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中國人壽保險（海外）股份有限公司 · F00030-02-001 · 3 個版本 · 靈活計劃 · 年均加幅 +2.25%
數據注意事項 (1)
性別軸轉家族 · 保費結構改變
此系列的保費結構由不分性別改為男女分開（涉及 100 個年齡層）。 加幅數字反映結構改變的平均影響，個別性別的實際影響可能大幅偏離均數 — 需參考原 PDF 確認。
男性 Male
| 年齡 | F00030-02-001-01 2019-06-03 | F00030-02-001-02 2021-04-01 | F00030-02-001-03 2026-06-01 | 年均加幅 |
|---|---|---|---|---|
| 0 | HK$12,200 | HK$12,200 | HK$13,908 (+14.0%) | +1.86% |
| 5 | HK$12,200 | HK$12,200 | HK$13,908 (+14.0%) | +1.86% |
| 10 | HK$4,600 | HK$4,600 | HK$5,244 (+14.0%) | +1.86% |
| 15 | HK$4,600 | HK$4,600 | HK$5,244 (+14.0%) | +1.86% |
| 20 | HK$4,340 | HK$4,340 | HK$4,948 (+14.0%) | +1.86% |
| 25 | HK$5,702 | HK$5,702 | HK$6,500 (+14.0%) | +1.86% |
| 30 | HK$6,717 | HK$6,717 | HK$7,657 (+14.0%) | +1.86% |
| 35 | HK$7,616 | HK$7,616 | HK$8,682 (+14.0%) | +1.86% |
| 40 | HK$8,496 | HK$8,496 | HK$9,685 (+14.0%) | +1.86% |
| 45 | HK$10,129 | HK$10,129 | HK$11,547 (+14.0%) | +1.86% |
| 50 | HK$12,674 | HK$12,674 | HK$14,448 (+14.0%) | +1.86% |
| 55 | HK$17,609 | HK$17,609 | HK$20,074 (+14.0%) | +1.86% |
| 60 | HK$23,359 | HK$23,359 | HK$26,629 (+14.0%) | +1.86% |
| 65 | HK$30,940 | HK$30,940 | HK$35,272 (+14.0%) | +1.86% |
| 70 | HK$39,211 | HK$39,211 | HK$44,701 (+14.0%) | +1.86% |
| 75 | HK$44,244 | HK$44,244 | HK$50,438 (+14.0%) | +1.86% |
| 80 | HK$55,873 | HK$55,873 | HK$63,695 (+14.0%) | +1.86% |
| 85 | HK$63,023 | HK$63,023 | HK$71,846 (+14.0%) | +1.86% |
| 90 | HK$67,997 | HK$67,997 | HK$77,517 (+14.0%) | +1.86% |
| 95 | HK$70,532 | HK$70,532 | HK$80,406 (+14.0%) | +1.86% |
| 99 | HK$72,142 | HK$72,142 | HK$82,242 (+14.0%) | +1.86% |
| 所有年齡平均 | — | 0.0% | +14.0% | — |
0歲HK$12,200
5歲HK$12,200
10歲HK$4,600
15歲HK$4,600
20歲HK$4,340
25歲HK$5,702
30歲HK$6,717
35歲HK$7,616
40歲HK$8,496
45歲HK$10,129
50歲HK$12,674
55歲HK$17,609
60歲HK$23,359
65歲HK$30,940
70歲HK$39,211
75歲HK$44,244
80歲HK$55,873
85歲HK$63,023
90歲HK$67,997
95歲HK$70,532
99歲HK$72,142
0歲HK$12,200
5歲HK$12,200
10歲HK$4,600
15歲HK$4,600
20歲HK$4,340
25歲HK$5,702
30歲HK$6,717
35歲HK$7,616
