Hidden Insights: Exploring Special Data Applications

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Contribution period 1 year or prepaid 1 year or prepaid 3 years 2 years
Guaranteed IRR at maturity 2.25% 2% 2% 1.76%
Guaranteed payback period 3 years 1 year 1 year 3 years
Minimum full payment HK$10,000 HK$18,000 HK$18,000 HK$10,000
Guaranteed Return Ratio at Maturity 106.9% 106.1% 104.1% 104.5%
1 year plan
product Little H company
Plan 2

Contribution period overseas chinese database 1 year or prepaid
Guaranteed IRR at maturity 4.01%
Guaranteed payback period 1 year
Minimum full payment HK$60,000
Guaranteed Return Ratio at Maturity 104%
Things to note when purchasing Hong Kong dollar short-term savings insurance
Early surrender may incur losses
The guaranteed payback period of Hong Kong dollar short-term savings insurance plans on the market ranges from 1 to 5 years. Surrendering the policy before the payback period will result in losses. As for the 5-year plan, Company W has a plan that guarantees returns in 2 years; as for the 3-year plan, Company W, Company Z and Company B also guarantee return of capital in the first year.