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保誠保險有限公司 · F00068-02-000 · 3 个版本 · 灵活计划 · 年均加幅 +3.20%
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 98 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 | F00068-02-000-01 2022-10-03 | F00068-02-000-01 2024-10-01 | F00068-02-000-01 2025-10-01 | 年均加幅 |
|---|---|---|---|---|
| 0 | HK$9,111 | HK$9,566 (+5.0%) | HK$10,368 (+8.4%) | +3.47% |
| 5 | HK$6,536 | HK$6,863 (+5.0%) | HK$7,439 (+8.4%) | +3.47% |
| 10 | HK$4,954 | HK$5,201 (+5.0%) | HK$5,640 (+8.4%) | +3.48% |
| 15 | HK$4,611 | HK$4,841 (+5.0%) | HK$5,251 (+8.5%) | +3.49% |
| 20 | HK$5,274 | HK$5,538 (+5.0%) | HK$6,005 (+8.4%) | +3.48% |
| 25 | HK$6,022 | HK$6,323 (+5.0%) | HK$6,855 (+8.4%) | +3.48% |
| 30 | HK$6,653 | HK$6,986 (+5.0%) | HK$7,573 (+8.4%) | +3.48% |
| 35 | HK$7,524 | HK$7,900 (+5.0%) | HK$8,563 (+8.4%) | +3.47% |
| 40 | HK$9,032 | HK$9,483 (+5.0%) | HK$10,230 (+7.9%) | +3.34% |
| 45 | HK$11,533 | HK$12,110 (+5.0%) | HK$13,062 (+7.9%) | +3.34% |
| 50 | HK$14,592 | HK$15,322 (+5.0%) | HK$16,524 (+7.8%) | +3.34% |
| 55 | HK$18,356 | HK$19,274 (+5.0%) | HK$20,785 (+7.8%) | +3.33% |
| 60 | — | — | HK$27,527 | — |
| 65 | HK$34,691 | HK$36,426 (+5.0%) | HK$39,274 (+7.8%) | +3.33% |
| 70 | HK$43,943 | HK$46,141 (+5.0%) | HK$49,747 (+7.8%) | +3.33% |
| 75 | HK$54,453 | HK$57,175 (+5.0%) | HK$61,642 (+7.8%) | +3.33% |
| 80 | HK$64,724 | HK$67,960 (+5.0%) | HK$73,269 (+7.8%) | +3.33% |
| 85 | HK$73,764 | HK$77,453 (+5.0%) | HK$83,501 (+7.8%) | +3.33% |
| 90 | HK$79,121 | HK$83,077 (+5.0%) | HK$89,564 (+7.8%) | +3.33% |
| 95 | HK$85,617 | HK$89,897 (+5.0%) | HK$96,917 (+7.8%) | +3.33% |
| 99 | HK$89,669 | HK$94,152 (+5.0%) | HK$101,504 (+7.8%) | +3.33% |
| 所有年龄平均 | — | +5.0% | +8.1% | — |
0岁HK$9,111
5岁HK$6,536
10岁HK$4,954
15岁HK$4,611
20岁HK$5,274
25岁HK$6,022
30岁HK$6,653
35岁HK$7,524
40岁HK$9,032
45岁HK$11,533
50岁HK$14,592
55岁HK$18,356
60岁—
65岁HK$34,691
70岁HK$43,943
75岁HK$54,453
80岁HK$64,724
85岁HK$73,764
90岁HK$79,121
95岁HK$85,617
99岁HK$89,669
0岁HK$9,566 (+5.0%)
