One flagship savings plan currently sold by each of the 13 insurers. Parameters and feature summaries are compiled from the insurers' own product pages and product brochures.
This page is compiled from each insurer's official product page and product brochure (checked 2026-09-29). The button at the foot of every card links straight to that plan's official page on the insurer's site. The currency, premium term and coverage term shown are product parameters only — no illustrated return figures are quoted. Plan terms, dividend mechanics, charges and current arrangements are always governed by the insurer's official benefit illustration and policy provisions.
PRODUCT LIBRARY
Plan library
Use the filters above to narrow down by structure or by insurer, then look at the detail.
Type
Insurer
AIAAIA
Global Power Multi-Currency Plan 3
Multi-currencyFlexible withdrawal
Policy currency9 currencies
Premium termSingle / 3 / 5 / 10 years
Coverage termWhole of life
Up to 9 policy currencies, chosen at application and convertible from the end of the 2nd policy year (described by AIA as the earliest in the market)
Policy split option lets one policy be divided into several, for flexible asset allocation
Bonus and dividend lock-in / unlock options to realise potential gains or roll them back; a mental incapacity option is also available
Withdrawal mechanismsBonus lock-in and unlockPolicy split
Up to 9 policy currencies with unlimited currency conversions, helping reduce currency risk
Dual currency accounts (primary and global) allow policy value to be locked while earning interest in the chosen currency
Wealth butler service, described by AXA as a market first, tailors withdrawals for up to 3 payees; unlimited change of insured with cover to the new insured's age 138
Withdrawal mechanismsBonus lock-in and unlockRegular withdrawal or income option
Eight policy currencies with a currency conversion option, exercisable once per policy year from the 3rd policy anniversary
Guaranteed cash value plus annual and terminal dividends; from the 20th anniversary the surrender value can be retained on deposit with the insurer
Twelve 'Wisdom Wealth' advance policy instruction payout options and a contingent insured; prepaying 2- or 3-year premiums earns up to 6% guaranteed interest per annum
No plan matches these filters. Try a different combination.
STRUCTURE
Four structures worth understanding
Understand these four and the illustrated numbers stop being confusing.
Guaranteed element
The minimum cash value and death benefit the insurer commits to, unaffected by investment performance. This is the floor.
Non-guaranteed element
Annual dividends, reversionary bonuses and terminal bonuses, driven by investment performance and dividend policy — can come in above or below illustration.
Surrender value curve
Early surrender values are typically well below premiums paid; the break-even point often sits beyond policy years 5 to 10.
Currency and flexibility
Multi-currency plans allow the policy currency to be switched, and policy splitting or change of insured can support succession planning.
WITHDRAWAL
Withdrawal codes: how money comes out of the policy
Surrendering is not the only way out of a Hong Kong savings plan. The market has a name for the other route: the withdrawal code.
What is a withdrawal code?
In Hong Kong the trade uses withdrawal code for a pre-calculated withdrawal schedule: once premiums have been paid for a set number of years, you withdraw a fixed percentage of total premiums each year from a set policy year onwards — taking an income while the policy keeps accumulating, which the trade calls a perpetual annuity effect. Read left to right, the digits give the premium term, the first withdrawal year and the annual withdrawal percentage. It is not a policy term. It is an illustration produced by an insurer or intermediary on assumed dividend performance, and whether it can be sustained depends on dividend fulfilment.
How to read the digits
Take 566, the example most often quoted:
5Premium termFive years of premiums
6First withdrawalWithdrawals begin in policy year 6
6Annual rate6% of total premiums each year
So 566 means pay for five years, then take 6% of total premiums a year from year 6, for life.
Codes you will see quoted
The ones in widest circulation. The same plan can produce different codes under different assumptions.
Code
What it means
565
Pay 5 years → withdraw 5% of total premiums a year from year 6
566
Pay 5 years → withdraw 6% of total premiums a year from year 6 (the most quoted)
567
Pay 5 years → withdraw 7% of total premiums a year from year 6
5-10-8
Pay 5 years → withdraw 8% a year from year 10 — start later, withdraw more each year
5-20-5.8
Pay 5 years → take back a larger lump sum in year 20, then 5.8% a year thereafter
These are common industry shorthand, not official policy terms, and not a recommendation.
Behind the code: six official withdrawal mechanisms
A withdrawal code is only an illustration. What the policy provisions actually set out — and what decides whether money can come out — are the mechanisms below. The tags on each plan card above show what that insurer's own product page lists.
Dividend withdrawal
Take the annual or cash dividends the policy has declared; they can also offset premiums or be left with the insurer to accumulate. Once declared, the amount is settled.
Bonus lock-in and unlock
Move non-guaranteed bonuses into a lock-in account, where they become more certain and can be drawn at any time; some plans keep crediting non-guaranteed interest.
Partial surrender or value withdrawal
Withdraw part of the cash value without surrendering the policy outright; the rest keeps accumulating, with a lower sum assured and slower growth.
Policy loan
Borrow against the guaranteed cash value. Cover and dividends continue, but interest is charged and any unpaid amount is deducted from a payout.
Regular withdrawal or income option
Set an amount and a frequency — monthly or yearly — and the insurer pays it automatically; some plans let you name the payee. Common for retirement income and school fees.
Policy split
Divide one policy into several that can be drawn down, passed on or held in different currencies — withdrawing touches only one of them.
A withdrawal code is an illustration, not a policy term: it assumes dividend fulfilment keeps meeting expectations, actual payouts can be higher or lower, and taking money early reduces later growth. The mechanisms tagged on the cards above are those explicitly listed on each insurer's own product page; a plan not showing one does not mean it lacks it. Conditions, caps, charges and tax treatment are always governed by the insurer's official benefit illustration and policy provisions.
FAQ
Common questions
Who is a savings plan suitable for?
People with funds they can leave untouched for eight years or more, looking for steady long-term growth and willing to hold assets in a foreign currency. If the money may be needed within a few years, it is usually not a suitable choice.
Is a higher illustrated return always better?
No. The illustrated return is the non-guaranteed part. Look at the share of guaranteed cash value, the insurer's fulfilment ratio history, and the investment strategy behind it.
How do I choose a currency for a multi-currency plan?
Start from the currency you will actually need — where a child will study, where you plan to retire, or the currency your other assets are held in. Also check the limits on how often you can switch and the related fees.
What if I need the money part way through?
Options include withdrawing declared annual dividends, taking a policy loan, or partial surrender — each affects future growth and cover. Confirm the impact with an intermediary first.
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