--- description: Discover how Stake Hilo works, including the rules, RTP, payouts, and useful strategy tips for this simple but fast-paced card game. title: How to Play Stake Hilo: Rules, Strategy and Payouts image: https://cdn.oddspedia.com/images/betting/2026/05/Stake-HiLo-phone.webp --- Stake Hilo is one of the simpler Stake Originals on the surface, but that is exactly what makes it so easy to get drawn into. The concept is straightforward: predict whether the next card will be higher or lower than the current one, and keep building your multiplier for as long as your streak lasts. Hilo is a provably fair card game with a 99% RTP, a 1% house edge, and visible probability calculations shown before each decision. That simplicity is the main appeal. There are no complicated bonus rounds or mechanics to learn. Every decision comes down to whether you want to take the current payout, or keep the streak going. ## Stake Hilo summary | Game title | Hilo | | ---------------------- | -------------- | | Game type | Cards | | Developer | Stake Original | | Minimum stake | $0.01 | | Maximum stake | N/A | | Return to player (RTP) | 99% | | House edge | 1% | ## Stake Hilo promos While there is no Hilo-specific promotion, new players can make use of Stake’s welcome offer. By signing up and entering the [Stake referral code](https://oddspedia.com/bookmakers/stake-com/bonus) **ODDSMAX**, you can unlock a **200% deposit match bonus**. That gives you more money to explore a wide range of Stake casino games, including Hilo. Claiming the offer is easy. Just create your account, enter the **ODDSMAX** promo code during registration, and make your first deposit to receive your bonus funds. If you already have a Stake account, there are plenty of ongoing promotions to check out. Existing players can find offers such as [Weekly Raffles](https://oddspedia.com/insights/betting/stake-weekly-raffle-explained) and [Daily Races](https://oddspedia.com/insights/betting/stake-daily-races-explained), alongside regular [betting offers](https://oddspedia.com/bookmakers/betting-offers). These bonuses help keep Stake one of the [best betting sites](https://oddspedia.com/bookmakers) for both new and returning players. | **[Stake promo code Canada](https://oddspedia.com/ca/sportsbooks/stake-com/bonus)** | **[Stake bonus code India](https://oddspedia.com/bookmakers/stake-com/bonus/india)** | **[Stake promo code Kenya](https://oddspedia.com/bookmakers/stake-com/bonus/kenya)** | | ------------------------------------------------------------------------------------------------ | ---------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------ | | **[Stake promo code New Zealand](https://oddspedia.com/bookmakers/stake-com/bonus/new-zealand)** | **[Stake promo code Nigeria](https://oddspedia.com/bookmakers/stake-com/bonus/nigeria)** | | ### Other Stake promotions Returning players can enjoy a variety of [free bet offers](https://oddspedia.com/free-bets) and much more. Here are some of the other rewards available at Stake. | [Stake bonus drop codes](https://oddspedia.com/insights/betting/stake-bonus-drop-codes) | [Stake Shield](https://oddspedia.com/insights/betting/stake-shield-explained) | [Stake VIP club](https://oddspedia.com/insights/betting/how-stake-vip-club-works) | | --------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------- | | [Stake early payout bonuses](https://oddspedia.com/insights/betting/stake-early-payout-bonuses-explained) | [Stake bet insurance promos](https://oddspedia.com/insights/betting/stake-bet-insurance-promos) | [Stake rakeback](https://oddspedia.com/insights/betting/what-is-rakeback-on-stake-get-paid-to-play) | | [Stake IPL Weekly SGM Prize Pool](https://oddspedia.com/insights/betting/stake-ipl-weekly-sgm-prize-pool) | [Stake IPL Super Over Payout](https://oddspedia.com/insights/betting/stake-ipl-super-over-payout) | [Stake IPL First Ball Payout](https://oddspedia.com/insights/betting/stake-ipl-first-ball-payout) | ## Stake Hilo rules The rules in Hilo are very easy to understand. You place a bet, look at the