2 MIN READ
UPDATED JUL 7, 2026💡 What to expect for employee benefits when you hire in Hong Kong through Toku. Hong Kong has two mandatory schemes - the Mandatory Provident Fund (MPF) and Employees' Compensation insurance - both handled by Toku. Supplemental health is available through the SafetyWing Hong Kong plan.
At a Glance
| Item | Detail |
|---|---|
| MPF (retirement) | 5% employer + 5% employee of relevant income; provider: Manulife |
| Workers' compensation | Mandatory for all employees; 100% employer-paid |
| Supplemental health | Remote Health by SafetyWing (Hong Kong plan), 100% employer-paid |
| Enrollment | MPF automatic at onboarding; health is opt-in |
Statutory Benefits
Mandatory Provident Fund (MPF). Hong Kong's retirement scheme requires contributions of 5% from the employer and 5% from the employee on relevant income. Toku administers enrollment through Manulife at onboarding and submits contributions monthly - the employer contribution is a cost to plan on every Hong Kong hire.
Employees' Compensation (workers' comp). Under the Employees' Compensation Ordinance, it is illegal to employ anyone in Hong Kong without an active policy - the requirement covers full-time, part-time, and temporary staff, and extends to employees working outside Hong Kong under a Hong Kong contract. Minimum coverage is HK$100 million per event (HK$200 million for larger employers). The policy covers medical expenses, wages during incapacity, permanent incapacity compensation, and death benefits.
The employer bears the full premium — deducting any part from employee wages is strictly prohibited. The policy renews annually and the premium is based on declared employee earnings; clients are informed of the annual charge each year.
Supplemental Health Through Toku
Hong Kong employees can opt into Remote Health by SafetyWing on the dedicated Hong Kong & Singapore plan, which also includes up to 6 months of full USA coverage. Toku sponsors 100% of the employee premium (billed to the client):
| Age | Premium (USD/month) | Premium Plus (USD/month) |
|---|---|---|
| 0 - 17 | $183 | $268 |
| 18 - 39 | $288 | $374 |
| 40 - 49 | $434 | $611 |
| 50 - 59 | $667 | $944 |
| 60 - 74 | $1,220 | $1,760 |
The plan carries a $1,500,000 annual maximum, covers pre-existing and chronic conditions from day one, and includes dental (preventive up to $1,500/year), optical ($500/year), and emergency evacuation. See the Global Remote Health guide for full coverage details and enrollment steps.
Last verified July 2026. This guide is for general information and doesn't constitute legal or tax advice. Questions? Contact [email protected].