Free MPF comparison tool for Hong Kong funds
Compare all 451 MPF constituent funds published by the MPFA (data as of 30 Sep 2026) in one place. Pick the funds you already hold, add the funds you are considering, and this MPF comparison ranks them side by side on 1-year and 5-year annualised returns, fund expense ratio (FER), MPFA risk class 1–7, return per unit of risk and fund size — with multi-tier sorting so you can rank on returns first and break ties on fees or risk.
Filter by provider or trustee to see only the schemes you can realistically transfer to, then read how the comparison is calculated further down this page.
FUNDS YOU CURRENTLY HOLD
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FUNDS YOU ARE CONSIDERING
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RESULTS — MULTI-TIER RANKING
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MPF PERFORMANCE CHART
Range of minimum and maximum annualized returns across MPF funds, grouped by fund type.
MPF calculator
Project how the funds you hold or are considering could grow, using their published MPFA returns and fees. Your held and considering funds are pre-filled below.
Your contributions
Monthly in: employee HK$1,250 + employer HK$1,250 mandatory (5% each, capped at HK$1,500; employees under HK$7,100 pay none) + HK$0 voluntary = HK$2,500.
Funds to compare (up to 3)
| Fund | FER | 5-year return p.a. | Balance in 25 yrs | Estimated fees paid | |
|---|---|---|---|---|---|
| BOC-Prudential MPF RMB & HKD Money Market Fund BOC-Prudential Easy-Choice Mandatory Provident Fund Scheme | 0.54% | 1.96% | HK$1,271,925 | HK$102,697 | |
| Guaranteed Fund MASS Mandatory Provident Fund Scheme | 2.88% | -1.39% | HK$807,032 | HK$382,423 |
Projected balance over time
How it works: MPFA returns are already after fees, so each fund grows at its published return (data as of 30 Sep 2026). “Estimated fees paid” is how much more the same fund would have grown with its FER added back. Past performance does not predict future returns; funds without a published figure are shown as “Not published” rather than estimated. For education only, not financial advice.
MPFA DATA ARCHIVE
Every month we have loaded is kept permanently. Download any month as CSV.
- 30 Sep 2026in use
- 31 Aug 2026
- 31 Jul 2026
- 30 Jun 2026
- 31 May 2026
Columns mirror the MPFA Fund Information Table. Blank cells are values MPFA did not publish for that fund — they are never filled in with substitutes. Data sourced solely from mfp.mpfa.org.hk; information only, not financial advice.
MPF NEWS
Curated updates from the MPF industry.
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MPFA email updates
How this MPF calculator and comparison works
This free MPF calculator and comparison tool ranks every Hong Kong Mandatory Provident Fund constituent fund published by the MPFA — around 451 funds as of 30 Sep 2026. Use it as an MPF calculator to project how HK$100,000 would have grown in each fund, and as a comparison tool to put the funds you already hold side by side with the funds you are considering — then sort them on the measures that actually decide your retirement balance: net returns, fund expense ratio and risk.
Why multi-tier sorting matters
A single-column league table hides trade-offs. A fund can top the 1-year table after one strong quarter, or look cheap on fees while carrying a risk class you would not accept. Multi-tier sorting lets you rank on 5-year annualised return first, then break ties on fund expense ratio, then on MPFA risk class — so the fund at the top of your list is the one that fits all of your criteria at once, not just the one that won a single metric.
What we compare
- 1-year and 5-year annualised returns, net of fund-level charges, plus each calendar year from 2021 onwards.
- Fund expense ratio (FER) — the yearly cost drag, the one input you can control.
- MPFA risk class 1–7 and a return-per-unit-of-risk ratio, so higher returns are judged against the volatility taken to earn them.
- Provider and trustee filters, so you can compare only the schemes you can realistically transfer to.
Where the data comes from
Every figure is taken from the MPFA Fund Performance Platform snapshot dated 30 Sep 2026. You can verify any number on the MPFA website. Derived measures — annualised returns and return-per-risk — are calculated from those published figures, and each result cell shows its source on hover. This is information only, not financial advice.
New to this? Read MPF fees explained, the MPF investment guide, or browse every MPF fund by provider.
Ready to consolidate your MPF?
Every MPF trustee is now on the eMPF Platform, so old accounts from previous jobs can be brought together in one place.
- 1Verify. Set up iAM Smart, the Hong Kong Government digital identity app.
- 2Register. Sign in to the eMPF Platform to see every MPF account you hold in one place.
- 3Compare. Use the table above, or the MPFA website, to check fees, FER and risk class. Consider talking it through with a registered MPF intermediary.
- 4Choose. Consolidate old personal accounts, or move your employee mandatory portion once a calendar year under the Employee Choice Arrangement.
- 5Transfer. Submit on the eMPF Platform, then check the destination fund's FER and risk class fit your risk tolerance and time horizon.
This site is free to use and information only — it does not give financial advice, and its figures and rankings come solely from published MPFA and trustee data (see the disclaimer for the operator's disclosure). The link opens the intermediary’s Manulife business card, not the MPFA’s public register.