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Mandatory Provident Fund (MPF)
Hong KongHong Kong Economy

Hong Kong leader Carrie Lam’s proposal to increase MPF subsidy to HK$29.3 billion over 25 years to remove offsetting mechanism fails to impress business leaders or unionists

Chief executive makes clear in policy address that controversial mechanism in pension scheme must be scrapped

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The MPF offsetting mechanism has been a bone of contention since the scheme started. Photo: Martin Chan
Sum Lok-keiandPhila Siu
Small and medium-sized companies are set to benefit most from an improved subsidy proposal of HK$29.3 billion (US$3.75 billion) over 25 years to help them cope with changes to the Mandatory Provident Fund (MPF) pension scheme, it was announced on Wednesday.

For years, the so-called offsetting mechanism has allowed bosses to use their portion of contributions to employees’ MPF accounts to cover long service and severance payments.

Unionists complain that workers have little left in their pension funds after the offsetting and demand it be scrapped.

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Delivering her policy address on Wednesday, Hong Kong’s leader Carrie Lam Cheng Yuet-ngor made clear that the offsetting mechanism must be scrapped.

“The issue of MPF offsetting has been a bone of contention for a long time,” she said. “I consider now the time to make a decision to settle the issue that has beleaguered wage earners for years and to accord better retirement protection to employees.”

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Last year, then chief executive Leung Chun-ying proposed a subsidy of HK$7.9 billion over 10 years for employers. After Lam took over as leader, she proposed HK$17.2 billion over 12 years under a complex, two-tier subsidy scheme.

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