X0202 SCHEDULE 13D/A 0001844293 XXXXXXXX LIVE 4 Ordinary Shares, par value $0.00001 per share 08/20/2026 false 0001816007 G5700Y209 Lufax Holding Ltd

Building No. 6, Lane 2777 Jinxiu East Road, Pudong New District Shanghai F4 201206

Yanmei Dong 86 0755 2262 7970 23/F, Two International Finance Centre 8 Finance Street, Central Hong Kong F4 000000 0001844293 N An Ke Technology Company Limited WC OO N K3 967011824 967011824 967011824 N 44.9 CO The number of shares beneficially owned as reported in Rows (7), (9) and (11) includes 202,117,241 Ordinary Shares of Lufax convertible from the Notes, as defined in Item 6 below. The percent of class represented by amount as reported in Row (13) is calculated based on 2,154,455,370 Ordinary Shares of Lufax, including (i) 421,077,586 Ordinary Shares of Lufax convertible from the Notes, as defined in Item 6 below, and (ii) 1,733,377,784 issued and outstanding Ordinary Shares of Lufax as of July 31, 2026, as reported by Lufax on a current report on Form 6-K furnished with the Securities and Exchange Committee (the "Commission") on August 5, 2026 (the "Form 6-K"). Y China Ping An Insurance Overseas (Holdings) Limited WC OO N K3 612756250 612756250 612756250 N 28.4 CO The number of shares beneficially owned as reported in Rows (7), (9) and (11) includes 218,960,345 Ordinary Shares of Lufax convertible from the Notes, as defined in Item 6 below. The percent of class represented by amount reported in Row (13) is calculated based on 2,154,455,370 Ordinary Shares of Lufax, including (i) 421,077,586 Ordinary Shares of Lufax convertible from the Notes, as defined in Item 6 below, and (ii) 1,733,377,784 issued and outstanding Ordinary Shares of Lufax as of July 31, 2026, as reported by Lufax in the Form 6-K. Y Ping An Insurance (Group) Company of China, Ltd. WC OO N F4 1579768074 1579768074 1579768074 N 73.3 HC CO The number of shares beneficially owned as reported in Rows (7), (9) and (11) includes 421,077,586 Ordinary Shares of Lufax convertible from the Notes, as defined in Item 6 below. The percent of class represented by amount reported in Row (13) is calculated based on 2,154,455,370 Ordinary Shares of Lufax, including (i) 421,077,586 Ordinary Shares of Lufax convertible from the Notes, as defined in Item 6 below, and (ii) 1,733,377,784 issued and outstanding Ordinary Shares of Lufax as of July 31, 2026, as reported by Lufax in the Form 6-K. Ordinary Shares, par value $0.00001 per share Lufax Holding Ltd Building No. 6, Lane 2777 Jinxiu East Road, Pudong New District Shanghai F4 201206 An Ke Technology Company Limited ("An Ke"), China Ping An Insurance Overseas (Holdings) Limited ("PAOH"), and Ping An Insurance (Group) Company of China, Ltd. ("Ping An," together with An Ke and PAOH, the "Reporting Persons" and each, a "Reporting Person") are the beneficial owners of ordinary shares, par value US$0.00001 per share (the "Ordinary Shares"), of Lufax Holding Ltd, a Cayman Islands company ("Lufax"). All references to Ordinary Shares herein include the Ordinary Shares underlying the American depositary shares ("ADSs") of Lufax. The following constitutes Amendment No. 4 to the Schedule 13D of the Reporting Persons, as originally filed with the Commission on August 13, 2024 and amended by the amendments thereto filed on September 4, 2024, December 9, 2024 and March 20, 2026 (the "Schedule 13D"). The Schedule 13D is hereby amended and supplemented by this Amendment No. 4 to Schedule 13D (this "Amendment"). Capitalized terms used herein and not otherwise defined have the meanings assigned to such terms in the Schedule 13D. Rows (11) and (13) of the cover pages of this Amendment are hereby incorporated by reference into this Item 5(a). Rows (7) to (10) of the cover pages of this Amendment are hereby incorporated by reference into this Item 5(b). Except as disclosed in the Schedule 13D and this Amendment, none of the Reporting Persons or, to their knowledge, any of the persons listed in Schedules A-1, A-2 or A-3 of the Schedule 13D, has effected any transactions relating to the Ordinary Shares during the past 60 days. To the knowledge of the Reporting Persons, no person other than the Reporting Persons has the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, the securities beneficially owned by the Reporting Persons identified in this Item 5. Not applicable. The information set forth and/or incorporated by reference in Items 1, 2, 3, 4 and 5 of this Schedule 13D is hereby incorporated by reference into this Item 6. The section "Ping An Convertible Promissory Notes" in Item 6 of Schedule 13D is hereby supplemented and updated to read as follows: In 2015, Lufax issued to PAOH convertible promissory notes in an aggregate principal amount of US$1,953.8 million, of which notes the outstanding principal amount of US$937.8 million were subsequently transferred to An Ke. Following such transfer, notes with an outstanding principal amount of US$1,016.0 million remained held by PAOH. In 2022, an amendment and supplemental agreement was entered to amend the terms of such convertible promissory notes held by An Ke and PAOH together, pursuant to which (i) 50% of then outstanding principal amount (US$976.9 million) was redeemed, and (ii) the commencement date of the conversion period for the remaining 50% principal amount (US$976.9 million) of such convertible promissory notes respectively held by PAOH and An Ke (the "Notes") was extended to April 30, 2026, and the maturity date was extended to October 8, 2026. Lufax, An