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Historical Crediting Interest Rates

The following includes historical crediting interest rates for universal life products which have issued new policies since 2010, and still have policies inforce in reporting year 2023. Please be reminded that the historical crediting interest rates shown are for reference only and should not be taken as an indicator of future performance of our universal life products.

Notes:

  1. The crediting interest rates shown are calculated before any relevant charges applicable to your policy. Please refer to policy provisions for details of the charges applicable to your policy.
  2. Unless otherwise specified, the crediting interest rates shown are calculated based on weighted average of actual crediting interest rates of the policies in each calendar year. Therefore, please refer to your annual statement for the actual crediting interest rates applicable to your policy.

Savie

HK$ Plan

Single Premium

Single Premium

For policies
submitted before
29th Feb 2016

For policies
submitted
between 7th Mar
2016 to 8th May
2016

For policies
submitted
between 9th May
2016 to 30th Jun
2016

For policies
submitted on or
after 7th Jul 2016

Single Premium

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

Single Premium

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

For policies
submitted before
29th Feb 2016

N/A

3.00%

3.00%

3.16%

3.55%

2.67%

2.24%

2.10%

2.10%

2.10%

For policies
submitted
between 7th Mar
2016 to 8th May
2016

N/A

N/A

2.00%

2.00%

2.00%

2.50%

2.24%

2.10%

2.10%

2.10%

For policies
submitted
between 9th May
2016 to 30th Jun
2016

N/A

N/A

1.00%

1.60%

2.60%

2.79%

2.24%

2.10%

2.10%

2.10%

For policies
submitted on or
after 7th Jul 2016

N/A

N/A

2.00%

2.00%

2.22%

2.68%

2.01%

2.04%

2.10%

2.10%

Regular Premium

Regular Premium

For policies
submitted
between 7th Mar
2016 to 23rd Apr
2016

For policies
submitted
between 9th May
2016 to 30th Jun
2016

For policies
submitted on or
after 7th Jul 2016

Regular Premium

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

Regular Premium

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

For policies
submitted
between 7th Mar
2016 to 23rd Apr
2016

N/A

N/A

3.00%

3.00%

3.00%

2.73%

2.24%

2.10%

2.10%

2.10%

For policies
submitted
between 9th May
2016 to 30th Jun
2016

N/A

N/A

1.00%

1.60%

2.60%

2.79%

2.24%

2.10%

2.10%

2.10%

For policies
submitted on or
after 7th Jul 2016

N/A

N/A

2.00%

2.00%

2.00%

2.00%

2.02%

2.08%

2.10%

2.10%

All historical crediting interest rates

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