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Top 10 Best MPF Providers and Schemes in Hong Kong 2026
10 remaining
#1
Sun Life Rainbow MPF Scheme
Sun Life's Rainbow MPF scheme consistently ranks among HK's lowest-cost providers, with a Fund Expense Ratio (FER) on its index-tracking Constituent Funds as low as 0.87% — below the industry average of 1.46% for actively managed funds. The scheme offers 22 constituent funds including DIS (Default Investment Strategy) funds that automatically de-risk as the member approaches retirement age. Sun Life's online member portal allows real-time contribution tracking, fund switching in under 60 seconds, and voluntary contribution top-ups via mobile.
#2
Manulife MPF
Manulife is Hong Kong's largest MPF provider by member count, managing schemes for over 350,000 scheme members and 50,000+ employer clients. Its MPF scheme offers the widest range of constituent funds — 30 options including ESG funds, Greater China equity, and global bond funds. Manulife's eMPF platform integration reduces employer admin to minutes per month. The Global Select fund returned 11.2% net of fees in 2025 — among the top-quartile equity fund performances in the industry.
#3
AIA MPF Prime Value Choice
AIA's Prime Value Choice MPF scheme features an FER as low as 0.72% on its Stable Fund — one of the lowest stable fund rates in the market. AIA focuses on employer simplicity: setup takes 1 business day online, monthly employer filing is a single CSV upload, and dedicated HR hotlines have sub-5-minute wait times. The scheme's DIS funds track a global equity index and HK bond benchmark, providing transparent beta exposure without active management fees eating into compounding returns over decades.