5岁HK$6,863 (+5.0%)
10岁HK$5,201 (+5.0%)
15岁HK$4,841 (+5.0%)
20岁HK$5,538 (+5.0%)
25岁HK$6,323 (+5.0%)
30岁HK$6,986 (+5.0%)
35岁HK$7,900 (+5.0%)
40岁HK$9,483 (+5.0%)
45岁HK$12,110 (+5.0%)
50岁HK$15,322 (+5.0%)
55岁HK$19,274 (+5.0%)
60岁—
65岁HK$36,426 (+5.0%)
70岁HK$46,141 (+5.0%)
75岁HK$57,175 (+5.0%)
80岁HK$67,960 (+5.0%)
85岁HK$77,453 (+5.0%)
90岁HK$83,077 (+5.0%)
95岁HK$89,897 (+5.0%)
99岁HK$94,152 (+5.0%)
0岁HK$10,368 (+8.4%)
5岁HK$7,439 (+8.4%)
10岁HK$5,640 (+8.4%)
15岁HK$5,251 (+8.5%)
20岁HK$6,005 (+8.4%)
25岁HK$6,855 (+8.4%)
30岁HK$7,573 (+8.4%)
35岁HK$8,563 (+8.4%)
40岁HK$10,230 (+7.9%)
45岁HK$13,062 (+7.9%)
50岁HK$16,524 (+7.8%)
55岁HK$20,785 (+7.8%)
60岁HK$27,527
65岁HK$39,274 (+7.8%)
70岁HK$49,747 (+7.8%)
75岁HK$61,642 (+7.8%)
80岁HK$73,269 (+7.8%)
85岁HK$83,501 (+7.8%)
90岁HK$89,564 (+7.8%)
95岁HK$96,917 (+7.8%)
99岁HK$101,504 (+7.8%)
年均加幅（复息，年期＝今日−最早版本日期）· 计算至 2026-07-02
0岁+3.47%
5岁+3.47%
10岁+3.48%
15岁+3.49%
20岁+3.48%
25岁+3.48%
30岁+3.48%
35岁+3.47%
40岁+3.34%
45岁+3.34%
50岁+3.34%
55岁+3.33%
60岁—
65岁+3.33%
70岁+3.33%
75岁+3.33%
80岁+3.33%
85岁+3.33%
90岁+3.33%
95岁+3.33%
99岁+3.33%
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 | F00068-02-000-01 2022-10-03 | F00068-02-000-01 2024-10-01 | F00068-02-000-01 2025-10-01 | 年均加幅 |
|---|---|---|---|---|
| 0 | HK$9,111 | HK$9,566 (+5.0%) | HK$7,915 (-17.3%) | -3.65% |
| 5 | HK$6,536 | HK$6,863 (+5.0%) | HK$5,458 (-20.5%) | -4.65% |
| 10 | HK$4,954 | HK$5,201 (+5.0%) | HK$4,391 (-15.6%) | -3.13% |
| 15 | HK$4,611 | HK$4,841 (+5.0%) | HK$4,900 (+1.2%) | +1.62% |
| 20 | HK$5,274 | HK$5,538 (+5.0%) | HK$5,919 (+6.9%) | +3.09% |
| 25 | HK$6,022 | HK$6,323 (+5.0%) | HK$7,963 (+25.9%) | +7.65% |
| 30 | HK$6,653 | HK$6,986 (+5.0%) | HK$9,391 (+34.4%) | +9.52% |
| 35 | HK$7,524 | HK$7,900 (+5.0%) | HK$11,699 (+48.1%) | +12.35% |
| 40 | HK$9,032 | HK$9,483 (+5.0%) | HK$13,845 (+46.0%) | +11.93% |
| 45 | HK$11,533 | HK$12,110 (+5.0%) | HK$16,959 (+40.0%) | +10.71% |
| 50 | HK$14,592 | HK$15,322 (+5.0%) | HK$18,955 (+23.7%) | +7.15% |
| 55 | HK$18,356 | HK$19,274 (+5.0%) | HK$20,481 (+6.3%) | +2.93% |
