FinWise AI 每一個比較頁面的排序，唔受任何廣告費、贊助或佣金金額影響。 本頁完整公開每個產品類別的評分維度、權重、數據來源，以及每月更新的第三方模擬審計結果。
Every FinWise AI compare ranking is independent of advertising spend, sponsorship or commission size. This page fully discloses each product category's scoring dimensions, weights, data sources, and our monthly third-party simulated audit results.
每月獨立模擬審計人員抽取所有比較頁面前 5 位結果，對照：(a) 銀行/保司公開費率、(b) 平台聲稱排序欄位、(c) 內部佣金/推廣分配紀錄。分數 = 100 − (不一致證據數 × 6)。
Each month independent simulated auditors sample the Top-5 results on every compare page and cross-check against: (a) bank / insurer public schedules, (b) stated ranking fields, (c) internal commission / promotion logs. Score = 100 − (evidence of mismatch × 6).
完整審計方法：每月行業基準報告 · 審計人員為非金融業背景 · 不與平台供應商有關聯
Full methodology: Monthly Industry Benchmarks · Auditors have no financial-industry background · No vendor affiliation
所有比較結果的預設排序，只取決於你選取的客觀欄位（例如利率、保費、年費、扣稅後淨成本）， 以及下面公開的加權公式。任何銀行、保險公司、基金經理或其關聯公司支付的廣告費、轉介費、營銷合作，一律不會改變排名。
Default compare rankings depend solely on the objective field you select (e.g. rate, premium, annual fee, after-tax net cost), combined with the weighted formulae disclosed below. No advertising fee, referral payment or marketing partnership with any bank, insurer, fund manager or affiliate ever changes a ranking.
| 維度 | Dimension | Weight | 說明 | Notes |
|---|---|---|---|---|
| 已公布年利率 | Published annual rate | 85% | 有公開優惠息才列，牌價與推廣分開顯示 | Only rows with published promo rate listed; board and promo shown separately |
| 最短存款期 | Shortest eligible tenure | 10% | 相同利率時優先較短鎖定期 | At same rate, shorter lock-in ranked higher |
| 門檻金額 | Minimum deposit | 5% | 同息同期優先較低入場費 | At same rate/tenure, lower minimum wins |
數據來源：29 間香港持牌／虛擬銀行公開網站 · 自動爬取 + 每日人工抽查 · 最佳 3 間銀行即場核對
Sources: 29 HK licensed / virtual bank public sites · auto scrape + daily manual spot-check · top-3 banks verified live
| 維度 | Dimension | Weight | 說明 | Notes |
|---|---|---|---|---|
| 扣稅後淨年保費 | After-tax net annual premium | 50% | 按用戶邊際稅率計算實際成本 | User's marginal rate applied to show real cost |
| 保障償付比例（公開範圍） | Benefit coverage ratio (published schedule) | 25% | 住院、手術、病房級別匹配度 | Hospital, surgical, ward-class match |
| 自付額（Deductible） | Deductible level | 15% | 低自付額加分（相同保費下） | Lower deductible better at same premium |
| 保司索償透明度 | Insurer claims transparency | 10% | 公開索償比率、平均處理天數 | Public claims ratio + avg. processing days |
Top 10 保費波動榜：每月更新 → 行業基準報告
Top 10 premium volatility ranking, monthly → Industry Benchmarks
| 維度 | Dimension | Weight |
|---|---|---|
| 扣稅後年化成本 | Annualised after-tax cost | 55% |
| 保證回報率 | Guaranteed return | 25% |
| 鎖定期長度 | Lock-in duration | 15% |
| 退保價值首 3 年比例 | Surrender value Y1–3 ratio | 5% |
| 維度 | Dimension | Weight |
|---|---|---|
| 基金開支比率（FER） | Fund expense ratio (FER) | 45% |
| 扣費後 5 年年化回報 | 5-yr annualised net return | 35% |
| 3 年最大回撤 | 3-yr max drawdown | 15% |
| 受託人規模穩定性 | Trustee stability | 5% |
| 維度 | Dimension | Weight |
|---|---|---|
| 基本賺取率（不用登記） | Base earn (no registration) | 45% |
| 每月高峰獎賞上限 | Monthly peak reward cap | 30% |
| 年費 / 豁免門檻 | Annual fee / waiver threshold | 15% |
| 迎新真實價值（扣條件） | Welcome value net of T&C | 10% |
指數根據 IA 註冊保險中介人公開的佣金披露、保險公司條款費率、以及 MPFA 的強積金中介費披露， 按月自動爬取並計算「披露完整度 × 收費清晰度 × 可比較性」的綜合分數（0–100）。
Each month we auto-crawl IA registered insurance intermediary commission disclosures, insurer schedule fees, and MPFA intermediary-charge disclosures. The composite score (0–100) combines "disclosure completeness × fee clarity × comparability".
完整分項數據、Top 10 VHIS 保費波動榜：打開行業基準報告
Full breakdown + Top 10 VHIS premium volatility: Open Industry Benchmark Report
如對本頁任何披露有質疑，請電郵 compliance@finwise.hk。 我們會在 5 個工作天內提供審計底稿副本（不含第三方商業機密）。
Questions about any disclosure on this page? Email compliance@finwise.hk. Within 5 business days we provide an audit-workpaper extract (excluding third-party trade secrets).