I left early 2020 and still keep my MPF account for two main reasons. 1) Im a lazy fucker, 2) I can load up my Octopus card with $10k-$20k in consumption vouchers per year from the government. Once I withdraw MPF, the government seems to use this as an indicator to stop giving out freebies.
I've been tracking my MPF value over the last 3 years (without employment in HK so I havent added a single cent into it during this time). Now I can say the value is higher than it was pre-COVID, but not as high as it reached in 2021. Basically 2021 was an awesome year for MPF, and 2022 was a shit year:
My thinking now is basically once the freebie vouchers dry up then thats probably a good time to withdraw. Hopefully it also coincides with a recovery in the price. Jan 2023 looks good so far!