current card, and predict whether the next card dealt will be higher or lower. If your prediction is correct, the next card is revealed, your multiplier increases, and you can either cash out or continue. If your prediction is wrong, the round ends and your bet is lost. For every card except Ace or King, if the same card is drawn again, selecting either higher or lower counts as a winning result. That slightly softens the risk on middle cards and is worth remembering if you are new to the game. Another useful feature is that probability calculations are shown before each choice, letting you see how likely the next card is to be high or low. If you do not like the odds, you can skip the next card instead of making a prediction. ## How to play Stake Hilo Here is a step-by-step breakdown of how to play Stake Hilo. ### 1\. Choose your bet amount Start by selecting how much you want to wager on the round. ### 2\. Look at the start card and predict higher or lower ![](/placeholder.svg) Once the round begins, you will see the starting card on the board. Your next decision is based entirely on that card’s value. Choose whether you think the next card will be higher or lower than the current one. You can also skip the card if you don’t like the odds or have a good gut feeling about it. There is no penalty for skipping. ![](/placeholder.svg) ### 3\. Cash out or continue ![](/placeholder.svg) After every successful prediction, you can either cash out your winnings to that point, or try to extend the streak to chase a bigger pay day. If you leave it too late and get one prediction wrong, you lose everything. ![](/placeholder.svg) ## Stake Hilo strategy and tips Hilo is still a game of chance, so there is no system that guarantees long-term profit. The game uses provably fair technology and a random number generator (RNG), so outcomes are not predictable in a way that gives players a reliable edge. That said, there are still a few sensible ways to approach Stake Hilo: ### Pay attention to the probability display One of the most useful features in Hilo is that Stake shows the probability calculations before each decision. That means you are not guessing blind. If the current card creates a very uneven setup, you can make a more informed choice rather than relying purely on instinct. ### Use skips There is no need to force action on every card. If you are staring at a spot where the value looks awkward, skipping can be the more disciplined move. ### Do not overextend good streaks This is probably the biggest trap in Hilo. Once you hit a few correct predictions in a row, it becomes very tempting to keep going. In practice, many players will do better by deciding in advance where they are comfortable cashing out instead of pushing every streak too far. ### Be realistic about middle cards Cards around the middle of the deck can create more balanced odds, while very high or very low cards can sometimes offer cleaner decisions. Since Stake gives you the probability information directly, it makes sense to use that rather than playing every situation the same way. ## Stake Hilo payouts and multipliers Hilo pays according to the multiplier you have built when you choose to cash out. Every accurate prediction increases the multiplier, and your payout depends entirely on the point at which you decide to stop. If you continue and get the next prediction wrong, the multiplier is lost. Stake lists Hilo with a theoretical 99% RTP and a 1% house edge, which places it among the higher-RTP Stake Originals. The trade-off is that your final return depends on your own decisions as well as the sequence of cards dealt, which is why cashout timing matters so much in this game. ## Stake Hilo pros and cons Pros 1. Probability calculations shown before each decision 2. Skip feature adds control 3. Very easy to learn Cons 1. One wrong prediction wipes the entire run 2. Simple format may feel repetitive for some players ## My experience with Stake Hilo Hilo works because it does not try to do too much. It is one of those games where the rules take