What is the passing score for the MPF Exam?

The passing score for the MPF Exam is 70%. With 80 questions in the exam, you need to answer at least 56 questions correctly to pass.

How many questions are in the MPF Exam?

The MPF Exam consists of 80 multiple-choice questions. Each question has 4 options and you must select the correct answer. All questions are compulsory.

How long is the MPF Exam?

The exam duration is 2 hours (120 minutes). This gives you approximately 1 minute 30 seconds per question.

Is there negative marking in the MPF Exam?

No, there is no negative marking. You should always attempt every question, even if you need to guess. A blank answer is always wrong, but a guess has a 25% chance of being correct.

What is the difference between CSME and PPME for the MPF Exam?

CSME (Computer Screen Mode) costs HK$395 and gives instant results. PPME (Pencil and Paper Mode) costs HK$325 but results take 5 working days. CSME also allows you to flag questions for review.

Which chapters have the most questions in the MPF Exam?

Chapter 3 (Key Features of MPF System) has the most questions at approximately 45% of the exam. Chapter 7 (MPF Intermediaries) is second at 20%, and Chapter 5 (MPF Schemes and Investment) is third at 19%.

Is the MPF Exam available in Chinese?

Yes, the MPF Exam is bilingual. All exam questions are presented in both English and Chinese simultaneously, so you can read questions in whichever language you prefer.

MPF Exam Passing Score & Exam Format: Complete 2026 Breakdown

Confused about the MPF Exam format? You're not alone.

Many candidates walk into the exam without fully understanding how it's scored, how many questions come from each chapter, or even the difference between CSME and PPME modes.

This guide breaks down everything you need to know about the MPF Exam format and passing requirements for 2026.

✨ TL;DR: MPF Exam At a Glance

Passing Score: 70% (56 out of 80 questions)
Duration: 2 hours (120 minutes)
Format: 80 multiple-choice questions
Language: Bilingual (English and Chinese)
Exam Fee: HK$395 (CSME) or HK$325 (PPME)

What is the MPF Exam Passing Score?

The MPF Exam passing score is 70%.

With 80 multiple-choice questions in the exam, this means you need to answer at least 56 questions correctly to pass.

Passing Score	70%
Questions to Pass	56 out of 80
Questions You Can Get Wrong	24 questions
Negative Marking?	No — guess if unsure!

Important: There is no negative marking for wrong answers. If you're unsure about a question, always make a guess — you have a 25% chance of getting it right.

MPF Exam Format (2026)

The MPF Exam (Mandatory Provident Fund Schemes Examination) tests your knowledge of Hong Kong's retirement protection system. Here's the complete format breakdown:

Official Name	Mandatory Provident Fund Schemes Examination
Administering Body	PEAK
Total Questions	80 multiple-choice questions
Question Format	Choose 1 correct answer from 4 options
Language	Bilingual — both English and Chinese shown
Time Limit	2 hours (120 minutes)
Time Per Question	~1.5 minutes (90 seconds)
Prerequisites	None — open to public

Time Management Strategy

With 120 minutes for 80 questions, you have approximately 1 minute 30 seconds per question.

Here's a recommended time strategy:

First pass (90 minutes): Answer all questions you're confident about. Flag difficult ones.
Second pass (25 minutes): Return to flagged questions. Make educated guesses.
Final review (5 minutes): Double-check answers, ensure no blanks.

Question Breakdown by Chapter

Not all chapters are weighted equally. Understanding the distribution helps you prioritise your study time.

Chapter	Topic	Est. Questions	Weight
Chapter 3	Key Features of MPF System	~36	45%
Chapter 7	MPF Intermediaries	~16	20%
Chapter 5	MPF Schemes and Investment	~15	19%
Chapter 2	Regulatory Framework	~5	6%
Chapter 4	MPF Trustees	~4	5%
Chapter 6	ORSO Interface Arrangements	~3	4%
Chapter 1	Introduction to MPF	~1	1%

Key Insight: The "Chapter 3 Trap"

Chapter 3 alone is 45% of the exam — that's 36 out of 80 questions.

Chapters 3, 5, and 7 combined make up 84% of the exam (approximately 67 out of 80 questions).

If you master these three chapters, you're already well on your way to passing.

For a detailed breakdown of what to study within each chapter, read our MPF Exam Chapter 3 Trap Guide. Want to see what questions look like? Try our free MPF Exam sample questions.

ExamPrep.hk is the best way to practice for the MPF Exam, with instant feedback and explanations to help you understand the concepts better. MPF Exam Instant Feedback and Explanation

ExamPrep.hk's Instant Feedback and Explanation feature helps you understand the concepts better.

CSME vs PPME: Which Exam Mode to Choose?

The MPF Exam is offered in two modes:

Feature	CSME (Computer)	PPME (Paper)
Full Name	Computer Screen Mode Examination	Pencil and Paper Mode Examination
Exam Fee	HK$395	HK$325
Results	Instant (same day)	5 working days
Question Flagging	✓ Yes	✗ No
Review Answers	Easy navigation	Manual flipping
Availability	More sessions	Limited sessions

Our Recommendation: CSME

We recommend CSME (Computer Mode) for most candidates because:

Instant results — Know if you passed immediately
Question flagging — Mark difficult questions to revisit
Easier navigation — Jump between questions easily
More exam slots — Greater scheduling flexibility

The extra HK$70 is worth it for the convenience and reduced anxiety.

💡 Practice Under Real Exam Conditions

The best way to prepare for the exam format is to practice with realistic mock exams. Our platform simulates the exact exam conditions — 80 questions, 2-hour timer, and instant scoring.

👉 Try a Free Mock Exam

ExamPrep.hk allows you to drill down on your weakest chapters and master the concepts. MPF Exam Practice by Chapter

ExamPrep.hk's Practice by Chapter mode helps you focus on specific chapters and master the concepts.

Comparing study options? Read our MPF Exam study methods comparison.

Exam Day: What to Expect

What to Bring

Valid original HKID Card (or passport for non-residents)
Admission form (from your confirmation email)

⚠️ Important: The ID you bring must be the same original document used during enrolment. Photocopies or different IDs will not be accepted.

Before the Exam

Arrive at least 30 minutes early
No phones, smartwatches, or electronic devices allowed
No notes, books, or study materials in the exam room

During the Exam

Read each question carefully — watch for "EXCEPT" and "NOT"
Don't spend more than 2 minutes on any single question
Flag difficult questions and return to them later
Never leave questions blank — there's no penalty for guessing
Questions are shown in both English and Chinese

After the Exam

CSME: Your score is displayed immediately on screen
PPME: Results available within 5 full working days
If you pass, you can apply to become an MPF intermediary (valid for 1 year)

How to Calculate Your Score

Here's a simple formula to track your readiness:

Your Score = (Correct Answers ÷ 80) × 100%

Example: If you answer 64 questions correctly:

64 ÷ 80 = 0.80 = 80% (Pass!)

Target Score: Aim for at least 75-80% in practice exams to give yourself a comfortable buffer on exam day. MPF Exam Performance by Chapter

ExamPrep.hk's Performance by Chapter mode helps you track your progress and master the concepts.

Summary: Key Numbers to Remember

Passing Score	70% (56/80 questions)
Total Questions	80 MCQs
Time Limit	2 hours (120 minutes)
Highest-Weight Chapters	Ch 3 (45%), Ch 7 (20%), Ch 5 (19%)
CSME Fee	HK$395
PPME Fee	HK$325

Ready to start preparing? Check out our Complete MPF Exam Study Guide for a proven study plan. Need to book your exam? See our step-by-step registration guide.