Policy
Application Date		 Policy Currency Minimum Crediting Interest Rate (p.a.) Declared Crediting Interest Rate
Applicable on Anniversary (p.a.)
1st Policy Year 2nd to 5th Policy Year 6th to 10th Policy Year 11th to 20th Policy Year 1st Policy Year 2nd to 5th Policy Year 6th Policy Year and Thereafter
From 18 May 2019 RMB 4.00% 3.40%  2.50%     1.25%   4.00%   3.40% 3.40%
HKD 3.65%   3.65%    2.25%     1.00%  3.65%  3.65% 3.15%
USD 4.15%    4.15%     2.50%     1.25%  4.15%  4.15% 3.40%

Updated on 18 May 2019 (Hong Kong Time)

  1. The daily interest to be credited to the Account Value when the Policy of MaxiGrowth ULife Insurance Plan is in-force shall be calculated based on the Minimum Crediting Interest Rate. At the end of each Policy Anniversary, BOC Life shall calculate the amount of interest difference between interest calculated based on declared Crediting Interest Rate at that Policy Anniversary and interest calculated based on Minimum Crediting Interest Rate within that Policy Year and credit the amount of interest difference to the Account Value.
  2. Declared Crediting Interest Rate can be changed from time to time and will be subject to the prevailing declared crediting interest rate upon policy anniversary. BOC Life reserved the rights to revise the Minimum Crediting Interest Rate at the 20th policy anniversary and every 10th policy anniversary thereafter.