about 10 seconds to understand, but the pressure builds quickly once you have a streak going. The multiplier keeps climbing, the next decision looks manageable, and suddenly a very simple game feels surprisingly tense. What stands out most is the balance between simplicity and control. The visible probability calculations and skip option mean you have a bit more input than you do in some other straightforward casino games, even though the outcome is still based on chance. If you like quick decision-making and games where cashing out at the right time matters, Hilo is one of the cleanest Stake Originals to try. ## More recommended Stake Casino games We’ve prepared guides to all the [best Stake games](https://oddspedia.com/insights/betting/best-stake-casino-games), including: We’ve prepared guides to all the [best Stake games](https://oddspedia.com/insights/betting/best-stake-casino-games), including: * [Stake Plinko](https://oddspedia.com/insights/betting/how-to-play-stake-plinko) * [Stake Keno](https://oddspedia.com/insights/betting/how-to-play-keno-on-stake) * [Stake Dragon Tower](https://oddspedia.com/insights/betting/how-to-play-stake-dragon-tower) * [Stake Pump](https://oddspedia.com/insights/betting/how-to-play-stake-pump) * [Stake Mines](https://oddspedia.com/insights/betting/how-to-play-stake-mines) * [Stake Darts](https://oddspedia.com/insights/betting/how-to-play-stake-darts) * [Stake Limbo](https://oddspedia.com/insights/betting/how-to-play-limbo-on-stake) * [Stake Dice](https://oddspedia.com/insights/betting/how-to-play-dice-on-stake) * [Stake Snakes](https://oddspedia.com/insights/betting/how-to-play-stake-snakes) * [Stake Chicken](https://oddspedia.com/insights/betting/how-to-play-stake-chicken) * [Stake Moles](https://oddspedia.com/insights/betting/how-to-play-stake-moles) * [Stake Crash](https://oddspedia.com/insights/betting/how-to-play-stake-crash) Related Tags: * [#Education ](/insights/tags/education) * [#Stake ](/insights/tags/stake) Don't forget to share with friends * [![Facebook Icon](/placeholder.svg)](https://www.facebook.com/oddspediaglobal) * [![X Icon](/placeholder.svg)](https://x.com/oddspedia) * [![Instagram Icon](/placeholder.svg)](https://www.instagram.com/oddspediaglobal) * [![Telegram Icon](/placeholder.svg)](https://t.me/oddspedia) ![Sam Bentham](/placeholder.svg) Sam Bentham ![Sam Bentham](/placeholder.svg) Sports Betting Expert Sam brings years of hands-on journalism experience, as well as a passion for sports and sports betting, to his role as a Sports Betting Expert at Oddspedia. Sam began his sports and journalism career straight out of university, saying his motto in life is to do what he loves, and write home about it. His career in the betting world is a mix of personal interest, professional curiosity, and a constant pursuit of the next adrenaline rush. As a diehard fan of the Minnesota Vikings when it comes to football, and Manchester United in soccer, Sam doesn’t just write about his teams, he backs them up with bets (mostly same-game parlays, which he says get him involved in all aspects of the game, not just one part). Sam’s deep understanding of both the technical and strategic sides of sports betting is reflected in his writing. Whether he’s analyzing betting markets, dissecting odds, or offering his take on upcoming games, Sam combines insider knowledge with a fan’s perspective. As an expert bettor and passionate fan of teams on both sides of the Atlantic, Sam brings his hands-on experience and knowledge to Oddspedia, playing a key role in content development, fact-checking, and ensuring that all information is clear, accurate, and useful for bettors around the world. [Learn more about me ](/experts/sam-bentham "Sam Bentham") ### Related Articles [![Stake Live Streaming Guide: How to Watch Live Sports for Free](/placeholder.svg) ](/insights/betting/stake-live-streaming-guide) [Stake Live Streaming Guide: How to Watch Live Sports for Free ](/insights/betting/stake-live-streaming-guide) Learn how to watch live sports on Stake, access eligible live streams, and follow in-play odds, markets, and scores as the action unfolds. 