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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.

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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》,下列哪項關於「集成信託計劃」(Master Trust Scheme) 的描述最為正確?

multiple_choice

2. 強積金成分基金除可直接投資於准許證券或投資於核准匯集投資基金外,還可在符合規例的情況下投資於下列哪一項?

multiple_choice

3. 根據《強制性公積金計劃條例》及相關規例,「權益保存」(Preservation) 是強積金制度的核心原則之一。這項規定的主要目的是:

multiple_choice

4. 根據積金局發出的《強積金核准受託人合規標準》,受託人必須建立穩健的合規架構。下列哪一項並不屬於該合規標準所涵蓋的主要範疇?

multiple_choice

5. 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

6. 根據《強制性公積金計劃條例》,補償基金(Compensation Fund)最初由政府撥款注資,隨後透過向強積金計劃徵收費用來維持。該基金設立的主要目的是在下列哪種情況下,為計劃成員提供補償?

multiple_choice

7. 關於獲強積金(MPF)豁免的職業退休計劃(ORSO計劃),下列哪項描述是正確的? (i) 該計劃必須是根據《職業退休計劃條例》下的註冊計劃或豁免計劃 (ii) 該計劃必須已獲積金局發出強積金豁免證明書 (iii) 該計劃可根據其信託契據或規則,選擇是否允許新僱員參加 (iv) 該計劃必須符合《強積金條例》及其規例中關於豁免的所有相關規定

multiple_choice

8. 根據香港強制性公積金(強積金)制度的規定,除獲豁免人士外,一般僱員及其僱主在強制性供款方面的法定責任為何?

multiple_choice

9. 根據香港強制性公積金制度的規管架構,證券及期貨事務監察委員會(證監會)在強積金範疇中承擔哪些職責? (i) 審批強積金計劃的認可要約文件及相關的市場推廣資料 (ii) 規管獲其發牌或註冊為強積金中介人的中介機構 (iii) 審批及監管在強積金計劃下作為投資產品的認可單位信託基金 (iv) 負責強積金計劃的行政管理及受託人的註冊工作

multiple_choice

10. 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

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《強制性公積金計劃條例》,負責強積金中介人的註冊(Registration)以及發出有關操守指引的法定機構是:
A強制性公積金計劃管理局 (積金局)
B金融管理專員 (金管局)
C證券及期貨事務監察委員會 (證監會)
D保險業監管局 (保監局)
2
根據積金局現行《研習資料手冊》對強積金計劃與職業退休計劃的比較,下列哪項描述不正確?
A強積金計劃必定是界定供款計劃;職業退休計劃則可以是界定供款或界定利益計劃
B強積金計劃是強制設立;職業退休計劃是僱主自願設立
C強積金計劃受香港法律管限;職業退休計劃可受香港以外地方的法律管限
D強積金計劃僱主強制性供款的歸屬視乎服務年期及計劃規則,與職業退休計劃相同
3
根據《強制性公積金計劃條例》及相關規例,關於「核准匯集投資基金」(Approved Pooled Investment Fund, APIF) 的法律結構,下列哪項描述最為準確?
A僅限於由獲授權保險公司發出的保險單
B必須是以保險單形式或認可單位信託形式組成的基金
C由強積金受託人直接管理的互惠基金
D僅限於在香港交易所上市的封閉式投資公司
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