Learn how M Thai HiLo by SA Gaming works at 789Bingo! Explore Thai-style live dice with Hi, Lo, combination bets, and a maximum Theoretical RTP of 97.50%.
M Thai HiLo by SA Gaming uses three physical dice and a betting layout built around totals, individual numbers, doubles, and combined conditions. Instead of separating 11 into the normal High or Low ranges, the game treats it as its own HiLo result, creating a distinctive middle outcome between totals of 3–10 and 12–18.
The casino game online table provides 36 betting options, so two players can watch the same three dice while backing very different conditions. SA Gaming publishes a maximum RTP of 97.50%, but the individual wagers use different payouts and probabilities rather than sharing one identical mathematical return.
Three Dice Create 36 Different Betting Options
Quick Stats: Three standard six-sided dice | 36 published bet types | Maximum RTP 97.50%
SA Gaming launched Thai HiLo in 2025 as an online version of a dice game widely associated with Thailand and Southeast Asia. The dealer uses a mechanical dice shaker containing three standard dice, and the final result comes from the three individual faces plus their combined total.
At the beginning of a round, players place one or more wagers before the betting countdown ends. The dealer then activates the shaker, waits for all three dice to settle, and enters the three visible values into the system so the winning positions can be calculated.
The most obvious wagers divide totals into three groups. Lo covers totals from 3 through 10, HiLo covers exactly 11, and Hi covers totals from 12 through 18, so the middle score is deliberately removed from both broad ranges.
That structure is one reason M Thai HiLo is not simply another Sic Bo variant. Both use three dice, but the definitions of the main total bets, the available combinations, and the payout model follow SA Gaming’s Thai HiLo rules rather than a conventional Sic Bo table.
M Thai HiLo RTP and Payouts
Specification | Details |
Software Provider | SA Gaming |
Game Type | Live dealer Thai dice game |
Dice | Three standard six-sided dice |
Total Range | 3–18 |
Lo | 3–10 |
HiLo | Exactly 11 |
Hi | 12–18 |
Published Bet Types | 36 |
Maximum Published RTP | 97.50% |
Highest Published Payout | 10:1 on 6 Lo in the current rulebook |
Bet Range | Verify in the active 789Bingo game |
SA Gaming’s current rules list Hi at 1.1:1, Lo at 0.95:1, and 11 HiLo at 6:1. Those different payouts reflect the different sets of three-dice outcomes covered by each wager rather than one simple even-money High/Low system.
The provider also publishes a maximum game RTP of 97.50%. But it does not mean every one of the 36 betting choices individually returns 97.50% over theoretical long-term play.
For a player comparing a casino game online, this is an important distinction because M Thai HiLo offers many wagers on the same physical dice result. A broader bet may cover more combinations with a smaller payout, while a narrower condition can pay more but require several things to happen at once.
Lo Covers Totals From 3 Through 10
Lo wins when the sum of all three dice is between 3 and 10 inclusive. It pays 0.95:1 under SA Gaming’s current published rulebook.
For example, dice showing 2, 3 and 4 total 9, so Lo wins. A result of 1, 3 and 6 totals 10 and also qualifies, but 2, 4 and 5 totals 11 and therefore moves into the separate HiLo category instead.
This separation at 11 gives M Thai HiLo a less symmetrical appearance than simply calling everything below a midpoint Low and everything above it High. The provider intentionally reserves one central total for its own dedicated wager.
A ₱100 Lo wager paid at 0.95:1 would produce ₱95 in winnings plus the returned ₱100 stake when successful. The exact PHP minimum and maximum should still be checked in the active 789Bingo interface because SA Gaming’s general rulebook does not establish operator-specific peso limits.
Hi Covers Totals From 12 Through 18
Hi wins when the three dice total 12 through 18 inclusive. Its current published payout is 1.1:1, slightly higher than the 0.95:1 offered on Lo.
A result of 3, 4 and 5 totals 12 and therefore qualifies as Hi. At the upper end, 6, 6 and 6 totals 18 and also belongs to the Hi range, regardless of the fact that all three individual dice match.
A ₱100 winning Hi wager at 1.1:1 produces ₱110 in winnings plus the returned ₱100 stake. The payout difference between Hi and Lo is part of the published rules and should not be normalized into identical 1:1 figures.
