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保泰人壽保險有限公司 · F00031-02-000 · 11 个版本 · 灵活计划 · 年均加幅 +2.64%
港元 (HKD)
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| 年龄 | 2019-07-08 | 2020-04-01 | 2021-04-01 | 2022-04-30 | 2023-04-30 | 2023-12-07 | 2024-08-30 | 2024-12-19 | 2025-04-11 | 2025-12-29 | 最新版本 2026-03-23 | 年均加幅 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0岁 | HK$7,032 | HK$6,960 (-1.0%) | HK$6,960 | HK$6,960 | HK$6,960 | HK$7,596 (+9.1%) | HK$7,596 | HK$8,208 (+8.1%) | HK$8,208 | HK$8,868 (+8.0%) | HK$8,868 | +3.28% |
| 5岁 | HK$5,244 | HK$5,196 (-0.9%) | HK$5,196 | HK$5,196 | HK$5,196 | HK$5,664 (+9.0%) | HK$5,664 | HK$6,120 (+8.1%) | HK$6,120 | HK$6,576 (+7.5%) | HK$6,576 | +3.20% |
| 10岁 | HK$3,348 | HK$3,312 (-1.1%) | HK$3,312 | HK$3,312 | HK$3,312 | HK$3,612 (+9.1%) | HK$3,612 | HK$3,912 (+8.3%) | HK$3,912 | HK$4,200 (+7.4%) | HK$4,200 | +3.20% |
| 15岁 | HK$2,964 | HK$2,940 (-0.8%) | HK$2,940 | HK$2,940 | HK$2,940 | HK$3,216 (+9.4%) | HK$3,216 | HK$3,480 (+8.2%) | HK$3,480 | HK$3,744 (+7.6%) | HK$3,744 | +3.30% |
| 20岁 | HK$3,264 | HK$3,228 (-1.1%) | HK$3,228 | HK$3,228 | HK$3,228 | HK$3,528 (+9.3%) | HK$3,528 | HK$3,816 (+8.2%) | HK$3,816 | HK$4,104 (+7.5%) | HK$4,104 | +3.24% |
| 25岁 | HK$3,912 | HK$3,876 (-0.9%) | HK$3,876 | HK$3,876 | HK$3,876 | HK$4,236 (+9.3%) | HK$4,236 | HK$4,584 (+8.2%) | HK$4,584 | HK$4,932 (+7.6%) | HK$4,932 | +3.28% |
| 30岁 | HK$4,320 | HK$4,272 (-1.1%) | HK$4,272 | HK$4,272 | HK$4,272 | HK$4,668 (+9.3%) | HK$4,668 | HK$5,052 (+8.2%) | HK$5,052 | HK$5,436 (+7.6%) | HK$5,436 | +3.25% |
| 35岁 | HK$5,100 | HK$5,052 (-0.9%) | HK$5,052 | HK$5,052 | HK$5,052 | HK$5,508 (+9.0%) | HK$5,508 | HK$5,952 (+8.1%) | HK$5,952 | HK$6,396 (+7.5%) | HK$6,396 | +3.20% |
| 40岁 | HK$6,192 | HK$6,132 (-1.0%) | HK$6,132 | HK$6,132 | HK$6,132 | HK$6,684 (+9.0%) | HK$6,684 | HK$7,224 (+8.1%) | HK$7,224 | HK$7,764 (+7.5%) | HK$7,764 | +3.20% |
| 45岁 | HK$7,596 | HK$7,524 (-0.9%) | HK$7,524 | HK$7,524 | HK$7,524 | HK$8,208 (+9.1%) | HK$8,208 | HK$8,868 (+8.0%) | HK$8,868 | HK$9,528 (+7.4%) | HK$9,528 | +3.20% |
