Disability Income Replacement
The monthly income gap — and lump sum equivalent — if you couldn't work due to illness or injury.
Inputs
How this is calculated
Target monthly benefit = income × replacement rate. The gap (target − existing benefit) is present-valued as a monthly annuity over the benefit period, discounted at your chosen rate.
Estimate
Monthly income gap
HK$30,000
Lump sum needed (PV)
HK$4,055,764
For information only. Not advice, recommendation, or solicitation. Data has not been independently verified — always verify directly with the authorised intermediary or fund provider before making decisions.