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# Hi Lo Max

## Introduction

Hi Lo is a simple card game offered by Funfair Technologies, a provider of games for Internet casinos. It is very similar to the games High Low by BetFair, Draw Hi Lo by BetSoft, and Hi Lo by Playtech.

The idea behind both games is a random card is drawn and the player bets on whether the next card will be lower, higher, equal, as well as certain proposition bets.

## Rules

1. A 12-card deck is used, consisting of one card of each rank, except a 10.
2. Aces are high.
3. A card is drawn at random. If the player doesn't like it, he can have another one drawn, up to three total draws.
4. The player may bet whether the next card is higher, lower, equal, or on certain proposition bets.
5. Cards are dealt with replacement, meaning a card is returned to the deck after being played.
6. The game parlays all wins. The player may quit and start over at any time.
7. A list of bets and pay tables are shown below. All wins are on a "for one" basis.

Over Bets:

• Over 2 — 1.05
• Over 3 — 1.16
• Over 4 — 1.29
• Over 5 — 1.45
• Over 6 — 1.65
• Over 7 — 1.93
• Over 8 — 2.32
• Over 9 — 2.9
• Over J — 3.86
• Over Q — 5.79
• Over K — 11.58

Under Bets

• Under A — 1.05
• Under K — 1.16
• Under Q — 1.29
• Under J — 1.45
• Under 9 — 1.65
• Under 8 — 1.93
• Under 7 — 2.32
• Under 6 — 2.9
• Under 5 — 3.86
• Under 4 — 5.79
• Under 3 — 11.58

Proposition Bets:

• Snap* — 11.58
• Ace — 11.58
• Ace or king — 5.79
• J, Q, K, or A — 2.9
• 2 to 9 — 1.45
• Black — 1.93
• Red — 1.93

*: The "snap" bet pays if the next card is the same rank as the last one drawn.

## Analysis

The following table shows my analysis of Under and Over bets. The same math applies to a pair of bets, for example over 4 and under Q.

### Over/Under Bets

Over Under Pays Combinations Probability Return
2 A 1.05 11 0.916667 0.962500
3 K 1.16 10 0.833333 0.966667
4 Q 1.29 9 0.750000 0.967500
5 J 1.45 8 0.666667 0.966667
6 9 1.65 7 0.583333 0.962500
7 8 1.93 6 0.500000 0.965000
8 7 2.32 5 0.416667 0.966667
9 6 2.90 4 0.333333 0.966667
J 5 3.86 3 0.250000 0.965000
Q 4 5.79 2 0.166667 0.965000
K 3 11.58 1 0.083333 0.965000

The following table shows my analysis of the proposition bets.

### Proposition Bets

Bet Pays Combinations Probability Return
Snap 11.58 1 0.083333 0.965000
Ace 11.58 1 0.083333 0.965000
Ace or king 5.79 2 0.166667 0.965000
J, Q, K, or A 2.90 4 0.333333 0.966667
2 to 9 1.45 8 0.666667 0.966667
Black 1.93 6 0.500000 0.965000
Red 1.93 6 0.500000 0.965000

## Strategy

As you can see from the return tables, the highest the return gets is 96.67%. I recommend sticking those bets that have that return.

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