| 50岁 | HK$9,864 | HK$9,768 (-1.0%) | HK$9,768 | HK$9,768 | HK$9,768 | HK$10,608 (+8.6%) | HK$10,608 | HK$11,460 (+8.0%) | HK$11,460 | HK$12,324 (+7.5%) | HK$12,324 | +3.15% |
| 55岁 | HK$12,960 | HK$12,828 (-1.0%) | HK$12,828 | HK$12,828 | HK$12,828 | HK$13,608 (+6.1%) | HK$13,608 | HK$14,364 (+5.6%) | HK$14,364 | HK$15,084 (+5.0%) | HK$15,084 | +2.13% |
| 60岁 | HK$17,688 | HK$17,508 (-1.0%) | HK$17,508 | HK$17,508 | HK$17,508 | HK$18,564 (+6.0%) | HK$18,564 | HK$19,596 (+5.6%) | HK$19,596 | HK$20,580 (+5.0%) | HK$20,580 | +2.13% |
| 65岁 | HK$23,028 | HK$22,800 (-1.0%) | HK$22,800 | HK$22,800 | HK$22,800 | HK$24,168 (+6.0%) | HK$24,168 | HK$25,500 (+5.5%) | HK$25,500 | HK$26,772 (+5.0%) | HK$26,772 | +2.12% |
| 70岁 | HK$28,152 | HK$27,876 (-1.0%) | HK$27,876 | HK$27,876 | HK$27,876 | HK$29,556 (+6.0%) | HK$29,556 | HK$31,188 (+5.5%) | HK$31,188 | HK$32,748 (+5.0%) | HK$32,748 | +2.13% |
| 75岁 | HK$34,356 | HK$34,008 (-1.0%) | HK$34,008 | HK$34,008 | HK$34,008 | HK$36,060 (+6.0%) | HK$36,060 | HK$38,052 (+5.5%) | HK$38,052 | HK$39,960 (+5.0%) | HK$39,960 | +2.12% |
| 80岁 | HK$40,500 | HK$40,092 (-1.0%) | HK$40,092 | HK$40,092 | HK$40,092 | HK$42,504 (+6.0%) | HK$42,504 | HK$44,844 (+5.5%) | HK$44,844 | HK$47,088 (+5.0%) | HK$47,088 | +2.12% |
| 85岁 | HK$46,848 | HK$50,328 (+7.4%) | HK$50,328 | HK$50,328 | HK$50,328 | HK$53,352 (+6.0%) | HK$53,352 | HK$56,292 (+5.5%) | HK$56,292 | HK$59,112 (+5.0%) | HK$59,112 | +3.29% |
| 90岁 | HK$51,576 | HK$50,328 (-2.4%) | HK$50,328 | HK$50,328 | HK$50,328 | HK$53,352 (+6.0%) | HK$53,352 | HK$56,292 (+5.5%) | HK$56,292 | HK$59,112 (+5.0%) | HK$59,112 | +1.92% |
| 95岁 | HK$54,504 | HK$50,328 (-7.7%) | HK$50,328 | HK$50,328 | HK$50,328 | HK$53,352 (+6.0%) | HK$53,352 | HK$56,292 (+5.5%) | HK$56,292 | HK$59,112 (+5.0%) | HK$59,112 | +1.14% |
| 99岁 | HK$57,072 | HK$50,328 (-11.8%) | HK$50,328 | HK$50,328 | HK$50,328 | HK$53,352 (+6.0%) | HK$53,352 | HK$56,292 (+5.5%) | HK$56,292 | HK$59,112 (+5.0%) | HK$59,112 | +0.49% |
