JL111 House Edge by Live Dealer Table: A Step-by-Step Check of the Maths
Live dealer tables publish payouts, not a tidy edge figure for every bet. JL111 walks an experienced player through deriving the edge from the payout table, lines up the common live bets side by side, and converts each percentage into what an hour at the table costs.
Step 1: Pin down the exact bet and its payout
- Open the table's help or rules panel and note the payout for the bet you actually place.
- Look for side rules that change the maths: commission on Banker, how a Tie treats Dragon and Tiger bets, whether a zero triggers La Partage.
- Record the number of decks or wheel pockets, since every probability depends on them.
- Write the payout as profit per ₱1 staked, for example 0.95 for Banker with a 5% commission.
Step 2: Calculate expected value from the probabilities
House edge is the negative of expected value per peso wagered. Two checks you can do on paper:
- Sic Bo Big (totals 11 to 17, loses on triples): 105 winning combinations out of 216. EV = (105 × ₱1 − 111 × ₱1) ÷ 216 = −₱0.0278, an edge of 2.78%.
- Dragon Tiger with eight decks, where a Tie costs half the stake: a Tie turns up about 7.47% of the time and Dragon and Tiger share the rest at about 46.27% each. EV = 0.4627 − 0.4627 − (0.0747 × 0.5) = −0.0373, an edge of 3.73%.
Baccarat needs a long enumeration across eight decks and the third-card rules, so most players rely on the widely published results used in the next table.
Step 3: Compare edges across the live floor
| Table and bet | Payout | House edge |
|---|---|---|
| Baccarat Banker | 0.95 to 1 (5% commission) | 1.06% |
| Baccarat Player | 1 to 1 | 1.24% |
| No-commission baccarat Banker | 1 to 1, half on a Banker six | about 1.46% |
| French roulette, even money with La Partage | 1 to 1 | 1.35% |
| European roulette, standard bets | 35 to 1 down to 1 to 1 | 2.70% |
| Sic Bo Big or Small | 1 to 1 | 2.78% |
| Dragon Tiger, Dragon or Tiger | 1 to 1, half lost on a Tie | 3.73% |
| American roulette, most bets | 35 to 1 down to 1 to 1 | 5.26% |
| Baccarat Tie | 8 to 1 | 14.36% |
These are standard-rule figures. Studios and operators can change payouts, deck counts or commissions, so if the help screen shows different numbers, rerun Step 2 with them.
Step 4: Convert the edge into pesos per hour
Cost per hour = stake × rounds per hour × edge. Dealing pace varies by studio and table type, so the round counts below are assumptions to swap for your own tally.
| Table and bet | Stake | Rounds per hour (assumed) | Average cost per hour |
|---|---|---|---|
| Baccarat Banker | ₱100 | 60 | ₱100 × 60 × 1.06% = ₱63.60 |
| Speed baccarat Banker | ₱100 | 100 | ₱106 |
| European roulette, red | ₱100 | 40 | ₱108 |
| Dragon Tiger | ₱100 | 90 | ₱335.70 |
| Baccarat Tie | ₱100 | 60 | ₱861.60 |
A fast table with a low edge can cost more per hour than a slower one with a slightly higher edge, so pace matters almost as much as the percentage.
Step 5: Recheck when a payout changes, using the Tie
Some tables advertise a better Tie payout. With eight decks a Tie lands about 9.516% of the time, so the maths is quick to redo.
| Tie payout | Win part (0.09516 × payout) | Lose part (0.90484 × ₱1) | House edge |
|---|---|---|---|
| 8 to 1 | 0.76128 | 0.90484 | about 14.36% |
| 9 to 1 | 0.85644 | 0.90484 | about 4.84% |
One extra unit of payout cuts the edge by roughly two-thirds, yet 4.84% is still well above Banker or Player. The same method fits any altered payout: chance of winning × payout, minus chance of losing.
Step 6: Use the number without over-reading it
- Edge is a long-run average; any single session can finish well above or below it.
- Roadmaps and result boards record past rounds and do not predict the next card, spin or roll.
- No-commission and bonus-payout variants shift the edge around rather than removing it.
- Choose the lowest-edge bet you enjoy, set an hourly peso budget from Step 4, and leave when it is spent.
Frequently Asked Questions
Which live dealer bet has the lowest house edge?
Under standard rules, Baccarat Banker at about 1.06% and French roulette even-money bets with La Partage at 1.35% are among the lowest on a typical live floor.
Why is commission charged on Banker?
Baccarat's drawing rules make Banker win slightly more often than Player. The 5% commission offsets that, leaving an edge of about 1.06%.
Is the Tie bet ever worth it?
At the usual 8 to 1 payout it carries an edge near 14.36%, far above the main bets. Some tables pay more, which lowers it, so read the rules panel.
Does a smaller edge mean I will win?
No. It means losses build more slowly on average. Short sessions are dominated by variance, and no betting system overcomes the edge.
Why don't my results match the cost-per-hour table?
The table shows long-run averages at assumed dealing speeds. Real pace and outcomes differ from one session to the next.
Does JL111 run live tables?
No. JL111 is an independent guide for players 21 and over. Live tables are run by PAGCOR-licensed operators, whose rules and limits vary.
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