MP2 Dividend History: How Rates Have Moved Over Time
The full record
| Year | MP2 Rate | Regular Savings Rate |
|---|---|---|
| 2017 | 8.11% | 7.09% |
| 2018 | 7.41% | 6.19% |
| 2019 | 7.23% | 6.12% |
| 2020 | 6.12% | 5.53% |
| 2021 | 6% | 5.16% |
| 2022 | 7.03% | 6% |
| 2023 | 7.05% | 6.02% |
| 2024 | 7.1% | 6.6% |
| 2025 | 7.12% | 6.62% |
9-year MP2 average: 7.02%. Regular Savings average over the same period: 6.15%. The most recent declared rate — 2025 — was 7.12% for MP2 and 6.62% for Regular Savings.
What the pattern actually shows
Three things worth taking from this table, beyond just the raw numbers:
- MP2 has led Regular Savings every single year in this record — the gap has narrowed and widened, but the ordering has never flipped. This is the core reason most members treat MP2 as the “upgrade” savings vehicle once Regular Savings’ capped contribution stops feeling like enough — see MP2 vs. Regular Savings for that trade-off in full.
- Neither rate is flat, and both can decline. The dip visible around 2020-2021 shows both programs are tied to real fund performance, not a fixed guaranteed return — MP2’s low point in this record was 6%, its high 8.11%.
- Rates have generally trended back upward since that dip, though — again — a recovering trend is not a promise of continued recovery.
Using this for planning, without over-relying on it
The honest tension in any planning tool: the most recent rate feels most relevant, but a single year can be unusually good or unusually bad. A reasonable approach many members use is running their numbers at a few different assumptions — the most recent rate, the multi-year average, and something more conservative — rather than anchoring to one number. The MP2 Savings Planner makes this easy to test directly against your own contribution amount and timeline.
Where this data comes from
This table is pulled from the same dataset that powers this site’s homepage dividend history chart — updated whenever Pag-IBIG declares a new rate, not hand-retyped per page. If you’re comparing this against another source and see a discrepancy for a specific year, it’s worth checking that source’s publish date against Pag-IBIG’s own declared history directly. For the mechanics of how a declared rate turns into your actual credited amount, see How Pag-IBIG Dividends Are Computed and Credited, and if you’re weighing a longer track record against alternatives outside Pag-IBIG entirely, MP2 vs. Time Deposit uses this same data for a direct comparison.
This guide is educational and independent — not official Pag-IBIG Fund guidance. Historical rates shown reflect Pag-IBIG’s own declared dividend history; future rates are never guaranteed by past performance.
Frequently asked questions
Has MP2 always paid more than Regular Savings?
Yes — in every single year of this dataset, MP2's declared rate has been higher than Regular Savings'. The gap has varied year to year, but the ordering hasn't flipped.
What caused the dip around 2020-2021?
Both rates declined noticeably during that period, consistent with the broader economic disruption of that era affecting fund performance across many institutions, not unique to Pag-IBIG.
Is a past rate a guarantee of a future one?
No. Both rates are declared annually by Pag-IBIG's board based on the Fund's actual financial performance that year — historical patterns are informative, not a promise.
Should I use the historical average or the most recent rate for planning?
There's a real case for either — the most recent rate reflects current conditions most closely, while a multi-year average smooths out any one unusual year. The MP2 Savings Planner defaults to a moderate assumption and lets you test both against your own numbers.
Where can I see the current declared rate?
The most recent rate is shown throughout this site — on the homepage dividend chart, in the MP2 Savings Planner, and referenced inline in guides via the site's facts registry, which updates from a single source whenever Pag-IBIG declares a new rate.
Sources
Next steps
- Test a few different rate assumptions in the MP2 Savings Planner rather than relying on a single year's number.
- Read how dividends are actually computed and credited to understand why your own numbers won't exactly match a simple rate calculation.
Related guides
How Pag-IBIG Dividends Are Computed and Credited
Why your actual dividend rarely matches 'rate × total contributed' — the average daily balance method explained, with a worked example.
MP2 Savings: The Complete Guide
What Modified Pag-IBIG 2 actually is, who can open one, how dividends work, and everything else you need before you put money into it.
MP2 vs. Regular Savings: Which One Should Get Your Extra ₱1,000?
Both are Pag-IBIG programs with government-backed principal — here's how the lock-in period and dividend history actually compare.
This guide is educational and does not constitute financial, tax, or legal advice. Figures are illustrative unless directly sourced and cited above. Confirm current rates and requirements with Pag-IBIG Fund before acting on anything here.