a\u4eba\uff09<\/span><\/p>

    \u5f00\u653e\u7ed9 <\/span>\u4e2d\u5c0f\u578b\u4f01\u4e1a<\/span>\u8fd9\u4e9b\u4eba\u5305\u62ec\uff1a\u4e2a\u4eba\u3001\u81ea\u8425\u804c\u4e1a\u8005\u548c\u8f6c\u79fb\u5f3a \u79ef\u91d1\u57fa\u91d1\u7684\u4e2a\u4eba\u3002<\/span>
    <\/span> \u6700\u5e38\u7528\u7684\u65b9\u6848\u3002<\/span><\/p>

    2.\u96c7\u4e3b\u8d44\u52a9\u8ba1\u5212\uff08\u9488\u5bf9\u5927\u516c\u53f8\uff09<\/span><\/p>

     \u8bbe\u8ba1\u7528\u4e8e <\/span>\u5927\u4f01\u4e1a<\/span> \u6709\u8bb8\u591a\u5458\u5de5\u3002<\/span>
    <\/span> \u53ea\u5bf9 <\/span>\u5355\u4e00\u96c7\u4e3b\u548c\u5173\u8054\u516c\u53f8\u7684\u96c7\u5458<\/span>.<\/span><\/p>

    3.\u884c\u4e1a\u8ba1\u5212\uff08\u9488\u5bf9\u9ad8\u8425\u4e1a\u989d\u884c\u4e1a\uff09<\/span><\/p>

     \u7279\u522b\u9488\u5bf9\u4ee5\u4e0b\u884c\u4e1a\u7684\u5458\u5de5 <\/span>\u9ad8\u6d41\u52a8\u6027\u884c\u4e1a<\/span>\u4f8b\u5982<\/span><\/p>

    • \u9910\u996e\u670d\u52a1<\/span><\/p><\/li>

    • \u5efa\u7b51<\/span>
      <\/span> \u9002\u7528\u4e8e <\/span>\u4e34\u65f6\u5de5<\/span> \u7ecf\u5e38\u66f4\u6362\u96c7\u4e3b\u3002<\/span><\/p><\/li><\/ul>


      <\/b><\/p>

      \u5f3a\u79ef\u91d1\u6295\u8d44\u9009\u62e9<\/span><\/p>

      \u5f3a\u79ef\u91d1\u4f9b\u6b3e\u6295\u8d44\u4e8e <\/span>\u5404\u79cd\u57fa\u91d1<\/span>\u5458\u5de5\u53ef\u4ee5\u6839\u636e\u81ea\u5df1\u7684\u60c5\u51b5\u9009\u62e9\u4e0d\u540c\u7684\u6295\u8d44\u7b56\u7565\u3002 <\/span>\u98ce\u9669\u627f\u53d7\u80fd\u529b\u548c\u8d22\u52a1\u76ee\u6807<\/span>.<\/span><\/p>

       <\/span>\u5f3a\u79ef\u91d1\u4fdd\u5b88\u57fa\u91d1<\/span> - \u4f4e\u98ce\u9669\uff0c\u4fdd\u7559\u8d44\u672c\u3002<\/span>
      <\/span> <\/span>\u8d27\u5e01\u5e02\u573a\u57fa\u91d1<\/span> - \u77ed\u671f\u3001\u7a33\u5b9a\u7684\u6295\u8d44\u3002<\/span>
      <\/span> <\/span>\u4fdd\u8bc1\u57fa\u91d1<\/span> - \u63d0\u4f9b\u56fa\u5b9a\u56de\u62a5\u7684\u8d44\u672c\u4fdd\u62a4\u3002<\/span>
      <\/span> <\/span>\u503a\u5238\u57fa\u91d1<\/span> - \u6295\u8d44\u4e8e\u56fa\u5b9a\u6536\u5165\u8bc1\u5238\u3002<\/span>
      <\/span> <\/span>\u6df7\u5408\u8d44\u4ea7\u57fa\u91d1<\/span> - \u80a1\u7968\u548c\u503a\u5238\u7684\u5747\u8861\u7ec4\u5408\u3002<\/span>
      <\/span> <\/span>\u80a1\u7968\u57fa\u91d1<\/span> - \u98ce\u9669\u8f83\u9ad8\uff0c\u4fa7\u91cd\u4e8e\u80a1\u7968\u3002<\/span>
      <\/span> <\/span>\u6307\u6570\u57fa\u91d1<\/span> - \u8ddf\u8e2a\u5e02\u573a\u6307\u6570\uff0c\u7528\u4e8e\u88ab\u52a8\u6295\u8d44\u3002<\/span><\/p>

