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中國人壽保險（海外）股份有限公司 · F00024-01-000 · 3 个版本 · 灵活计划 · 年均加幅 +2.14%
数据注意事项 (1)
性别轴转家族 · 保费结构改变
此系列的保费结构由不分性别改为男女分开（涉及 100 个年龄层）。加幅数字反映结构改变的平均影响，单一性别的实际影响可能大幅偏离均数 — 需参考原 PDF 确认。
男 Male
| 年龄 | F00024-01-000-01 2019-04-01 | F00024-01-000-02 2021-04-01 | F00024-01-000-03 2026-06-01 | 年均加幅 |
|---|---|---|---|---|
| 0 | HK$4,500 | HK$4,500 | HK$5,130 (+14.0%) | +1.81% |
| 5 | HK$4,500 | HK$4,500 | HK$5,130 (+14.0%) | +1.81% |
| 10 | HK$1,850 | HK$1,850 | HK$2,109 (+14.0%) | +1.81% |
| 15 | HK$1,850 | HK$1,850 | HK$2,109 (+14.0%) | +1.81% |
| 20 | HK$1,987 | HK$1,987 | HK$2,265 (+14.0%) | +1.81% |
| 25 | HK$2,497 | HK$2,497 | HK$2,847 (+14.0%) | +1.81% |
| 30 | HK$2,826 | HK$2,826 | HK$3,222 (+14.0%) | +1.81% |
| 35 | HK$3,234 | HK$3,234 | HK$3,687 (+14.0%) | +1.81% |
| 40 | HK$3,584 | HK$3,584 | HK$4,086 (+14.0%) | +1.81% |
| 45 | HK$4,268 | HK$4,268 | HK$4,866 (+14.0%) | +1.81% |
| 50 | HK$5,296 | HK$5,296 | HK$6,037 (+14.0%) | +1.81% |
| 55 | HK$7,274 | HK$7,274 | HK$8,292 (+14.0%) | +1.81% |
| 60 | HK$9,593 | HK$9,593 | HK$10,936 (+14.0%) | +1.81% |
| 65 | HK$12,800 | HK$12,800 | HK$14,592 (+14.0%) | +1.81% |
| 70 | HK$16,333 | HK$16,333 | HK$18,620 (+14.0%) | +1.81% |
| 75 | HK$18,260 | HK$18,260 | HK$20,816 (+14.0%) | +1.81% |
| 80 | HK$22,700 | HK$22,700 | HK$25,878 (+14.0%) | +1.81% |
| 85 | HK$25,548 | HK$25,548 | HK$29,125 (+14.0%) | +1.81% |
| 90 | HK$27,590 | HK$27,590 | HK$31,453 (+14.0%) | +1.81% |
| 95 | HK$29,336 | HK$29,336 | HK$33,443 (+14.0%) | +1.81% |
| 99 | HK$30,611 | HK$30,611 | HK$34,897 (+14.0%) | +1.81% |
| 所有年龄平均 | — | 0.0% | +14.0% | — |
0岁HK$4,500
5岁HK$4,500
10岁HK$1,850
15岁HK$1,850
20岁HK$1,987
25岁HK$2,497
30岁HK$2,826
35岁HK$3,234
40岁HK$3,584
45岁HK$4,268
50岁HK$5,296
55岁HK$7,274
60岁HK$9,593
65岁HK$12,800
70岁HK$16,333
75岁HK$18,260
80岁HK$22,700
85岁HK$25,548
90岁HK$27,590
95岁HK$29,336
99岁HK$30,611
0岁HK$4,500
5岁HK$4,500
10岁HK$1,850
15岁HK$1,850
20岁HK$1,987
25岁HK$2,497
30岁HK$2,826
35岁HK$3,234
40岁HK$3,584
45岁HK$4,268
50岁HK$5,296
55岁HK$7,274
60岁HK$9,593
65岁HK$12,800
70岁HK$16,333
75岁HK$18,260
80岁HK$22,700
85岁HK$25,548
90岁HK$27,590
95岁HK$29,336
99岁HK$30,611
0岁HK$5,130 (+14.0%)
5岁HK$5,130 (+14.0%)
10岁HK$2,109 (+14.0%)
15岁HK$2,109 (+14.0%)
20岁HK$2,265 (+14.0%)
25岁HK$2,847 (+14.0%)
30岁HK$3,222 (+14.0%)
35岁HK$3,687 (+14.0%)
40岁HK$4,086 (+14.0%)
45岁HK$4,866 (+14.0%)
50岁HK$6,037 (+14.0%)
55岁HK$8,292 (+14.0%)
60岁HK$10,936 (+14.0%)
65岁HK$14,592 (+14.0%)
70岁HK$18,620 (+14.0%)
75岁HK$20,816 (+14.0%)
80岁HK$25,878 (+14.0%)
85岁HK$29,125 (+14.0%)
90岁HK$31,453 (+14.0%)
95岁HK$33,443 (+14.0%)
99岁HK$34,897 (+14.0%)
年均加幅（复息，年期＝今日−最早版本日期）· 计算至 2026-07-02
0岁+1.81%
5岁+1.81%
10岁+1.81%
15岁+1.81%
20岁+1.81%
25岁+1.81%
30岁+1.81%
35岁+1.81%
40岁+1.81%
45岁+1.81%
50岁+1.81%
55岁+1.81%
60岁+1.81%
65岁+1.81%
70岁+1.81%
75岁+1.81%
80岁+1.81%
85岁+1.81%
90岁+1.81%
95岁+1.81%
99岁+1.81%
