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MPF Fee Impact Calculator

Fees compound: starting with HK$100,000, adding HK$3,000 a month and assuming a 5% return, FERs of 0.7% vs 1.7% end about HK$450,000 apart after 30 years. Pure arithmetic, not a return forecast.

Last updated: 2026-10-21

How it works

Each month: balance = previous balance × (1 + (assumed return − FER) ÷ 12) + monthly contribution. The two scenarios differ only in fees, so the gap shows the compounding effect of fees alone. The assumed return is your input, not a forecast for any fund.

Actual MPF fee range

As of 2026-09-30, among funds with a published FER, the 10th percentile was 0.78%, the median 1.23% and the 90th percentile 1.67%. See lowest-fee funds and the fees vs returns study.

This page is general educational information, not investment, tax or legal advice, and does not consider anyone's circumstances. Rules may change; rely on the latest official MPFA, Labour Department, IRD and trustee information and consult a licensed or registered professional where appropriate. Full disclaimer

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FAQ

How much does a 1% fee gap matter over 30 years?

Starting with HK$100,000, adding HK$3,000 a month and assuming a 5% gross return, FERs of 0.7% vs 1.7% differ by about HK$450,000 after 30 years (pure arithmetic).

Do lower-fee funds always return more?

No. Returns depend mainly on asset class and markets; fees are just the certain cost.