香港保监局发布相关规定，7月1日起，香港分红险演示利率设定上限，港元保单演示利率上限定为6%，非港元保单也限定了6.5%的上限。 不过，业内多位保险专家表示，香港分红险演示利率限高，不等于投资者的实际收益限高。对于投资者来说，购买香港保险更要考虑汇率波动和浮动收益 波动大等因素。"如果短期有资金需求，汇率波动风险承受能力较弱，投资风险承受能力较弱的投资者，不建议购买香港保险。"有业内专家提醒道。另有 法律人士也表示，因香港和内地两地法律差异，一旦发生保单纠纷，内地客户维权将面临多重挑战。 演示利率"限高"对实际收益无影响 汇率波动影响投保成本和实际收益 由于香港保险多数以美元或港元计价，近期汇率波动较大，也成为内地投资者考虑的一个重要因素。"2016年我投保的时候，美元兑人民币汇率是6.8，今 年年初汇率在7.2左右，相当于1万美元的保费，我要比以前多支出大约4000元人民币。"持有香港保单9年的投资者小严告诉记者，幸运的是这几年保单的 分红还比较"给力"，其间的汇率风险个人还能承受。 另一方面，如果要将保单的收益换回人民币使用，人民币兑美元汇率波动也直接影响最终收益。专业人士表示，对于分红险这类产品来说，可 ...

Core Viewpoint - The recent surge in demand for Hong Kong dividend insurance is driven by the impending regulatory cap on expected returns, prompting mainland clients to secure policies before the new limits take effect in July 2025 [2][3][7]. Group 1: Market Dynamics - The Hong Kong Insurance Authority issued guidelines limiting the expected return rates for dividend insurance policies, capping Hong Kong dollar policies at 6% and non-Hong Kong dollar policies at 6.5% starting July 1, 2025 [2][7]. - There has been a notable increase in mainland clients traveling to Hong Kong for insurance purchases, with many seeking to lock in the higher expected return rates before the regulatory changes [3][4]. - The demand for dividend insurance has surged since mid-May, with June witnessing peak activity as clients rush to finalize their policies [4][5]. Group 2: Agent Insights - Insurance agents report a significant increase in inquiries and business, with some agents experiencing explosive growth in policy signings during this period [4][5]. - Agents are actively promoting the last opportunity to secure higher expected returns, leading to a competitive environment among insurance companies [4][8]. - Some agents express concerns about the potential over-exaggeration of expected returns, advising clients to approach purchases with caution and consider their actual needs [5][9]. Group 3: Regulatory Impact - The new guidelines aim to standardize the expected return rates and prevent misleading marketing practices that could create unrealistic client expectations [7][8]. - The regulation is expected to shift the focus of insurance companies from aggressive marketing to more stable and realistic return management, benefiting both the market and clients [11][12]. - The cap on expected returns does not necessarily imply a reduction in actual returns, as it primarily serves as a marketing tool [11][12]. Group 4: Client Considerations - Clients are advised to understand the structure of dividend insurance, which includes guaranteed and non-guaranteed returns, and to be aware of the associated risks, including currency fluctuations [6][10]. - The potential long-term benefits of dividend insurance can be substantial, with significant differences in returns based on the duration of the policy [10][11]. - Clients should evaluate their financial goals and risk tolerance before making investment decisions, ensuring they are well-informed about the products they are considering [12].