Yes, it is normal for an MPF platform to restrict or lock access to early retirement and normal retirement withdrawal functions when a member is under 60 years old. Under Hong Kong MPF regulations, early retirement is available only from age 60 onwards, provided the member has permanently ceased all employment and self-employment and makes a statutory declaration of no intent to work again [1][2]. Normal retirement withdrawal is generally available at age 65 [3][4]. When a platform locks these options for someone under 60, it is typically an automated eligibility check preventing ineligible applications based on the member's recorded birth date [2][5].

If you are under 60, other withdrawal grounds may still be accessible, such as permanent departure from Hong Kong, total incapacity, terminal illness, or a small balance claim after 12 months with no contributions [6][7]. If you believe the platform's restriction is in error, contact your scheme provider or the eMPF customer service hotline at 1832 2622 to verify your records [5].