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Hang Seng MPF A Smart Choice Today A Prosperous Future
Hang Seng MPF > Product Information > Hang Seng MPF Flexi-Contributions
Hang Seng MPF Flexi-Contributions


    1. The Hang Seng Mandatory Provident Fund – SuperTrust Plus and ValueChoice are mandatory provident fund schemes.
    2. You should consider your own risk tolerance level and financial circumstances before making any investment choices. When, in your selection of funds, you are in doubt as to whether a certain fund is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and/or professional advice and choose the fund(s) most suitable for you taking into account your circumstances.
    3. You should consider your own risk tolerance level and financial circumstances before investing in the MPF Default Investment Strategy. You should note that the DIS constituent funds, namely, the Core Accumulation Fund and the Age 65 Plus Fund, may not be suitable for you, and there may be a risk mismatch between the DIS constituent funds and your risk profile (the resulting portfolio risk may be greater than your risk preference). You should seek financial and/or professional advice if you are in doubt as to whether the DIS is suitable for you, and make the investment decision most suitable for you taking into account your circumstances.
    4. You should note that the implementation of the DIS may have an impact on your MPF investments and benefits. We recommend that you consult with the Trustee if you have doubts on how you are being affected.
    5. The Guaranteed Fund under Hang Seng Mandatory Provident Fund – SuperTrust Plus invests solely in an approved pooled investment fund in the form of an insurance policy provided by HSBC Life (International) Limited. The guarantee is also given by HSBC Life (International) Limited. Your investments in the Guaranteed Fund, if any, are therefore subject to the credit risks of HSBC Life (International) Limited. Please refer to the 'Warning' section under 'Guaranteed Fund' in Part II - Fund Structure of the 'Principal Brochure' of Hang Seng Mandatory Provident Fund – SuperTrust Plus for details of the credit risk.
    6. The guarantee in the Guaranteed Fund only applies under certain conditions. Please refer to the ‘Guarantee features‘ section under ‘Guaranteed Fund‘ in Part II – Fund Structure of the ‘Principal Brochure‘ of Hang Seng Mandatory Provident Fund – SuperTrust Plus for full details of the guarantee features and Guarantee Conditions, including the guarantee features in the context of payment of benefits in instalments.
    7. MPF Benefits and AVC Benefits payable on a Member's 65th birthday or early retirement on or after his/her reaching age 60 can be paid in one lump sum or in instalments, at the Member's election (in such form and on such terms as the Trustee may, to the extent not prohibited by the 'MPF Ordinance' or General Regulation, prescribe). Please refer to the 'Payment of MPF Benefits and AVC Benefits' section under 'Payment of benefits' in Part I - Product Information of the relevant 'Principal Brochure' for full details.
    8. You should not invest based on this page alone and should read the relevant 'Principal Brochure'.
    9. Investment involves risks. Past performance is not indicative of future performance. The value of financial instruments, in particular stocks and shares, and any income from such financial instruments, may go down as well as up. For further details including the product features and risks involved, please refer to the relevant 'Principal Brochure'.

Whether or not you can enjoy a comfortable retirement is determined by your preparation now. The sooner, the better. To achieve your retirement goals, your MPF mandatory contributions alone may not be enough unless you start making additional contributions today.

That’s why with Hang Seng MPF Flexi-Contributions, this value-added service gives you the flexibility to prepare for a more enjoyable and rewarding retirement at your own pace.

Get into the retirement savings habit with Hang Seng MPF Flexi-Contributions. It’s an easy and convenient way to save for tomorrow and to prepare for a happy retirement.

Benefits of Flexi-Contributions
Total control

You can make contributions at your own pace. The service is totally private and independent of your employer.


Flexible and convenient payment

You can make monthly regular contributions from as little as HKD300 by direct debit, or simply pay a lump sum of HKD1,000 or more at the time of your choice.


Simple and easy application

All contributions under your MPF account will be invested in the same choice of funds for hassle-free investing.


Flexible management

To provide you with total flexibility, you can change your Flexi-Contributions anytime or even withdraw your accumulated amount free of charge, subject to a minimum of HKD5,000 per withdrawal up to 12 times in a scheme financial period (from 1 July to 30 June each year).

To make regular Flexi-Contributions, just download and complete the “Flexi-Contributions Application Form (Employee)” (HAPC) / “Flexi-Contributions Application Form (Personal Account Holder)” (HAPH). If you have any questions, please call our service hotline on 2213 2213.


Flexi-Contributions are accepted at the discretion of the Trustee. The Trustee reserves the absolute right not to accept any additional voluntary contributions and Flexi-Contributions at any time.

Investment involves risks. Past performance is not indicative of future performance. The value of financial instruments, in particular stocks and shares, and any income from such financial instruments, may go down as well as up. For further details including the product features and risks involved, please refer to the relevant ‘Principal Brochure’.

Issued by Hang Seng Bank Limited
Contact Us
Hang Seng MPF Hotline MPF Specialists at Designated Branches
Existing MPF Customers Service hours:Mon - Fri,9 am to 5 pm
- Employers: 2288 6822
- Members / Self-employed persons: 2213 2213
- HKSARG Employees: 2269 2269
Non-existing MPF Customers
- Enquiries / Apply for Hang Seng MPF: 2997 2838