Insurance Intermediary

MPFE Guide: Study Materials, Contributions and Original Practice

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MPFE Guide: Study Materials, Contributions and Original Practice

MPFE preparation is not just memorising percentages. You need to identify who must contribute, which income counts, and the period and exceptions involved. This guide joins exam preparation, official study-material versions and contribution calculations into one revision route.

Try an original question and its explanations →

Know the format before planning revision

MPFE has 80 questions in two hours. Questions are bilingual, and the pass mark is 70%, or at least 56 correct answers. This is not a prediction of an individual's chance of passing. Use practice errors to select the next topic rather than treating a website score as an examination result.

Match the materials to your examination date

Use the official PEAK examination and study-material links to confirm the applicable documents. PEAK identifies the June 2026 syllabus for examinations on or after 1 October 2026; the older 2017 syllabus is not applicable to those sessions. An undated file from a search result is a poor version check.

For each rule, note the person, trigger and exception. A contribution problem distinguishes employer from employee. A withdrawal problem distinguishes eligibility from the evidence needed. A table of numbers alone will not explain which condition makes a figure relevant.

Separate the two parties before calculating

The current minimum and maximum monthly relevant income levels for ordinary monthly paid employees are HK$7,100 and HK$30,000. Below the minimum, the employee makes no mandatory contribution, but the employer still pays 5% of relevant income. Above the maximum, each ordinarily contributes HK$1,500. Other pay periods and employment categories need their own rules.

Write separate lines for employee and employer. Establish each duty before calculating. Check monthly or non-monthly pay, any contribution holiday, and whether the question gives relevant income or only basic salary. This helps expose the mistake of applying one party's exemption to both.

Practise the same reasoning with a different scenario

The original website question below uses a full month after the contribution holiday so you can focus on the two parties' duties. After checking, explain why each competing option fails. Then vary income, employment status or the contribution period. Return to the MPFA contribution guidance when a condition is unclear.

For ongoing practice, download the MPFE app free to try topic questions, explanations and wrong-answer review. Choose Pro as needed; its access period and price are shown in the purchase screen. Website examples and app records are separate. One example is not a full mock examination or pass assessment.

Confirm enrolment arrangements in the current PEAK handbook. Passing is one condition for intermediary registration, not registration itself. A new applicant must have passed the relevant exam within the year before registration, so plan both steps together.

Frequently asked questions

How many correct answers are needed for MPFE?
The exam has 80 questions in two hours, with a 70% pass mark: at least 56 correct answers. Questions are bilingual. This does not predict an individual's result.
Do both parties stop contributing below HK$7,100?
No. For an ordinary monthly paid employee below the minimum relevant income, the employee makes no mandatory contribution but the employer still pays 5% of relevant income. Check other employment types and contribution holidays separately.
Can I sell MPF products immediately after passing?
Passing is one registration condition. Other MPFA requirements and registration still apply. A new applicant must have passed the relevant examination within the year before registration.

TRY ONE ORIGINAL QUESTION

MPFE · Contributions below the minimum relevant income

A website introduction with no sign-in. Answer, read the reasoning and choose your next practice. One question cannot assess the whole paper.

A non-exempt, monthly paid regular employee is aged 35 and has completed the employee contribution holiday. Relevant income for the full month is HK$6,000. Under the current ordinary rules, what are the employee's and employer's mandatory contributions respectively?

Next, practise the reasoning behind your mistake

Identify employee or employer, monthly or non-monthly pay, relevant income and any contribution holiday. Use the app for other income and employment scenarios and revisit your mistakes.

Download free to try. Check the app purchase screen for Pro content, duration and price. Website examples do not enter app records.

Download on the App StoreGet it on Google Play

Practice Questions (10)

Questions from the same category. Reveal results after answering.

1. 根據《強制性公積金計劃條例》,下列哪些屬「自僱人士」定義的不同部分? (i) 有關入息並非以僱員身分賺取 (ii) 有關入息來自在香港全部或部分生產貨品或提供服務 (iii) 有關入息來自在香港或從香港進行貨品或服務的營業

multiple_choice

2. 根據《強制性公積金計劃(一般)規例》,受託人在向計劃成員或申索人支付累算權益後,必須提供一份最終權益報表。該報表必須涵蓋下列哪項關鍵資訊?

