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Every FinWise compare ranking is independent of advertising spend, sponsorship or commission size. This page fully discloses each product category's ranking criteria, weights, data sources, and our monthly self-disclosed sampling results. Everything here is self-disclosure by the platform — not a third-party audit, not any certification or rating; FinWise is not a licensed financial institution and nothing here constitutes investment, insurance, tax or legal advice.
Each month our own staff sample the top-5 results on every compare page and cross-check against: (a) bank / insurer public schedules, (b) the stated ranking fields, (c) our internal promotion flags. The figures below are self-disclosed illustrative sample metrics — not a third-party audit, not a certification, not a regulator's view, and not a rating of any product or firm. Verify against official sources.
Methodology: Industry Benchmark Methodology (no third-party data while unlicensed) · Self-prepared by the platform; not reviewed by any independent third party or regulator
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.
| Dimension | Weight | Notes |
|---|---|---|
| Published annual rate | 85% | Only rows with published promo rate listed; board and promo shown separately |
| Shortest eligible tenure | 10% | At same rate, shorter lock-in ranked higher |
| Minimum deposit | 5% | At same rate/tenure, lower minimum wins |
Sources: HK licensed / virtual bank public sites plus a third-party public rate aggregator · Only rates already published by those sources (board plus online / new-funds style offers) are listed; limited-time flash promos, selected-customer offers and rates not published online are excluded — our "best rate" is not the whole market · Not licensed · Not advice
| Dimension | Weight | Notes |
|---|---|---|
| After-tax net annual premium | 50% | User's marginal rate applied to show real cost |
| Benefit coverage ratio (published schedule) | 25% | Hospital, surgical, ward-class match |
| Deductible level | 15% | Lower deductible better at same premium |
| Insurer claims transparency | 10% | Public claims ratio + avg. processing days |
Premium-movement measurement method: Industry Benchmark Methodology (no insurer or plan figures published while unlicensed)
| Dimension | Weight |
|---|---|
| Annualised after-tax cost | 55% |
| Guaranteed return | 25% |
| Lock-in duration | 15% |
| Surrender value Y1–3 ratio | 5% |
| Dimension | Weight |
|---|---|
| Fund expense ratio (FER) | 45% |
| 5-yr annualised net return | 35% |
| 3-yr max drawdown | 15% |
| Trustee stability | 5% |
| Dimension | Weight |
|---|---|
| Base earn (no registration) | 45% |
| Monthly peak reward cap | 30% |
| Annual fee / waiver threshold | 15% |
| Welcome value net of T&C | 10% |
We never name, rank or rate any intermediary or insurer. While unlicensed, the benchmarks page publishes method only — indicator definitions, weighting formulae, sources and limitations — and carries no figure, score or ranking of any firm or plan, not even anonymised ones, because a self-made metric with no independent verifier amounts to self-certification. For real data, see the IA register, the MPFA fee-disclosure platform and the vhis.gov.hk approved-product list.
Full methodology: Open the Industry Benchmark Methodology · Not licensed · Not advice
Questions about any disclosure on this page? Email compliance@finwise.hk. Within 5 business days we provide a disclosure-workpaper extract (excluding third-party trade secrets). Nothing here is legal or financial advice.