| 所有年龄平均 | — | -1.5% | 0.0% | 0.0% | 0.0% | +7.6% | 0.0% | +6.9% | 0.0% | +6.3% | 0.0% | — |
0岁HK$7,032
5岁HK$5,244
10岁HK$3,348
15岁HK$2,964
20岁HK$3,264
25岁HK$3,912
30岁HK$4,320
35岁HK$5,100
40岁HK$6,192
45岁HK$7,596
50岁HK$9,864
55岁HK$12,960
60岁HK$17,688
65岁HK$23,028
70岁HK$28,152
75岁HK$34,356
80岁HK$40,500
85岁HK$46,848
90岁HK$51,576
95岁HK$54,504
99岁HK$57,072
0岁HK$6,960 (-1.0%)
5岁HK$5,196 (-0.9%)
10岁HK$3,312 (-1.1%)
15岁HK$2,940 (-0.8%)
20岁HK$3,228 (-1.1%)
25岁HK$3,876 (-0.9%)
30岁HK$4,272 (-1.1%)
35岁HK$5,052 (-0.9%)
40岁HK$6,132 (-1.0%)
45岁HK$7,524 (-0.9%)
50岁HK$9,768 (-1.0%)
55岁HK$12,828 (-1.0%)
60岁HK$17,508 (-1.0%)
65岁HK$22,800 (-1.0%)
70岁HK$27,876 (-1.0%)
75岁HK$34,008 (-1.0%)
80岁HK$40,092 (-1.0%)
85岁HK$50,328 (+7.4%)
90岁HK$50,328 (-2.4%)
95岁HK$50,328 (-7.7%)
99岁HK$50,328 (-11.8%)
0岁HK$6,960
5岁HK$5,196
10岁HK$3,312
15岁HK$2,940
20岁HK$3,228
25岁HK$3,876
30岁HK$4,272
35岁HK$5,052
40岁HK$6,132
45岁HK$7,524
50岁HK$9,768
55岁HK$12,828
60岁HK$17,508
65岁HK$22,800
70岁HK$27,876
75岁HK$34,008
80岁HK$40,092
85岁HK$50,328
90岁HK$50,328
95岁HK$50,328
99岁HK$50,328
0岁HK$6,960
5岁HK$5,196
10岁HK$3,312
15岁HK$2,940
20岁HK$3,228
25岁HK$3,876
30岁HK$4,272
35岁HK$5,052
40岁HK$6,132
45岁HK$7,524
50岁HK$9,768
55岁HK$12,828
60岁HK$17,508
65岁HK$22,800
70岁HK$27,876
75岁HK$34,008
80岁HK$40,092
85岁HK$50,328
90岁HK$50,328
95岁HK$50,328
99岁HK$50,328
0岁HK$6,960
5岁HK$5,196
10岁HK$3,312
15岁HK$2,940
20岁HK$3,228
25岁HK$3,876
30岁HK$4,272
35岁HK$5,052
40岁HK$6,132
45岁HK$7,524
50岁HK$9,768
55岁HK$12,828
60岁HK$17,508
65岁HK$22,800
70岁HK$27,876
75岁HK$34,008
80岁HK$40,092
85岁HK$50,328
90岁HK$50,328
95岁HK$50,328
99岁HK$50,328
0岁HK$7,596 (+9.1%)
5岁HK$5,664 (+9.0%)
10岁HK$3,612 (+9.1%)
15岁HK$3,216 (+9.4%)
20岁HK$3,528 (+9.3%)
25岁HK$4,236 (+9.3%)
30岁HK$4,668 (+9.3%)
35岁HK$5,508 (+9.0%)
40岁HK$6,684 (+9.0%)
45岁HK$8,208 (+9.1%)
50岁HK$10,608 (+8.6%)
55岁HK$13,608 (+6.1%)
60岁HK$18,564 (+6.0%)
65岁HK$24,168 (+6.0%)
70岁HK$29,556 (+6.0%)
75岁HK$36,060 (+6.0%)
80岁HK$42,504 (+6.0%)
85岁HK$53,352 (+6.0%)
90岁HK$53,352 (+6.0%)
95岁HK$53,352 (+6.0%)
99岁HK$53,352 (+6.0%)
0岁HK$7,596
5岁HK$5,664
10岁HK$3,612
15岁HK$3,216
20岁HK$3,528
25岁HK$4,236
30岁HK$4,668
35岁HK$5,508