This makes M Thai HiLo more specific than a generic High/Low dice table. The player is not choosing two mirror-image ranges with equal paytables; the game uses different ranges and different rewards around the isolated total of 11.
Eleven Is Its Own HiLo Bet
A total score of exactly 11 is neither Hi nor Lo. SA Gaming names this position 11 HiLo and pays it at 6:1.
Many three-dice combinations can create 11, including 1-4-6, 2-3-6, 2-4-5 and 3-3-5. The order of the physical dice does not change the fact that the combined total equals 11.
A ₱100 successful HiLo wager therefore produces ₱600 in winnings before the original stake is returned. That larger payout should not be interpreted as proof that the HiLo bet has a higher RTP than the broader Hi or Lo positions.
The basic lesson for this casino game online is that payout size and theoretical return describe different things. A specific total needs a less frequent result than a wide total range, so a larger payout can accompany a narrower winning condition without becoming mathematically superior.
Specific Number Bets Track How Often One Face Appears
Thai HiLo also allows wagers on one particular die face from 1 through 6. The payout then changes according to whether that selected number appears once, twice, or on all three dice.
SA Gaming’s current paytable uses 1:1 when the number appears once, 2:1 when it appears twice, and 5:1 when all three dice show the selected number. The bettor does not need to predict the exact positions of those appearances.
Suppose the selected number is 4. A result of 4-2-6 contains one 4 and receives the single-occurrence payout, while 4-4-1 contains two and moves to the 2:1 level.
A result of 4-4-4 contains three matching selected numbers and receives 5:1 under the Specific Number wager. That same physical result can also affect other independently placed bets, because one dice outcome can satisfy several conditions at once.
Specific Double Does Not Mean Two Identical Dice
The term Specific Double can be misleading if read like a pair wager. In SA Gaming’s Thai HiLo rules, it refers to predicting that the dice contain two specified numbers, such as 1 and 2 or 4 and 6.
The provider lists 15 Specific Double combinations and pays each at 5:1. A wager on 1·2 therefore needs at least one 1 and one 2 somewhere among the three settled dice.
For example, 1-2-5 qualifies for 1·2, and 2-6-1 also qualifies because the order of the three physical dice does not matter. A result such as 1-1-5 would not qualify because the required 2 never appeared.
This mechanic is another reason to use the provider’s exact terminology rather than importing standard Sic Bo definitions. The word “double” here describes a specified two-number combination, not necessarily a matched pair such as 3-3.
The 1-2-3 and 4-5-6 Bets Have Two Payout Levels
Two broader combination wagers cover the groups 1·2·3 and 4·5·6. Each one pays differently depending on whether the final dice include any two numbers from the group or all three.
For 1·2·3, a result containing any two of those numbers pays 1:1. An exact result containing 1, 2 and 3 together pays 5:1, with the order of the three dice irrelevant.
For example, 1-3-6 contains two numbers from the 1·2·3 set and receives the lower category payout. A result of 3-1-2 contains all three required values and qualifies for the higher 5:1 category.
The 4·5·6 position follows the same logic. A result such as 4-6-2 contains two qualifying numbers, while 6-5-4 includes the complete three-number set.
Lo Plus a Specific Number Creates Six Different Conditions
Thai HiLo becomes more distinctive when total-range conditions are combined with the appearance of one selected number. The Lo side includes 1 Lo, 2 Lo, 3 Lo, 4 Lo, 5 Lo and 6 Lo, each requiring a total from 3 through 10 plus at least one appearance of the named number.
The payouts rise as the combinations become more restrictive: 1 Lo pays 1.8:1, 2 Lo pays 2:1, 3 Lo pays 3:1, 4 Lo pays 4:1, 5 Lo pays 6:1, and 6 Lo pays 10:1. SA Gaming’s current rulebook therefore places the largest listed payout at 6 Lo.
A 6 Lo wager needs both conditions to be true. The total must remain within 3–10 and at least one die must show 6, so 1-2-6 totals 9 and qualifies while 4-5-6 totals 15 and does not.
This layered logic is particularly useful when explaining the game to someone moving from a simpler casino game online. The player is no longer predicting only a total or only an individual face; some wagers require the total range and a specific die value to succeed simultaneously.
