Both members agree that if your withdrawal functions were previously accessible but are now locked, the most likely explanation is the recent migration to the centralized eMPF Platform [1]. During this transition, the system applies stricter statutory compliance checks based on your recorded birth date [2][3]. If you are under 60, the lock is expected and correct under Hong Kong MPF regulations, which restrict early retirement to age 60 and above (after permanent cessation of all employment and a statutory declaration) [2][3]. Another possibility is that your personal data or employment status was updated during the account transfer, triggering validation that may not have been enforced as strictly on the older system. To resolve this, verify your date of birth in your eMPF profile or contact the eMPF hotline at 1832 2622 [4]. If you are 60 or above and believe you meet early-retirement conditions, contact your trustee to confirm your records are correct.