| 60 | — | — | HK$24,719 | — |
| 65 | HK$34,691 | HK$36,426 (+5.0%) | HK$34,900 (-4.2%) | +0.16% |
| 70 | HK$43,943 | HK$46,141 (+5.0%) | HK$44,603 (-3.3%) | +0.39% |
| 75 | HK$54,453 | HK$57,175 (+5.0%) | HK$55,433 (-3.0%) | +0.47% |
| 80 | HK$64,724 | HK$67,960 (+5.0%) | HK$65,530 (-3.6%) | +0.33% |
| 85 | HK$73,764 | HK$77,453 (+5.0%) | HK$73,792 (-4.7%) | +0.01% |
| 90 | HK$79,121 | HK$83,077 (+5.0%) | HK$80,899 (-2.6%) | +0.59% |
| 95 | HK$85,617 | HK$89,897 (+5.0%) | HK$85,688 (-4.7%) | +0.02% |
| 99 | HK$89,669 | HK$94,152 (+5.0%) | HK$89,433 (-5.0%) | -0.07% |
| 所有年龄平均 | — | +5.0% | +7.4% | — |
0岁HK$9,111
5岁HK$6,536
10岁HK$4,954
15岁HK$4,611
20岁HK$5,274
25岁HK$6,022
30岁HK$6,653
35岁HK$7,524
40岁HK$9,032
45岁HK$11,533
50岁HK$14,592
55岁HK$18,356
60岁—
65岁HK$34,691
70岁HK$43,943
75岁HK$54,453
80岁HK$64,724
85岁HK$73,764
90岁HK$79,121
95岁HK$85,617
99岁HK$89,669
0岁HK$9,566 (+5.0%)
5岁HK$6,863 (+5.0%)
10岁HK$5,201 (+5.0%)
15岁HK$4,841 (+5.0%)
20岁HK$5,538 (+5.0%)
25岁HK$6,323 (+5.0%)
30岁HK$6,986 (+5.0%)
35岁HK$7,900 (+5.0%)
40岁HK$9,483 (+5.0%)
45岁HK$12,110 (+5.0%)
50岁HK$15,322 (+5.0%)
55岁HK$19,274 (+5.0%)
60岁—
65岁HK$36,426 (+5.0%)
70岁HK$46,141 (+5.0%)
75岁HK$57,175 (+5.0%)
80岁HK$67,960 (+5.0%)
85岁HK$77,453 (+5.0%)
90岁HK$83,077 (+5.0%)
95岁HK$89,897 (+5.0%)
99岁HK$94,152 (+5.0%)
0岁HK$7,915 (-17.3%)
5岁HK$5,458 (-20.5%)
10岁HK$4,391 (-15.6%)
15岁HK$4,900 (+1.2%)
20岁HK$5,919 (+6.9%)
25岁HK$7,963 (+25.9%)
30岁HK$9,391 (+34.4%)
35岁HK$11,699 (+48.1%)
40岁HK$13,845 (+46.0%)
45岁HK$16,959 (+40.0%)
50岁HK$18,955 (+23.7%)
55岁HK$20,481 (+6.3%)
60岁HK$24,719
65岁HK$34,900 (-4.2%)
70岁HK$44,603 (-3.3%)
75岁HK$55,433 (-3.0%)
80岁HK$65,530 (-3.6%)
85岁HK$73,792 (-4.7%)
90岁HK$80,899 (-2.6%)
95岁HK$85,688 (-4.7%)
99岁HK$89,433 (-5.0%)
年均加幅（复息，年期＝今日−最早版本日期）· 计算至 2026-07-02
0岁-3.65%
5岁-4.65%
10岁-3.13%
15岁+1.62%
20岁+3.09%
25岁+7.65%
30岁+9.52%
35岁+12.35%
40岁+11.93%
45岁+10.71%
50岁+7.15%
55岁+2.93%
60岁—
65岁+0.16%
70岁+0.39%
75岁+0.47%
80岁+0.33%
85岁+0.01%
90岁+0.59%
95岁+0.02%
99岁-0.07%
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。