Manuel Pellegrini's side, likely to be dethroned as champions by Chelsea on Sunday, were handed a large fine last year, with Uefa capping their spend and reducing their squad size.
Mourinho, though, does not believe that the sanctions go far enough and says that FFP favours the biggest, more established sides over the Blues, who have been forced to offload numerous big-name players to balance the books.
"Clubs should be punished with loss of points. Our owner Roman Abramovich wants to fulfil FFP. He doesn't want to enter these dynamics of paying the fine," Mourinho explained to the official magazine of the Portuguese FA.
"FFP benefits clubs like Real Madrid, Barcelona and Bayern Munich, who have a big fan base and get huge revenues on sponsorship and merchandising. At Chelsea, for instance, we refuse to pay any fine. We live with what we produce.
"I feel really well about that. It forces us to be better, to manage our resources better, to live with what we create. It forces us to think more. We have to sell in order to buy, to be aware of what you sell and what you buy."
Mourinho also spoke of his love for the Premier League, ranking it as the best division in the world, but, despite enjoying the famously gruelling Christmas fixture list, feels that a winter break is needed.
"England will always have the most spectacular league. There's no Real Madrid, Barcelona or Bayern, it’s true, but as a league it's the most spectacular," the Portuguese continued. "The product they sell is appealing. Many millions watch Sunderland against Newcastle, for example.
"In Europe, there are several factors that can explain it. The first is Christmas. I love to play during that period, no matter how hard it is for my family.
"It's a bit like the actor who has a theatre play on Christmas Day — people want to go to the theatre on that day. But I can't agree that there's no break after that superhuman period. Get to February and English teams are struggling."
Mourinho also touched upon his relationship with former Manchester United boss Sir Alex Ferguson and revealed that the pair regularly meet up now that they are no longer in opposing dugouts.
Asked if he missed his rival, he replied: "Not the man, we talk more often now, on the telephone and even personally. We met in London and Paris. But I miss a bit my opponent Alex Ferguson. I always asked him a lot of questions.
"I remember a chat we had when he was still coaching, before Manchester United-Real Madrid in March 2013. We both had butterflies in our stomachs and I asked him: 'Does this ever change?' He told me: 'No! It will be like this until the end!' I told him that was my plan. Now I ask him if he's fine, if he's happy and if he regrets. And he's happy."
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