First-payment estimator
Estimate a single or annual long-term premium payment, the IA levy and your chosen bank/card fees and FX spread. Enter both currencies and exchange rates.
Illustration only, not advice.
General information only. The operator is a referrer, not a licensed insurance intermediary.
Assumptions and limits
Non-exempt long-term policy, single or annual payment only. From 1 April 2021 the levy is 0.1%, capped at HK$100 per policy year (HK$5,000 for general insurance, outside this tool). Monthly instalments share an annual cap. Levy is converted using your HKD rate; spread and percentage fees are added on the converted premium plus levy, then the fixed fee.
Calculations stay in this browser. Inputs are not sent, stored or added to the enquiry link. Avoid personal identifiers.
Static worked example
Hypothetical example — invented amounts, no product recommendation.
- Single or annual premium in policy currency
- 10000
- Policy currency (ISO code)
- USD
- Payment currency (ISO code)
- HKD
- HKD per 1 policy-currency unit
- 7.8
- Payment-currency units per 1 policy-currency unit
- 7.8
- Fixed bank/card fee in payment currency
- 0
- Bank/card percentage fee (%)
- 0
- FX spread (%)
- 0
- Levy in policy currency
- 10 USD
- Total
- 78,078 HKD
Your illustration results
Calculations stay in this browser. Inputs are not sent, stored or added to the enquiry link. Avoid personal identifiers.