      \u5458\u5de5\u5e94 <\/span>\u5b9a\u671f\u5ba1\u67e5<\/span> \u4ed6\u4eec\u7684\u6295\u8d44\u7ec4\u5408\uff0c\u4ee5\u786e\u4fdd\u7b26\u5408\u4ed6\u4eec\u7684\u8d22\u52a1\u76ee\u6807\u3002<\/span><\/p>


      <\/b><\/p>

      \u5982\u4f55\u6ce8\u518c\u5f3a\u79ef\u91d1\u8ba1\u5212\uff1f<\/span><\/p>

      \u5458\u5de5\u6ce8\u518c\u6d41\u7a0b\uff1a<\/span><\/p>

       <\/span>\u586b\u5199\u6ce8\u518c\u8868<\/span> \u7528\uff1a<\/span><\/p>

      • \u5f3a\u79ef\u91d1\u8ba1\u5212\u7684\u9009\u62e9<\/span><\/p><\/li>

      • \u4e2a\u4eba\u8d44\u6599\u548c\u7eb3\u7a0e\u5c45\u4f4f\u5730\u81ea\u6211\u8bc1\u660e<\/span><\/p><\/li>

      • \u96c7\u5458\u7b7e\u540d<\/span>
        <\/span> <\/span>\u5411\u5f3a\u79ef\u91d1\u53d7\u6258\u4eba\u63d0\u4ea4\u8868\u683c<\/span> \u5f00\u7acb\u5f3a\u79ef\u91d1\u8d26\u6237\u3002<\/span>
        <\/span> <\/span>\u63a5\u6536\u53c2\u4e0e\u901a\u77e5<\/span> \u786e\u8ba4\u5f3a\u79ef\u91d1\u8ba1\u5212\u8be6\u60c5\u3002<\/span><\/p><\/li><\/ul>

         <\/span>\u5982\u679c\u5458\u5de5\u672a\u63d0\u4ea4\u8868\u683c<\/span>\uff0c...... <\/span>\u96c7\u4e3b\u4ecd\u5fc5\u987b\u4e3a\u4ed6\u4eec\u6ce8\u518c<\/span> \u5728 60 \u5929\u5185\u4fdd\u6301\u5408\u89c4\u3002<\/span><\/p>


        <\/b><\/p>

        \u5f3a\u79ef\u91d1\u7a0e\u6536\u4f18\u60e0<\/span><\/p>

        \u5f37\u7a4d\u91d1\u4f9b\u6b3e\u512a\u60e0 <\/span>\u8282\u7a0e\u673a\u4f1a<\/span> \u8fd9\u4e24\u4e2a <\/span>\u96c7\u5458\u548c\u96c7\u4e3b<\/span>:<\/span><\/p>

         <\/span>\u5458\u5de5<\/span> \u53ef\u4ee5\u7d22\u8d54 <\/span>\u6bcf\u5e74\u6700\u9ad8\u53ef\u83b7HK$18,000\u7684\u7a0e\u9879\u6263\u9664<\/span>.<\/span>
        <\/span> <\/span>\u96c7\u4e3b<\/span> \u6700\u591a\u53ef\u6263\u9664 <\/span>\u96c7\u5458\u5e74\u85aa\u7684 15%<\/span> \u4ece\u5e94\u7a0e\u6536\u5165\u4e2d\u6263\u9664\u3002<\/span><\/p>

        \u8fd9\u4e9b <\/span>\u7a0e\u6536\u4f18\u60e0<\/span> \u4f7f MPF <\/span>\u5b9d\u8d35\u7684\u957f\u671f\u50a8\u84c4\u5de5\u5177<\/span> \u7528\u4e8e\u9000\u4f11\u89c4\u5212\u3002<\/span><\/p>


        <\/b><\/p>

        \u63d0\u53d6\u5f37\u7a4d\u91d1<\/span><\/p>

        \u5458\u5de5\u53ef\u4ee5 <\/span>\u63d0\u53d6\u5f3a\u79ef\u91d1\u50a8\u84c4<\/span> \u5728\u7279\u5b9a\u6761\u4ef6\u4e0b\uff1a<\/span><\/p>