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 2026-07-02
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。
女 Female
| 年龄 | F00024-01-000-01 2019-04-01 | F00024-01-000-02 2021-04-01 | F00024-01-000-03 2026-06-01 | 年均加幅 |
|---|---|---|---|---|
| 0 | HK$4,500 | HK$4,500 | HK$4,788 (+6.4%) | +0.85% |
| 5 | HK$4,500 | HK$4,500 | HK$4,788 (+6.4%) | +0.85% |
| 10 | HK$1,850 | HK$1,850 | HK$2,109 (+14.0%) | +1.81% |
| 15 | HK$1,850 | HK$1,850 | HK$2,109 (+14.0%) | +1.81% |
| 20 | HK$1,987 | HK$1,987 | HK$2,850 (+43.4%) | +5.07% |
| 25 | HK$2,497 | HK$2,497 | HK$3,624 (+45.1%) | +5.24% |
| 30 | HK$2,826 | HK$2,826 | HK$4,188 (+48.2%) | +5.54% |
| 35 | HK$3,234 | HK$3,234 | HK$4,921 (+52.2%) | +5.92% |
| 40 | HK$3,584 | HK$3,584 | HK$5,540 (+54.6%) | +6.15% |
| 45 | HK$4,268 | HK$4,268 | HK$6,585 (+54.3%) | +6.12% |
| 50 | HK$5,296 | HK$5,296 | HK$7,730 (+46.0%) | +5.32% |
| 55 | HK$7,274 | HK$7,274 | HK$8,566 (+17.8%) | +2.27% |
| 60 | HK$9,593 | HK$9,593 | HK$10,049 (+4.8%) | +0.64% |
| 65 | HK$12,800 | HK$12,800 | HK$12,238 (-4.4%) | -0.61% |
| 70 | HK$16,333 | HK$16,333 | HK$15,282 (-6.4%) | -0.91% |
| 75 | HK$18,260 | HK$18,260 | HK$18,987 (+4.0%) | +0.54% |
| 80 | HK$22,700 | HK$22,700 | HK$23,570 (+3.8%) | +0.52% |
| 85 | HK$25,548 | HK$25,548 | HK$26,921 (+5.4%) | +0.72% |
| 90 | HK$27,590 | HK$27,590 | HK$29,656 (+7.5%) | +0.99% |
| 95 | HK$29,336 | HK$29,336 | HK$31,506 (+7.4%) | +0.98% |
| 99 | HK$30,611 | HK$30,611 | HK$33,310 (+8.8%) | +1.16% |
| 所有年龄平均 | — | 0.0% | +20.6% | — |
0岁HK$4,500
5岁HK$4,500
10岁HK$1,850
15岁HK$1,850
20岁HK$1,987
25岁HK$2,497
30岁HK$2,826
35岁HK$3,234
40岁HK$3,584
45岁HK$4,268
50岁HK$5,296
55岁HK$7,274
60岁HK$9,593
65岁HK$12,800
70岁HK$16,333
75岁HK$18,260
80岁HK$22,700
85岁HK$25,548
90岁HK$27,590
95岁HK$29,336
99岁HK$30,611
0岁HK$4,500
5岁HK$4,500
10岁HK$1,850
15岁HK$1,850
20岁HK$1,987
25岁HK$2,497
30岁HK$2,826
35岁HK$3,234
40岁HK$3,584
45岁HK$4,268
50岁HK$5,296
55岁HK$7,274
60岁HK$9,593
65岁HK$12,800
70岁HK$16,333
75岁HK$18,260
80岁HK$22,700
85岁HK$25,548
90岁HK$27,590
95岁HK$29,336
99岁HK$30,611
0岁HK$4,788 (+6.4%)
5岁HK$4,788 (+6.4%)
10岁HK$2,109 (+14.0%)
15岁HK$2,109 (+14.0%)
20岁HK$2,850 (+43.4%)
25岁HK$3,624 (+45.1%)
30岁HK$4,188 (+48.2%)
35岁HK$4,921 (+52.2%)
40岁HK$5,540 (+54.6%)
45岁HK$6,585 (+54.3%)
50岁HK$7,730 (+46.0%)
55岁HK$8,566 (+17.8%)
60岁HK$10,049 (+4.8%)
65岁HK$12,238 (-4.4%)
70岁HK$15,282 (-6.4%)
75岁HK$18,987 (+4.0%)
80岁HK$23,570 (+3.8%)
85岁HK$26,921 (+5.4%)
90岁HK$29,656 (+7.5%)
95岁HK$31,506 (+7.4%)
99岁HK$33,310 (+8.8%)
年均加幅（复息，年期＝今日−最早版本日期）· 计算至 2026-07-02
0岁+0.85%
5岁+0.85%
10岁+1.81%
15岁+1.81%
20岁+5.07%
25岁+5.24%
30岁+5.54%
35岁+5.92%
40岁+6.15%
45岁+6.12%
50岁+5.32%
55岁+2.27%
60岁+0.64%
65岁-0.61%
70岁-0.91%
75岁+0.54%
80岁+0.52%
85岁+0.72%
90岁+0.99%
95岁+0.98%
99岁+1.16%
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 2026-07-02
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。