40歲HK$8,496
45歲HK$10,129
50歲HK$12,674
55歲HK$17,609
60歲HK$23,359
65歲HK$30,940
70歲HK$39,211
75歲HK$44,244
80歲HK$55,873
85歲HK$63,023
90歲HK$67,997
95歲HK$70,532
99歲HK$72,142
0歲HK$13,908 (+14.0%)
5歲HK$13,908 (+14.0%)
10歲HK$5,244 (+14.0%)
15歲HK$5,244 (+14.0%)
20歲HK$4,948 (+14.0%)
25歲HK$6,500 (+14.0%)
30歲HK$7,657 (+14.0%)
35歲HK$8,682 (+14.0%)
40歲HK$9,685 (+14.0%)
45歲HK$11,547 (+14.0%)
50歲HK$14,448 (+14.0%)
55歲HK$20,074 (+14.0%)
60歲HK$26,629 (+14.0%)
65歲HK$35,272 (+14.0%)
70歲HK$44,701 (+14.0%)
75歲HK$50,438 (+14.0%)
80歲HK$63,695 (+14.0%)
85歲HK$71,846 (+14.0%)
90歲HK$77,517 (+14.0%)
95歲HK$80,406 (+14.0%)
99歲HK$82,242 (+14.0%)
年均加幅（複息，年期＝今日−最早版本日期）· 計算至 2026-07-18
0歲+1.86%
5歲+1.86%
10歲+1.86%
15歲+1.86%
20歲+1.86%
25歲+1.86%
30歲+1.86%
35歲+1.86%
40歲+1.86%
45歲+1.86%
50歲+1.86%
55歲+1.86%
60歲+1.86%
65歲+1.86%
70歲+1.86%
75歲+1.86%
80歲+1.86%
85歲+1.86%
90歲+1.86%
95歲+1.86%
99歲+1.86%
註・資料來源
格仔顯示保費金額，括號內為相對上一個版本的百分比變化。首個版本只顯示基準保費。年均加幅使用複息公式（最新/最早 ^ (1/years) − 1），年期＝今日減最早版本日期。男性／女性矩陣的年均加幅按該性別自身的保費軌跡計算；計劃總覽顯示的年均加幅則為男女兩者的平均值。· 計算至 2026-07-18
預設顯示 21 個錨點年齡（每 5 歲一個，加上 0 與 99 兩端），方便快速掃讀整條走勢曲線。 右側「年均加幅」欄無論切換與否，皆基於全部 100 個年齡計算 — 不會因為顯示密度而改變。
女性 Female
| 年齡 | F00030-02-001-01 2019-06-03 | F00030-02-001-02 2021-04-01 | F00030-02-001-03 2026-06-01 | 年均加幅 |
|---|---|---|---|---|
| 0 | HK$12,200 | HK$12,200 | HK$12,996 (+6.5%) | +0.89% |
| 5 | HK$12,200 | HK$12,200 | HK$12,996 (+6.5%) | +0.89% |
| 10 | HK$4,600 | HK$4,600 | HK$5,244 (+14.0%) | +1.86% |
| 15 | HK$4,600 | HK$4,600 | HK$5,244 (+14.0%) | +1.86% |
| 20 | HK$4,340 | HK$4,340 | HK$6,284 (+44.8%) | +5.33% |
| 25 | HK$5,702 | HK$5,702 | HK$8,372 (+46.8%) | +5.54% |
| 30 | HK$6,717 | HK$6,717 | HK$9,994 (+48.8%) | +5.74% |
| 35 | HK$7,616 | HK$7,616 | HK$11,633 (+52.7%) | +6.13% |
| 40 | HK$8,496 | HK$8,496 | HK$13,302 (+56.6%) | +6.50% |
| 45 | HK$10,129 | HK$10,129 | HK$15,816 (+56.1%) | +6.46% |
| 50 | HK$12,674 | HK$12,674 | HK$18,686 (+47.4%) | +5.60% |
| 55 | HK$17,609 | HK$17,609 | HK$20,922 (+18.8%) | +2.45% |
| 60 | HK$23,359 | HK$23,359 | HK$24,676 (+5.6%) | +0.77% |
