Retirement age in Hong Kong: when you can claim your pension

When you can retire depends on your year of birth and how many years you have been insured. The calculator above shows the earliest age and the age for a full pension, and what each age would pay.

The rules in brief

Old age allowances: There is no contributory state pension. From 70 residents can get the Old Age Allowance of $1,675 a month without a means test; the means-tested Old Age Living Allowance pays $4,345 a month from 65 (rates from 1 February 2026).

Earliest and full pension, by year of birth

Born in	Earliest pension	Full pension
1965	age 61, in 2026	age 65, in 2030
1970	age 60, in 2030	age 65, in 2035
1975	age 60, in 2035	age 65, in 2040
1980	age 60, in 2040	age 65, in 2045
1985	age 60, in 2045	age 65, in 2050
1991	age 60, in 2051	age 65, in 2056
1995	age 60, in 2055	age 65, in 2060
2000	age 60, in 2060	age 65, in 2065

Assumes work from age 22 without gaps.

Example: born in 1991, what each age pays

Claim at age	Year	Change	Net a month
60	2051	0.0%	HK$9,431
61	2052	0.0%	HK$10,114
62	2053	0.0%	HK$10,849
63	2054	0.0%	HK$11,644
64	2055	0.0%	HK$12,506
65	2056	full pension	HK$13,441
66	2057	full pension	HK$13,845
67	2058	full pension	HK$14,286
68	2059	full pension	HK$14,768
69	2060	full pension	HK$15,297
70	2061	full pension	HK$17,555

Career from age 22 with the calculator’s example pay; amounts in today’s money.

Frequently asked questions

When can I retire in Hong Kong?
At 65 if you were born in 1991, or from 60 on early retirement, without a reduction factor.

Rules and official sources: see “Rules applied (2026)” in the calculator. Last checked: October 2026. Estimates for information, not financial advice.

Other questions about pay in Hong Kong: What is my hourly wage? · What is the minimum wage after tax? · What do I take home part-time? · What is my money worth after inflation?

All questions about pay in Hong Kong →

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The same calculator for Singapore · Japan · South Korea

Retirement age calculator · Hong Kong