HKD Short-Term Savings Insurance Comparison 2026: Which Plan Offers the Highest Guaranteed IRR?

HKD Short-term Savings Insurance policy terms are generally 3 or 5 years, and currently there is a 3-year product guaranteeing an Internal Rate of Return (IRR) of up to 4.75%. It is fairly attractive to investors who don’t want to endure the volatility of Hong Kong stocks and who seek stable returns. There are many similar products on the market; if you want to know which one offers higher returns, compare them now.

The U.S. federal funds rate is very likely to peak this year, and some investors may worry that high-interest time deposits will no longer be available. However, through short-term savings insurance, policyholders can lock in the rate of return for the coming years. In the short-term savings insurance comparison table above, the products are all HKD-denominated policies, and the vast majority can be purchased online; premium payment periods range from 1 to 2 years, policy terms are 3 or 5 years, and upon maturity the insurer will pay the guaranteed cash value.

10Life calculates the product's annualized guaranteed internal rate of return (IRR) using the entire cash flow. Among the products compared at year 3 in the table above, the guaranteed IRR is at least 2.38%. Well Link Life’s Well Save 3-Year Endowment Pro 2 has the highest guaranteed IRR at year 3, at 4.75%.

It is worth noting that surrendering a short-term savings insurance policy early may result in a loss. For example, most products in the table have a negative guaranteed IRR if surrendered after the first year, with the lowest at −13.46%. However, Well Link Life’s Well Save 3-Year Endowment Pro 2, ZA Insure’s ZA Savings Insurance, and Fubon Life’s PowerSave 3-Year Insurance Plan show positive guaranteed IRRs upon surrender at the end of the first year, based on the figures above.

In addition, short-term savings insurance differs from bank deposits and is not covered by the Deposit Protection Scheme. The insurer’s financial condition and ability to meet its contractual obligations are therefore important. If the insurer cannot fulfil these obligations, policyholders may lose their coverage and some or all of the premiums paid.

To compare short-term savings insurance products in different currencies, visit 10Life’s saving Decoder:

• Compare short-term savings insurance (RMB)
• Compare short-term savings insurance (USD)
• Compare short-term savings insurance (HKD)

Further reading:
What Is the Internal Rate of Return (IRR) for Savings Insurance and Annuities, and How Is It Calculated?

This English version of this article has been generated by machine translation powered by AI. It is provided solely for reference purposes. In the event of any discrepancy or inconsistency between this translation and the original Chinese version, the Chinese version shall prevail.