How to play
Ngau Ham is a comparing card game playing between two hands:the 'player'(Three) and the 'banker'(One). The dealer deals five cards to players's hand and banker's hand each game. Everyone's cards divided into head(Two Cards) and last(Three Cards). And the outcome is determined by comparing that a banker compares with three players for head and last. A round of a game has three possible outcomes: 'player', 'banker', and 'tie'.
Types of Bet
| Type |
Odds |
Condition of Winning |
| Banker (01-03) |
2.0 |
Banker has bigger card than Player (01-03). If Banker wins for head with a hand total of 6, you will get half of the prize |
| Player (01-03) |
2.0 |
Player (01-03) has bigger card than Banker. If Player (01-03) wins for head with a hand total of 6, you will get half of the prize. |
| Jackpot Banker / Jackpot Player(01-03) |
refer to the betting page |
Banker / Player (01-03) has cards which is Straight flush or Four of a kind or Full House or Flush or Straight or Three of a kind or Two pair |
Rules
- Everyone has five cards. Divided into two groups: head group(Two Cards) and last group(Three Cards).
- The point of the card from small to big are: A 2 3 4 5 6 7 8 9 10/J/Q/K. J Q K all are 10 points.
- An ace-high straight flush such as ♠A♠K♠Q♠J♠10 is known as a royal flush.
- A straight flush is a hand that contains five cards in sequence, all of the same suit, such as ♥Q♥J♥10♥9♥8. And Royal Flush also belong to Straight Flush.
- A straight is a poker hand such as ♥Q♠J♦10♥9♣8 that contains five cards of sequential rank.
- Four of a kind, also known as quads, is a poker hand such as ♣9♥9♠9♦9♣8 that contains four cards of one rank and an unmatched card of another rank.
- A full house, also known as a full boat, is a hand such as ♦3♠3♥3♣6♦6 that contains three matching cards of one rank and two matching cards of another rank.
- Three of a kind, also called trips or a set, is a poker hand such as ♥2♣2♦2♠K♥8 that contains three cards of the same rank, plus two unmatched cards.
- A flush is a poker hand such as ♠Q♠10♠7♠6♠4, where all five cards are of the same suit.
- The outcome is determined by the points(only 10 points) of last and the points of the head. If each of other the points of last are not 10, it is tie. Who win the game has 10 points of the last and another has not 10 points of the last. If each other have 10 points of the last, who win the game has bigger points for the head, and it is tie for having the same points of head.
- If Banker (01-03)/Player (01-03) wins for head with a hand total of 6, you will get half of the prize.
Examples
| Game |
Bet |
Win/Lose |
| Banker(01-03) |
Player 01 |
Player 02 |
Player 03 |
Jackpot |
Result |
Type |
Odds |
Amount |
 |
 |
 |
 |
Banker, Player 02 |
Tie(01), Banker(02), Banker(03) |
Banker 02 |
2.0 |
100 |
100 |
| Player 02 |
2.0 |
100 |
-100 |
| Player 01 |
2.0 |
100 |
0 |
| Jackpot Banker |
250 |
$1.00 |
249(USD) |
| Jackpot Player 03 |
-- |
$1.00 |
-1.00 (USD) |
 |
 |
 |
 |
Player 01, Player 02 |
Banker(01), Player(02), Banker(03) |
Banker 01 |
2.0 |
100 |
100 |
| Player 01 |
2.0 |
100 |
-100 |
| Jackpot Banker |
-- |
$1.00 |
-1.00 (USD) |
| Jackpot Player 01 |
100 |
$1.00 |
99(USD) |
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