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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. 在強積金中介人規管架構下,如某主事中介人的核心業務屬銀行業,積金局通常會指派哪一機構作為其前線監管機構?

multiple_choice

2. 下列哪項最能區分一般自願性供款與強制性供款?

multiple_choice

3. 根據《強制性公積金計劃(一般)規例》及強積金保守基金的相關規定,下列哪一項關於強積金保守基金的敘述是不正確的?

multiple_choice

4. 根據《強制性公積金計劃條例》及相關規例,強積金計劃的主要投資經理必須是在香港註冊成立的投資管理公司,除了須持有港幣 1,000 萬元的繳足款股本外,其淨資產額亦必須符合下列哪項規定?

multiple_choice

5. 根據香港《強制性公積金計劃條例》,下列哪項或哪些描述準確界定了強積金制度下的「僱員」定義? (i) 該人士必須是《僱傭條例》適用範圍內的僱員 (ii) 該人士必須是根據僱傭合約(不論是口頭或書面,亦不論是明示或暗示)受聘於另一人 (iii) 該人士必須已受僱滿 60 日或以上

multiple_choice

6. 根據《強制性公積金計劃條例》,積金局發出的強積金指引(MPF Guidelines)涵蓋了多個範疇,以協助受託人及中介人遵守法規。下列哪些屬於積金局發出的指引類別? (i) 雜項 (ii) 計劃運作 (iii) 投資 (iv) 職業退休計劃與強積金計劃銜接安排

multiple_choice

7. 根據強積金法例及相關指引,核准匯集基金或成分基金的「投資政策陳述書」(Statement of Investment Policy) 應列明下列哪些事項? (i) 基金的投資目標 (ii) 基金可能投資的證券或其他資產類別 (iii) 各類證券與市場之間的比重 (iv) 整體投資組合的預期回報

multiple_choice

8. 根據積金局頒布的《註冊中介人操守要求指引》,主事中介人應實施與其運作規模、受規管活動範圍及類別相稱的管控措施及程序。具體而言,主事中介人在訂立相關安排、程序及管控措施時,應涵蓋以下哪些範疇? (i) 確保附屬中介人用以推銷註冊計劃或成分基金的要約文件及市場推廣資料已獲證監會認可(如適用)。 (ii) 確保附屬中介人遵守積金局指明的持續專業培訓(CPT)要求。 (iii) 確保主事中介人及其附屬中介人按規定在指明時限內向積金局提交周年申報表。 (iv) 確保所有受規管活動均由資深中介人親自代其執行。

multiple_choice

9. 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)

multiple_choice

10. 根據《強制性公積金計劃條例》,若一名自僱人士首次被裁定拖欠強積金供款,該人士最高可被判處下列哪項刑罰?

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
在強積金制度的行業計劃(Industry Schemes)下,「飲食業」涵蓋了多種與食物供應及餐飲服務相關的業務。根據相關指引,以下哪一項機構或場所並不屬於「飲食業」的範疇?
A屠房
B工廠食堂
C麵包餅食店
D持牌熟食檔
2
根據《強制性公積金計劃條例》,對於從事建築業或飲食業並按日僱用或僱期少於 60 日的「臨時僱員」,僱主必須在下列哪段法定期限內安排該僱員參加強積金計劃?
A不論參加哪種計劃,僱主均須在僱員受僱首 60 日內安排其參加計劃
B不論參加行業計劃或集成信託計劃,僱主均須在僱員受僱首 10 日內安排其參加計劃
C如參加行業計劃,期限為受僱首 10 日;如參加集成信託計劃,期限則為受僱首 60 日
D如僱員受僱期少於 10 日,僱主則無須安排其參加任何強積金計劃
3
根據《強制性公積金計劃條例》,若一個職業退休計劃(ORSO計劃)獲准與強積金制度銜接,其「強積金豁免證明書」應由下列哪一個機構負責簽發?
A強制性公積金計劃管理局 (積金局)
B職業退休計劃註冊處處長
C保險業監管局
D財政司司長
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