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Customise Accept All ) ( ( ( ( ( ( ( /( )\ ) )\ ) )\ ) )\ ) )\ ) )\ ) ( )\()) (()/( (()/( (()/( (()/( ( (()/( (()/( )\ ((_)\ /(_)) /(_)) /(_)) /(_)) )\ /(_)) /(_)) ((((_)( ((_) (_))_ (_))_ (_)) (_)) ((_) (_))_ (_)) )\ _ )\ / _ \ | \ | \ / __| | _ \ | __| | \ |_ _| (_)_\(_) | (_) | | |) | | |) | \__ \ | _/ | _| | |) | | | / _ \ \___/ |___/ |___/ |___/ |_| |___| |___/ |___| /_/ \_\ ```json {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://oddspedia.com/insights","name":"Insights"}},{"@type":"ListItem","position":2,"item":{"@id":"https://oddspedia.com/insights/betting","name":"Betting"}},{"@type":"ListItem","position":3,"item":{"@id":"https://oddspedia.com/insights/betting/how-to-play-stake-hilo","name":"How to Play Stake Hilo: Rules, Strategy and Payouts"}}]} {"@context":"http://schema.org","@type":"Article","url":"https://oddspedia.com/insights/betting/how-to-play-stake-hilo","dateCreated":"2026-05-13T13:02:17+00:00","datePublished":"2026-05-13T13:02:17+00:00","dateModified":"2026-05-13T13:05:34+00:00","articleSection":"Betting","mainEntityOfPage":{"@type":"WebPage","name":"How to Play Stake Hilo: Rules, Strategy and Payouts","@id":"https://oddspedia.com/insights/betting/how-to-play-stake-hilo"},"headline":"How to Play Stake Hilo: Rules, Strategy and Payouts","description":"Discover how Stake Hilo works, including the rules, RTP, payouts, and useful strategy tips for this simple but fast-paced card game.","image":[{"@type":"ImageObject","url":"https://cdn.oddspedia.com/images/betting/2026/05/Stake-HiLo-phone.webp","width":1000,"height":565}],"author":{"@context":"http://schema.org","@type":"Person","name":"Sam Bentham","gender":"Male","url":"https://oddspedia.com/experts/sam-bentham","jobTitle":"Sports Betting Expert","image":"https://cdn.oddspedia.com/images/betting/2025/08/sam2-1.jpg","affiliation":{"@type":"Organization","name":"Oddspedia"},"description":"<p>Sam brings years of hands-on journalism experience, as well as a passion for sports and sports betting, to his role as a Sports Betting Expert at Oddspedia. Sam began his sports and journalism career straight out of university, saying his motto in life is to do what he loves, and write home about it.<br />\nHis career in the betting world is a mix of personal interest, professional curiosity, and a constant pursuit of the next adrenaline rush. As a diehard fan of the Minnesota Vikings when it comes to football, and Manchester United in soccer, Sam doesn’t just write about his teams, he backs them up with bets (mostly same-game parlays, which he says get him involved in all aspects of the game, not just one part).<br />\nSam’s deep understanding of both the technical and strategic sides of sports betting is reflected in his writing. Whether he’s analyzing betting markets, dissecting odds, or offering his take on upcoming games, Sam combines insider knowledge with a fan’s perspective.<br />\nAs an expert bettor and passionate fan of teams on both sides of the Atlantic, Sam brings his hands-on experience and knowledge to Oddspedia, playing a key role in content development, fact-checking, and ensuring that all information is clear, accurate, and useful for bettors around the world.</p>\n","memberOf":[{"@type":"Organization","name":"Oddspedia","brand":"Oddspedia","sameAs":["https://x.com/oddspedia","https://www.linkedin.com/company/oddspedia","https://www.facebook.com/oddspediaglobal","https://www.instagram.com/oddspediaglobal","https://www.youtube.com/oddspedia/videos","https://t.me/oddspedia","https://discord.gg/Thp44bSCxN"]}],"sameAs":[]},"publisher":{"@type":"Organization","name":"Oddspedia","sameAs":["https://oddspedia.com","https://www.facebook.com/oddspediaglobal","https://www.instagram.com/oddspediaglobal","https://x.com/oddspedia","https://www.youtube.com/oddspedia/videos"],"logo":{"@type":"ImageObject","url":"https://cdn.oddspedia.com/images/static/brand-logos/logo-light.svg","width":164,"height":18}},"inLanguage":"en"} ```