Pag-IBIG Contribution Table 2026 — Updated HDMF Rates
2026 Pag-IBIG contribution table
Pag-IBIG contributions are a percentage of your Monthly Fund Salary (MFS), which is capped at ₱10,000. For nearly all formal-sector workers, that means 2% (employee) + 2% (employer). Only those earning ₱1,500 or below pay the lower 1% employee rate.
| Monthly Fund Salary | Employee rate | Employer rate | Employee amount | Total |
|---|---|---|---|---|
| ₱1,500 and below | 1% | 2% | up to ₱15 | up to ₱45 |
| ₱1,500.01 – ₱5,000 | 2% | 2% | up to ₱100 | up to ₱200 |
| ₱5,000 | 2% | 2% | ₱100 | ₱200 |
| ₱10,000 and above | 2% | 2% | ₱200 (capped) | ₱400 |
The Monthly Fund Salary is capped at ₱10,000 (raised from ₱5,000 in February 2024), so the maximum mandatory contribution is ₱200 each from employee and employer. Members may contribute more voluntarily, and can grow savings further via the MP2 program.
What the ₱10,000 cap changed
Until early 2024, the Monthly Fund Salary was capped at ₱5,000, so the maximum contribution was ₱100 each. Pag-IBIG doubled the cap to ₱10,000, which doubled the maximum mandatory contribution to ₱200 each. Higher contributions mean a larger share of your savings earns Pag-IBIG's annual dividend and a bigger loan entitlement.
Voluntary savings — MP2
Beyond the mandatory contribution, members can open a Pag-IBIG MP2 (Modified Pag-IBIG 2) savings account. MP2 is a voluntary 5-year savings program that typically pays a higher annual dividend than the regular fund and is tax-free — a popular way for members to save on top of the ₱200 mandatory contribution.
Sources & Official References
Frequently Asked Questions
How much is the Pag-IBIG contribution in 2026?
In 2026 the Pag-IBIG contribution is 2% of your Monthly Fund Salary, which is capped at ₱10,000. So the maximum employee deduction is ₱200 a month, matched by ₱200 from the employer.
What is the maximum Pag-IBIG contribution?
The maximum mandatory contribution is ₱200 from the employee and ₱200 from the employer — a total of ₱400 a month — because the Monthly Fund Salary is capped at ₱10,000.
Can I contribute more than ₱200 to Pag-IBIG?
Yes. You can contribute above the mandatory ₱200 voluntarily, and you can open an MP2 savings account for a higher, tax-free annual dividend on top of your regular contribution.
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