Hoiana Niu Niu

Hoiana Niu Niu is a variant of the popular card game Niu Niu that is played in south-eastern China and Cambodia. It is played with a single deck of 52 cards, with hands comprising of five cards each. The objective of the game is to have a higher-ranking hand than the Dealer after you have set your cards into a three and two card hand.

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Hoiana Niu Niu

How To Play Hoiana Niu Niu

To participate in the game of Hoiana Niu Niu, you must place a wager on the “Even”. You then have the option to place a wager on the “Double” and/or “Super Niu”. The “Double” and “Super Niu” wager can be equal or lesser than the “Even” wager.

When you wager on “Double” and/or “Super Niu”, you must place an insurance amount (that is twice the “Double” wager and 11 times of “Super Niu” wager respectively) on the ‘’Reserve” area of the layout. This “Reserve” amount may be forfeited, partially forfeited or retained if you have a losing hand. When all wagers have been placed and the betting is closed, five cards shall be dealt to all players and the Dealer.

The players and the Dealer will set their hands.

In general, to have a valid Niu hand, three cards must total 10, 20 or 30 (other than Hoiana Niu Niu). The remaining two cards shall determine the outcome of the hand.

The total of those two cards shall determine the winner. If your card total equals the Dealer, the highest ranked card shall determine the winner. If the highest ranked card is the same, the suit of the highest ranked card shall determine the winner.

If you and the Dealer are unable to establish a three-card hand totaling 10, 20 or 30, it is a “No Hand” and the highest ranked card will determine the winner. If the highest ranked card has the same value, the suit of the highest ranked card shall determine the winner.

Order Of Hands And Odds Payable

| Hands | Odds Of Even | Odds Of Double | Odds Of Super NIU | |------------------|--------------------|-------------------|--------------------| | Hoiana Niu Niu | 1 to 1 | 3 to 1 (-5% comm) | 12 to 1 (-5% comm) | | Ultimate Niu Niu | 1 to 1 | 3 to 1 (-5% comm) | 11 to 1 (-5% comm) | | Niu Niu | 1 to 1 | 3 to 1 (-5% comm) | 10 to 1 (-5% comm) | | Niu 9 | 1 to 1 | 2 to 1 (-5% comm) | 9 to 1 (-5% comm) | | Niu 8 | 1 to 1 | 2 to 1 (-5% comm) | 8 to 1 (-5% comm) | | Niu 7 | 1 to 1 | 2 to 1 (-5% comm) | 7 to 1 (-5% comm) | | Niu 6 | 1 to 1 (-50% comm) | 1 to 1 | 6 to 1 (-5% comm) | | Niu 5 | 1 to 1 | 1 to 1 | 5 to 1 (-5% comm) | | Niu 4 | 1 to 1 | 1 to 1 | 4 to 1 (-5% comm) | | Niu 3 | 1 to 1 | 1 to 1 | 3 to 1 (-5% comm) | | Niu 2 | 1 to 1 | 1 to 1 | 2 to 1 (-5% comm) | | Niu 1 | 1 to 1 | 1 to 1 | 1 to 1 | | No hand | 1 to 1 | 1 to 1 | 1 to 1 |

Outcome Of Additional Monies Whenn Dealer Has The Winning Hand

| Dealer Hand | Reserve On Double | Reserve On Super New | |------------------|-------------------------------------------|-----------------------------------------------------| | Hoiana Niu Niu | The total “Reserve” amount shall be taken | The total “Reserve” amount shall be taken | | Ultimate Niu Niu | The total “Reserve” amount shall be taken | An amount 10 times of Super Niu wager will be taken | | Niu Niu | The total “Reserve” amount shall be taken | An amount 9 times of Super Niu wager will be taken | | Niu 9 | The total “Reserve” amount shall be taken | An amount 8 times of Super Niu wager will be taken | | Niu 8 | The total “Reserve” amount shall be taken | An amount 7 times of Super Niu wager will be taken | | Niu 7 | The total “Reserve” amount shall be taken | An amount 6 times of Super Niu wager will be taken | | Niu 6 | The “Reserve” amount will be retained | An amount 5 times of Super Niu wager will be taken | | Niu 5 | The “Reserve” amount will be retained | An amount 4 times of Super Niu wager will be taken | | Niu 4 | The “Reserve” amount will be retained | An amount 3 times of Super Niu wager will be taken | | Niu 3 | The “Reserve” amount will be retained | An amount 2 times of Super Niu wager will be taken | | Niu 2 | The “Reserve” amount will be retained | An amount same with Super Niu wager will be taken | | Niu 1 | The “Reserve” amount will be retained | The “Reserve” amount will be retained | | No Hand | The “Reserve” amount will be retained | The “Reserve” amount will be retained |

Hand Definitions

| Hand | Description | |------------------|----------------------------------------------------------------------------| | Hoiana Niu Niu | Four of a Kind, four identical cards | | Ultimate Niu Niu | 5 cards consisting of J, Q or K’s | | Niu Niu | 3 cards add up to a multiple of 10, the other two cards add up to 10 or 20 | | Niu 9 | 3 cards add up to a multiple of 10, the other two cards add up to 9 or 19 | | Niu 8 | 3 cards add up to a multiple of 10, the other two cards add up to 8 or 18 | | Niu 7 | 3 cards add up to a multiple of 10, the other two cards add up to 7 or 17 | | Niu 6 | 3 cards add up to a multiple of 10, the other two cards add up to 6 or 16 | | Niu 5 | 3 cards add up to a multiple of 10, the other two cards add up to 5 or 14 | | Niu 4 | 3 cards add up to a multiple of 10, the other two cards add up to 4 or 14 | | Niu 3 | 3 cards add up to a multiple of 10, the other two cards add up to 3 or 13 | | Niu 2 | 3 cards add up to a multiple of 10, the other two cards add up to 2 or 12 | | Niu 1 | 3 cards add up to a multiple of 10, the other two cards add up to 11 | | No hand | Means a hand cannot be formed with 3 cards adding up to 10, 20 or 30 |

Card Values And Ranking

| | Description | |-------------|--------------------------------------------------------------------------| | Card Values | K, Q, J equal 10, Ace equals 1 and all other cards have their face value | | Totals | 20/10 > 19/9 > 18/8 > 17/7 > 16/6 > 15/5 > 14/4 > 13/3 > 12/2 > 11 | | Rank | K > Q > J > 10 > 9 > 8 > 7 > 6 > 5 > 4 > 3 > 2 > A | | Suit | Spades ♠ > Hearts ♥ > Clubs ♣ > Diamonds ♦ |

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