         <\/span>65 \u5c81\u9000\u4f11<\/span> \u2192 \u5168\u989d\u63d0\u53d6\u5f3a\u79ef\u91d1\u3002<\/span>
        <\/span> <\/span>\u6c38\u4e45\u79bb\u5f00\u9999\u6e2f<\/span> \u2192 \u5141\u8bb8\u51ed\u79bb\u5883\u8bc1\u660e\u63d0\u6b3e\u3002<\/span>
        <\/span> <\/span>\u63d0\u524d\u9000\u4f11\uff0860-64 \u5c81\uff09\uff0c\u4e0d\u518d\u5c31\u4e1a<\/span>.<\/span>
        <\/span> <\/span>\u5b8c\u5168\u4e27\u5931\u80fd\u529b<\/span> \u2192 \u56e0\u5065\u5eb7\u72b6\u51b5\u65e0\u6cd5\u5de5\u4f5c\u3002<\/span>
        <\/span> <\/span>\u5c0f\u984d\u7d50\u9918\uff08HK$5,000\u4ee5\u4e0b\uff09\u53ca12\u500b\u6708\u5167\u6c92\u6709\u5f37\u7a4d\u91d1\u4f9b\u6b3e<\/span>.<\/span><\/p>

        \u5f3a\u79ef\u91d1\u63d0\u53d6\u7a0b\u5e8f\uff1a<\/span><\/p>

         <\/span>\u901a\u77e5\u5f3a\u79ef\u91d1\u53d7\u6258\u4eba<\/span> \u8868\u793a\u6709\u610f\u9000\u51fa\u3002<\/span>
        <\/span> <\/span>\u63d0\u4ea4\u6240\u9700\u6587\u4ef6<\/span> (\u4f8b\u5982\u79bb\u6e2f\u8bc1\u660e\u3001\u8eab\u4efd\u8bc1\u660e\uff09\u3002<\/span>
        <\/span> <\/span>\u9009\u62e9\u63d0\u6b3e\u65b9\u5f0f<\/span> (\u4e00\u6b21\u6027\u4ed8\u6e05\u6216\u8f6c\u5165\u6d77\u5916\u9000\u4f11\u8ba1\u5212\uff09\u3002<\/span>
        <\/span> <\/span>\u6279\u51c6\u540e\u652f\u4ed8\u8d44\u91d1<\/span>.<\/span><\/p>


        <\/b><\/p>

        \u6700\u7ec8\u60f3\u6cd5<\/span><\/p>

        \"(\u300a\u4e16\u754c\u4eba\u6743\u5ba3\u8a00\u300b) <\/span>\u5f3a\u5236\u6027\u516c\u79ef\u91d1\uff08MPF\uff09<\/span> \u626e\u6f14\u4e00\u4e2a <\/span>\u5728\u9000\u4f11\u89c4\u5212\u4e2d\u7684\u5173\u952e\u4f5c\u7528<\/span> \u4e3a\u9999\u6e2f\u96c7\u5458\u63d0\u4f9b\u7684\u670d\u52a1\u3002\u4e86\u89e3 <\/span>\u5f37\u7a4d\u91d1\u4f9b\u6b3e\u3001\u6295\u8cc7\u9078\u64c7\u3001\u7a05\u52d9\u512a\u60e0\u53ca\u63d0\u53d6\u7a0b\u5e8f<\/span> \u65e2\u6709\u52a9\u4e8e <\/span>\u96c7\u4e3b\u548c\u96c7\u5458<\/span> \u6709\u6548\u7ba1\u7406\u9000\u4f11\u50a8\u84c4\u3002<\/span><\/p>

        <\/p>

        \ud83d\udce2<\/span> <\/span>\u5728\u5f37\u7a4d\u91d1\u767b\u8a18\u3001\u5408\u898f\u6216\u6295\u8cc7\u898f\u5283\u65b9\u9762\u9700\u8981\u5354\u52a9\uff1f<\/span> \u7acb\u5373\u8054\u7cfb\u6211\u4eec\uff0c\u83b7\u53d6\u4e13\u5bb6\u6307\u5bfc\uff01<\/span><\/p>


        <\/span><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

        The Mandatory Provident Fund (MPF) is a compulsory retirement savings scheme designed to help employees, residents, and eligible expatriates in Hong Kong secure their financial future. Managed by private trustees, the MPF scheme ensures both employers and employees contribute towards long-term savings. Understanding MPF contributions, eligibility, tax benefits, and withdrawal options is essential for both […]<\/p>\n","protected":false},"author":1,"featured_media":1552,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[20],"tags":[36],"class_list":["post-1550","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hong-kong-business-guide","tag-employment-and-hr"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t