Hi Plus a Specific Number Works on the Upper Range
The Hi side uses a similar structure, but the currently published options begin with 3 Hi rather than 1 Hi. SA Gaming lists 3 Hi at 6:1, 4 Hi at 4:1, 5 Hi at 3:1, and 6 Hi at 2:1.
Each wager requires the three dice to total 12 through 18 and include the named number at least once. For example, 3-4-6 totals 13 and satisfies 3 Hi, while 1-3-5 contains a 3 but totals only 9 and therefore fails the High condition.
The payout pattern runs in the opposite direction from the Lo-specific-number ladder. A lower specified High number such as 3 needs a less natural fit with the upper total range and therefore receives a larger listed payout than 6 Hi.
These wagers show why individual bet names need complete explanations. Merely listing “3 Hi” without defining both the 12–18 total condition and the required 3 would leave out half of the wager.
One Dice Result Can Settle Several Bets Differently
Thai HiLo allows multiple bets during the same betting period. Because the same three dice are used to settle every position, one final result can make several bets win while others lose.
Take the result:
1-2-6
The total is 9, so Lo wins. The Specific Number wagers for 1, 2 and 6 each contain one appearance, while Specific Double 1·2, 1·6 and 2·6 can also satisfy their respective combination conditions.
The same result also qualifies for 1 Lo, 2 Lo and 6 Lo because the total is within the Low range and each named face appears. Hi, 11 HiLo, and every High-specific-number wager lose.
This does not mean stacking many positions eliminates the house edge. Each additional chip increases total money wagered, so a round can contain several winning tickets while still producing a smaller overall return than the total amount staked.
Multiple Bets Increase Coverage and Turnover Together
Suppose a player puts ₱100 on Lo, ₱100 on 3 Lo, ₱100 on Specific Number 3, and ₱100 on the combination 1·2·3. The total round exposure is ₱400, not ₱100, even though every individual chip remains modest.
A result can activate more than one of those positions. It can also leave only one winner while the other three stakes lose, so the correct session calculation looks at all money committed rather than the biggest individual payout.
This is especially important in a casino game online with 36 available betting choices. A crowded betting layout makes it easy to focus on how many outcomes are covered while overlooking how quickly total turnover increases when several positions are selected every round.
The practical bankroll question is therefore not just “How much am I betting on Hi?” It is “How much have I placed across the entire table before the dealer starts the shaker?”
The Mechanical Shaker Determines the Three-Dice Outcome
Once betting closes, the dealer activates a mechanical shaker containing the three dice. SA Gaming’s rules state that the dealer waits until all dice have stopped, then inputs the individual values from 1 through 6 into the system.
There are also procedures for an invalid physical result. If dice overlap or do not lie flat, the dealer performs another shake, and a re-shake is also required when the dice tumble fewer than three times.
These procedures are operational safeguards rather than extra betting events. Existing confirmed wagers remain attached to the round while the valid outcome is being established under the published rules.
The process also makes Thai HiLo different from an RNG-only dice interface. The three visible physical dice generate the round result, while the software records and settles the corresponding wager conditions.
Starting an M Thai HiLo Round
Open the 789Bingo live casino section and locate M Thai HiLo. Check the active PHP limits before placing any wagers because operator-level minimums and maximums are not established by SA Gaming’s general public rulebook.
Choose whether you want to predict a broad total range, exactly 11, an individual number, a two-number combination, one of the 1·2·3 or 4·5·6 groups, or a High/Low condition tied to a specific die face. The table allows multiple positions, but every additional selection should be included in the total round budget.
Select the chip value and place the wager before the countdown expires. Once the betting period closes, the dealer starts the mechanical shaker and no new selection can be added to that round.
Watch the three dice settle, then read both the individual faces and their combined total. Those two pieces of information determine all 36 wager categories across the table.
Pro Tip: Decide your total round exposure before spreading chips across several conditions. Thai HiLo can produce overlapping wins, but covering more positions also increases turnover, and no combination of bets removes the mathematical house advantage.
M Thai HiLo Is Not the Same as Sic Bo
Both Thai HiLo and Sic Bo use three dice, so the games can look similar at first. The actual betting maps are different enough that their pages should not be treated as interchangeable.
