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Home > Administration of the civil service >> Retirement

Key Features of the CSPF Scheme

 

The CSPF Scheme is the retirement benefits system for officers who joined the civil service on new entry terms on or after 1 June 2000 and when they progress onto new permanent terms. It is set up under the Mandatory Provident Fund Schemes Ordinance (MPFSO), with the following key design features:

 

  1. for officers appointed to the civil service on or after 1 June 2000 but before 1 June 2015, the normal retirement age is 55 for disciplined services officers in general, 57 for certain prescribed disciplined ranks and 60 for all other officers.

    for officers appointed to the civil service on or after 1 June 2015, the normal retirement age is 60 for all disciplined services officers and 65 for all other officers;

  2. for officers appointed to the civil service on or after 1 June 2000 but before 1 June 2015, the Government's contributions under the CSPF Scheme, including mandatory and voluntary contributions, follow a progressive contribution rates schedule as follows -

    Completed years of
    continuous service
    on civil service terms
    (in years)

    Government's contribution rate
    in terms of the percentage
    of the officer's basic salary
    at his/her substantive rank

    Below 3

    5%

    3 - below 15

    15%

    15 - below 20

    17%

    20 - below 25

    20%

    25 - below 30

    22%

    30 or above

    25%

    for officers appointed to the civil service on or after 1 June 2015, the Government's contributions under the CSPF Scheme, including mandatory and voluntary contributions, follow a refined progressive contribution rates schedule as follows -

    Completed years of
    continuous service
    on civil service terms
    (in years)

    Government's contribution rate
    in terms of the percentage
    of the officer's basic salary
    at his/her substantive rank

    Below 3

    5%

    3 - below 18

    15%

    18 - below 24

    17%

    24 - below 30

    20%

    30 - below 35

    22%

    35 or above

    25%

    The contribution amount derived from applying the contribution rate includes both the Government's mandatory and voluntary contributions but excludes the Special Disciplined Services Contribution;

  3. disciplined services officers are provided with, in addition to (b) above, a Special Disciplined Services Contribution at 2.5% of the basic salary;

  4. the Government's contribution rate in respect of an officer upon his/her joining the CSPF Scheme would be the rate corresponding to his/her years of continuous service from first civil service appointment. Where an officer is directly appointed to a promotion post/rank on agreement and subsequently progresses to permanent terms, the Government's contributions for him/her will start at the rate on the progressive contribution rates schedule corresponding to the years of experience required for the promotion post/rank plus his/her years of continuous service since his/her first appointment to that promotion rank on civil service terms;

  5. the overall financial commitment of the CSPF Scheme would be kept within 18% of the salary cost; 

  6. the Government's voluntary contributions would be fully vested in an officer on completion of ten continuous years of service since first appointment or on reaching the normal retirement age, whichever is the earlier, with 0% vesting in the interim; 

  7. for disciplined services officers appointed to the civil service on or after 1 June 2000 but before 1 June 2015, the Special Disciplined Services Contribution would be fully vested in an officer on reaching the prescribed retirement age (i.e. 55 for the majority of disciplined services officers and 57 for certain prescribed ranks), with 0% vesting in the interim.

    for disciplined services officers appointed to the civil service on or after 1 June 2015, the Special Disciplined Services Contribution would be fully vested in an officer on reaching the normal retirement age of 60, with 0% vesting in the interim; and

  8. both the Government's voluntary contributions and the Special Disciplined Services Contribution would be fully vested in an officer on death, retirement on permanent incapacity or upon payment of accrued benefits derived from the mandatory contributions to him/her on the ground of terminal illness as provided under the MPFSO.

 

There are provisions to enable the forfeiture and reduction of benefits attributable to the Government's voluntary contributions and the Special Disciplined Services Contribution on disciplinary grounds, and withholding of such benefits in case of doubt.

 

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