| 65 | HK$30,940 | HK$30,940 | HK$29,744 (-3.9%) | -0.55% |
| 70 | HK$39,211 | HK$39,211 | HK$36,897 (-5.9%) | -0.85% |
| 75 | HK$44,244 | HK$44,244 | HK$46,197 (+4.4%) | +0.61% |
| 80 | HK$55,873 | HK$55,873 | HK$58,213 (+4.2%) | +0.58% |
| 85 | HK$63,023 | HK$63,023 | HK$66,888 (+6.1%) | +0.84% |
| 90 | HK$67,997 | HK$67,997 | HK$73,446 (+8.0%) | +1.09% |
| 95 | HK$70,532 | HK$70,532 | HK$77,517 (+9.9%) | +1.33% |
| 99 | HK$72,142 | HK$72,142 | HK$80,525 (+11.6%) | +1.56% |
| 所有年齡平均 | — | 0.0% | +21.6% | — |
0歲HK$12,200
5歲HK$12,200
10歲HK$4,600
15歲HK$4,600
20歲HK$4,340
25歲HK$5,702
30歲HK$6,717
35歲HK$7,616
40歲HK$8,496
45歲HK$10,129
50歲HK$12,674
55歲HK$17,609
60歲HK$23,359
65歲HK$30,940
70歲HK$39,211
75歲HK$44,244
80歲HK$55,873
85歲HK$63,023
90歲HK$67,997
95歲HK$70,532
99歲HK$72,142
0歲HK$12,200
5歲HK$12,200
10歲HK$4,600
15歲HK$4,600
20歲HK$4,340
25歲HK$5,702
30歲HK$6,717
35歲HK$7,616
40歲HK$8,496
45歲HK$10,129
50歲HK$12,674
55歲HK$17,609
60歲HK$23,359
65歲HK$30,940
70歲HK$39,211
75歲HK$44,244
80歲HK$55,873
85歲HK$63,023
90歲HK$67,997
95歲HK$70,532
99歲HK$72,142
0歲HK$12,996 (+6.5%)
5歲HK$12,996 (+6.5%)
10歲HK$5,244 (+14.0%)
15歲HK$5,244 (+14.0%)
20歲HK$6,284 (+44.8%)
25歲HK$8,372 (+46.8%)
30歲HK$9,994 (+48.8%)
35歲HK$11,633 (+52.7%)
40歲HK$13,302 (+56.6%)
45歲HK$15,816 (+56.1%)
50歲HK$18,686 (+47.4%)
55歲HK$20,922 (+18.8%)
60歲HK$24,676 (+5.6%)
65歲HK$29,744 (-3.9%)
70歲HK$36,897 (-5.9%)
75歲HK$46,197 (+4.4%)
80歲HK$58,213 (+4.2%)
85歲HK$66,888 (+6.1%)
90歲HK$73,446 (+8.0%)
95歲HK$77,517 (+9.9%)
99歲HK$80,525 (+11.6%)
年均加幅（複息，年期＝今日−最早版本日期）· 計算至 2026-07-18
0歲+0.89%
5歲+0.89%
10歲+1.86%
15歲+1.86%
20歲+5.33%
25歲+5.54%
30歲+5.74%
35歲+6.13%
40歲+6.50%
45歲+6.46%
50歲+5.60%
55歲+2.45%
60歲+0.77%
65歲-0.55%
70歲-0.85%
75歲+0.61%
80歲+0.58%
85歲+0.84%
90歲+1.09%
95歲+1.33%
99歲+1.56%
註・資料來源
格仔顯示保費金額，括號內為相對上一個版本的百分比變化。首個版本只顯示基準保費。年均加幅使用複息公式（最新/最早 ^ (1/years) − 1），年期＝今日減最早版本日期。男性／女性矩陣的年均加幅按該性別自身的保費軌跡計算；計劃總覽顯示的年均加幅則為男女兩者的平均值。· 計算至 2026-07-18
預設顯示 21 個錨點年齡（每 5 歲一個，加上 0 與 99 兩端），方便快速掃讀整條走勢曲線。 右側「年均加幅」欄無論切換與否，皆基於全部 100 個年齡計算 — 不會因為顯示密度而改變。