40岁HK$6,684
45岁HK$8,208
50岁HK$10,608
55岁HK$13,608
60岁HK$18,564
65岁HK$24,168
70岁HK$29,556
75岁HK$36,060
80岁HK$42,504
85岁HK$53,352
90岁HK$53,352
95岁HK$53,352
99岁HK$53,352
0岁HK$8,208 (+8.1%)
5岁HK$6,120 (+8.1%)
10岁HK$3,912 (+8.3%)
15岁HK$3,480 (+8.2%)
20岁HK$3,816 (+8.2%)
25岁HK$4,584 (+8.2%)
30岁HK$5,052 (+8.2%)
35岁HK$5,952 (+8.1%)
40岁HK$7,224 (+8.1%)
45岁HK$8,868 (+8.0%)
50岁HK$11,460 (+8.0%)
55岁HK$14,364 (+5.6%)
60岁HK$19,596 (+5.6%)
65岁HK$25,500 (+5.5%)
70岁HK$31,188 (+5.5%)
75岁HK$38,052 (+5.5%)
80岁HK$44,844 (+5.5%)
85岁HK$56,292 (+5.5%)
90岁HK$56,292 (+5.5%)
95岁HK$56,292 (+5.5%)
99岁HK$56,292 (+5.5%)
0岁HK$8,208
5岁HK$6,120
10岁HK$3,912
15岁HK$3,480
20岁HK$3,816
25岁HK$4,584
30岁HK$5,052
35岁HK$5,952
40岁HK$7,224
45岁HK$8,868
50岁HK$11,460
55岁HK$14,364
60岁HK$19,596
65岁HK$25,500
70岁HK$31,188
75岁HK$38,052
80岁HK$44,844
85岁HK$56,292
90岁HK$56,292
95岁HK$56,292
99岁HK$56,292
0岁HK$8,868 (+8.0%)
5岁HK$6,576 (+7.5%)
10岁HK$4,200 (+7.4%)
15岁HK$3,744 (+7.6%)
20岁HK$4,104 (+7.5%)
25岁HK$4,932 (+7.6%)
30岁HK$5,436 (+7.6%)
35岁HK$6,396 (+7.5%)
40岁HK$7,764 (+7.5%)
45岁HK$9,528 (+7.4%)
50岁HK$12,324 (+7.5%)
55岁HK$15,084 (+5.0%)
60岁HK$20,580 (+5.0%)
65岁HK$26,772 (+5.0%)
70岁HK$32,748 (+5.0%)
75岁HK$39,960 (+5.0%)
80岁HK$47,088 (+5.0%)
85岁HK$59,112 (+5.0%)
90岁HK$59,112 (+5.0%)
95岁HK$59,112 (+5.0%)
99岁HK$59,112 (+5.0%)
0岁HK$8,868
5岁HK$6,576
10岁HK$4,200
15岁HK$3,744
20岁HK$4,104
25岁HK$4,932
30岁HK$5,436
35岁HK$6,396
40岁HK$7,764
45岁HK$9,528
50岁HK$12,324
55岁HK$15,084
60岁HK$20,580
65岁HK$26,772
70岁HK$32,748
75岁HK$39,960
80岁HK$47,088
85岁HK$59,112
90岁HK$59,112
95岁HK$59,112
99岁HK$59,112
年均加幅（复息，年期＝今日−最早版本日期）· 计算至 2026-09-15
0岁+3.28%
5岁+3.20%
10岁+3.20%
15岁+3.30%
20岁+3.24%
25岁+3.28%
30岁+3.25%
35岁+3.20%
40岁+3.20%
45岁+3.20%
50岁+3.15%
55岁+2.13%
60岁+2.13%
65岁+2.12%
70岁+2.13%
75岁+2.12%
80岁+2.12%
85岁+3.29%
90岁+1.92%
95岁+1.14%
99岁+0.49%
注・资料来源
格子显示保费金额，括号内为相对上一个版本的百分比变化。首个版本只显示基准保费。年均加幅使用复息公式（最新/最早 ^ (1/years) − 1），年期＝今日减最早版本日期。男性／女性矩阵的年均加幅按该性别自身的保费轨迹计算；计划总览显示的年均加幅则为男女两者的平均值。· 计算至 2026-09-15
默认显示 21 个锚点年龄（每 5 岁一格，加上 0 与 99 两端），方便快速浏览整条走势曲线。 右侧「年均加幅」列无论切换与否，均基于全部 100 个年龄计算 — 不会因显示密度而改变。