multiple_choice

3. 根據積金局頒佈的《註冊中介人操守要求指引》,註冊中介人必須對其所推銷或提供受規管意見的產品具備良好的認識。下列哪些項目屬於指引中明確規定的認識範圍? (i) 當前的市場及經濟狀況,以協助客戶預測未來投資回報 (ii) 註冊計劃及成分基金的特點與性質 (iii) 營運或分銷計劃的主要人士之身分(如核准受託人及投資經理) (iv) 計劃及各個成分基金的費用及收費水平

multiple_choice

4. 一名自僱人士已參加強積金計劃,該計劃的財政年度終結日定為每年的 9 月 30 日。若該自僱人士選擇以「按年」的方式支付強制性供款,根據強積金法例規定,其供款日應為:

multiple_choice

5. 強積金制度設有多層保障措施,統稱為「安全網」。下列哪些屬於這套安全網的組成部分? (i) 核准受託人須符合嚴格的核准及持續監管要求 (ii) 核准受託人須就註冊計劃安排足夠的專業彌償保險 (iii) 設有補償基金,在法定條件下處理因失當行為或違法行為造成的合資格損失 (iv) 計劃資產須與受託人的自有資產分隔並由獨立保管人保管

multiple_choice

6. 按研習資料第6.4節對強積金制度引入時的銜接安排,僱主在遵守計劃規則、成員權益及適用法律下,同時提供強積金及職業退休計劃,該僱主可以採取下列哪些行動? (i) 重組現有的職業退休計劃,以為現有成員提供「增補利益」 (ii) 停止讓新僱員加入現有的職業退休計劃(即成為「封閉計劃」) (iii) 停止向現有的職業退休計劃支付未來供款(即成為「凍結計劃」)

multiple_choice

7. 根據強積金相關法例及監管規定,所有強積金計劃下的成分基金(Constituent Funds)必須符合特定的嚴格要求。下列哪一項敘述「不屬於」這些法定或監管規定?

multiple_choice

8. 根據強積金法例,在處理職業退休計劃(ORSO)與強積金(MPF)制度的銜接安排時,下列哪一類參加獲豁免職業退休註冊計劃的人士,必須受「最低強積金利益」(Minimum MPF Benefits)規定的約束?

multiple_choice

9. 根據現行監管框架,證券及期貨事務監察委員會(證監會)所頒布的《證監會強積金產品守則》,在對強積金產品的持續監管要求上,與下列哪一項的規定互相呼應?

multiple_choice

10. 下列哪些是核准匯集投資基金(APIF)可採用的法律成立形式? (I) 單位信託 (II) 保險單 (III) 股票基金 (IV) 債券組合

multiple_choice

Practice Questions

From: MPFE 強積金中介人資格考試題庫|一次過合格懶人包

View full quiz bank
1
根據《強積金條例》,僱主在透過積金易平台向核准受託人繳納供款時,必須連同填妥的付款結算書一併遞交。下列哪項或哪些項目必須在付款結算書中列明? (i) 僱員在該供款期內的有關入息 (ii) 僱主作出的強制性供款金額 (iii) 僱員作出的強制性供款金額 (iv) 僱主及/或僱員作出的自願性供款金額(如有)
A只有 (i) 及 (ii)
B只有 (ii) 及 (iii)
C只有 (i), (ii) 及 (iii)
D(i), (ii), (iii) 及 (iv)
2
根據強積金法例,關於核准受託人須為註冊計劃安排的專業彌償保險,下列哪項最準確?
A保障只限於受託人本身的一般法律責任
B保障須涵蓋規例訂明的風險,包括核准受託人或服務提供者的欺詐、不誠實或疏忽
C保障條款必須與所有市售商業專業彌償保單完全相同
D是否安排該保險完全由受託人自行決定
3
根據《強積金中介人操守要求指引》,主事中介人必須確保在特定的銷售或服務過程中進行錄音,並妥善保存相關紀錄。下列哪些事項屬於指引中明確要求必須錄音的情況? (i) 向客戶解釋其選擇的強積金產品與其風險評估結果出現錯配(Mismatch)時的談話內容 (ii) 於銷售程序完成後,致電屬於「需特別照顧之客戶」(Vulnerable Customer)類別的客戶進行售後確認 (iii) 向一般客戶進行例行性的售後確認電話(Post-sale confirmation calls) (iv) 在銷售過程中,向客戶口頭披露有關中介人酬金的資料
A(ii) 及 (iii)
B(i) 及 (iii)
C(i) 及 (ii)
D(iii) 及 (iv)
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