Thai HiLo reserves total 11 as its own HiLo bet, defines Lo as 3–10 and Hi as 12–18, and combines total ranges with individual numbers through wagers such as 6 Lo and 3 Hi. Its Specific Double category also represents two specified different values rather than the conventional same-number double structure many Sic Bo players expect.
The 1·2·3 and 4·5·6 group wagers add another distinctive rule because partial two-number matches can receive one payout while the complete three-number combination receives another. Those mechanics create a betting identity that belongs specifically to Thai HiLo.
Anyone familiar with Sic Bo should therefore read the Thai HiLo labels literally instead of assuming a familiar name has the same definition. Three physical dice are the shared foundation, but the payout logic placed around them is different.
M and D Thai HiLo Should Not Be Given Invented Rules
Current casino lobbies list both M Thai HiLo and D Thai HiLo as SA Gaming products. The provider’s public website and rules documentation, though, publish one common Thai HiLo ruleset rather than separate mathematical specifications for M and D.
The common verified Thai HiLo rules remain the correct technical foundation. Any M-specific PHP limit or operational detail should come from the live 789Bingo table rather than from assumptions based on the prefix.
Managing a 36-Bet Dice Table Responsibly
The wide betting board can make a small individual chip feel less important than it is. Five ₱100 positions create ₱500 in turnover for the same dice shake, while ten such positions create ₱1,000 even though no single wager looks unusually large.
Set a maximum total amount per round rather than only a maximum chip size. That approach is particularly useful when playing, where multiple overlapping conditions can be selected before one physical outcome settles them all.
Do not increase a Hi wager because several Lo totals appeared in succession, and do not assume 11 has become due because it has not appeared recently. Previous dice outcomes do not force the next shake to compensate for a streak or absence.
Likewise, a 6 Lo bet that nearly qualified on the previous result has no unfinished progress carrying into the next round. Every confirmed wager is settled against that round’s three dice, and the following betting period starts a new prediction.
Use disposable entertainment funds, deposit caps, session limits, timeouts, and self-exclusion tools when needed. Gambling can be addictive; know when to stop.
Frequently Asked Questions
What is the RTP of M Thai HiLo?
SA Gaming publishes a maximum RTP of 97.50% for Thai HiLo. The provider presents that number as the maximum game return, so it should not be applied automatically to every one of the 36 available betting positions.
The exact theoretical return depends on the wager's probability and payout. A narrow 10:1 condition and a broad Hi or Lo range therefore should not be treated as mathematically identical simply because both appear on the same table.
What happens when the dice total exactly 11?
A total of exactly 11 belongs to the dedicated 11 HiLo wager and pays 6:1 under the current SA Gaming rules.
It does not count as either Lo, which covers 3–10, or Hi, which covers 12–18.
This central separation is one of the defining rules of the game. It also explains why Thai HiLo's main total layout should not be summarized as an ordinary two-way High-versus-Low bet.
What is the largest listed Thai HiLo payout?
The current SA Gaming rulebook lists 6 Lo at 10:1, requiring a total from 3 through 10 with at least one 6 among the three dice.
Other larger-looking combination categories in older or third-party descriptions should be checked against the active rulebook.
The 10:1 figure is a wager-specific payout, not a universal maximum-win multiplier for every possible way of playing M Thai HiLo. The total cash amount that can be returned also depends on the stake and any operator-level payout limits.
Play M Thai HiLo Casino Game Online at 789Bingo
M Thai HiLo has a simple physical foundation but a much broader betting structure than its three dice might suggest. Its defining sequence is place one or more predictions → shake three physical dice → calculate the individual faces and total → settle any qualifying total, number, and combination bets.
The unusual part is the way SA Gaming divides the result. Lo stops at 10, Hi begins at 12, 11 has its own 6:1 position, and specific-number conditions can be combined with total ranges for payouts reaching 10:1 in the current rules.
That makes M Thai HiLo a distinct live dice title rather than a renamed Sic Bo table. Players who enjoy comparing physical dice outcomes with other dealer-led formats can browse the broader 789Bingo live casino collection alongside Sic Bo, Craps, Bac Bo, and other live games.
For anyone choosing a casino game online, the most useful point is not simply that Thai HiLo offers 36 bets. The real value of understanding the table comes from knowing exactly what each condition requires, how several positions can overlap on one result, and how total round exposure grows when more than one wager is active.
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