Ke and PAOH entered into another amendment and supplemental agreement dated August 20, 2026, with respect to the Notes (the "Amendment Agreement"), pursuant to which (i) with respect to the Notes held by An Ke, (a) the outstanding principal amount thereof shall be redeemed on October 8, 2026, with the redemption price, consisting of the outstanding principal amount thereof plus any unpaid interest accured, payable in two tranches; and (b) following the redemption, the Notes held by An Ke shall be cancelled; and (ii) with respect to the Notes held by PAOH, effective from October 8, 2026 and subject to the satisfaction of certain closing conditions set forth in the Amendment Agreement, (a) the maturity date will be extended to October 8, 2027 (the "Maturity Date"), and (b) the conversion period will be amended to commence on April 30, 2027 and end on the date which is five business days prior to (and excluding) the Maturity Date. Lufax agreed to pay US$29,377,672.86 to PAOH as consideration for such extension. For additional details on the Notes, see "Item 6E. Share Ownership" in Lufax's annual report on Form 20-F for the fiscal year ended December 31, 2025 filed with the Commission on April 30, 2026. EXHIBIT NUMBER DESCRIPTION 99.1(2) Joint Filing Agreement, dated September 4, 2024, among the Reporting Persons 99.2(1) Scrip Dividend Scheme (incorporated by reference to Exhibit 99.1 to the Form 6-K furnished by Lufax Holding Ltd on June 12, 2024) 99.3(1) Amended and Restated Option Agreement, dated November 27, 2015, among Mr. Jingkui Shi, Mr.Xuelian Yang, An Ke Technology Company Limited and Lanbang Investment Company Limited 99.4(1) Option Agreement, dated November 27, 2015, among Lanbang Investment Company Limited, An Ke Technology Company Limited and Tun Kung Company Limited 99.5(1) Option Agreement, dated November 28, 2014, among Mr. Jingkui Shi, Mr. Xuelian Yang, Shenzhen Ping An Financial Technology Consulting Co. Ltd. and Shanghai Lanbang Investment Limited Liability Company 99.6(3) Tri-Parte Agreement, dated December 5, 2024, by and among Lanbang Investment Company Limited, An Ke Technology Company Limited and Tun Kung Company Limited (1) Filed as an exhibit to the Schedule 13D filed on August 13, 2024. (2) Filed as an exhibit to the Amendment No. 1 to Schedule 13D filed on September 4, 2024. (3) Filed as an exhibit to the Amendment No. 2 to Schedule 13D filed on December 9, 2024. Schedules A-1, A-2 and A-3 of the Schedule 13D is hereby amended and restated to read as follows: SCHEDULE A-1 DIRECTORS AND EXECUTIVE OFFICERS OF AN KE TECHNOLOGY COMPANY LIMITED The following sets forth the name and principal occupation of each of the directors and executive officers of An Ke Technology Company Limited. Each of the following persons is a citizen of the People's Republic of China, except that Cheung, Siu Man is a citizen of the Hong Kong Special Administrative Region of the People's Republic of China ("Hong Kong"). Unless otherwise noted, the business address of each of the following persons is c/o Suite 2353, 23rd Floor, Two International Finance Centre, 8 Finance Street, Central, Hong Kong. Name Principal Occupation Cheung, Siu Man Director Gao, Song Director SCHEDULE A-2 DIRECTORS AND EXECUTIVE OFFICERS OF CHINA PING AN INSURANCE OVERSEAS (HOLDINGS) LIMITED The following sets forth the name and principal occupation of each of the directors and executive officers of China Ping An Insurance Overseas (Holdings) Limited. Each of the following persons is a citizen of the People's Republic of China, except that Tung, Hoi is a citizen of Hong Kong. Unless otherwise noted, the business address of each of the following persons is c/o Suite 2318, 23rd Floor, Two International Finance Centre, 8 Finance Street, Central, Hong Kong. Name Principal Occupation Cheng, Jianxin Director Guo, Shibang Director Tung, Hoi Director Fu, Xin Director SCHEDULE A-3 DIRECTORS AND EXECUTIVE OFFICERS OF PING AN INSURANCE (GROUP) COMPANY OF CHINA, LTD. The following sets forth the name and principal occupation of each of the directors and executive officers of Ping An Insurance (Group) Company of China, Ltd. Each of the following persons is a citizen of the People's Republic of China, except that (i) Guo, Michael is a citizen of Australia, (ii) Chearavanont, Soopakij is a citizen of Thailand, (iii) Yang, Xiaoping, Ng, Kong Ping Albert and Chan, Hiu Fung Nicholas are citizens of Hong Kong. Unless otherwise noted, the business address of each of the following persons is c/o 47th, 48th, 108th, 109th, 110th, 111th and 112th Floors, Ping An Finance Center, No. 5033 Yitian Road, Futian District, Shenzhen, Guangdong Province, China. Name Principal Occupation Ma, Mingzhe Chairman of the Board of Directors, Executive Director Xie, Yonglin Executive Director, President and Co-Chief Executive Officer Guo, Michael Executive Director, Co- Chief Executive Officer and Senior Vice President Fu, Xin Executive Director, Senior Vice President and Chief Financial Officer Chearavanont, Soopakij Non-executive Director Yang, Xiaoping Non-executive Director He, Jianfeng Non-executive Director Cai, Xun Non-executive Director Ng, Kong Ping Albert Independent Non-executive Director Jin, Li Independent Non-executive Director Wang, Guangqian Independent Non-executive Director Hong, Xiaoyuan Independent Non-executive Director Song, Xianzhong Independent Non-executive Director Chan, Hiu Fung Nicholas Independent Non-executive Director Cai, Fangfang Senior Vice President Huang, Baoxin Senior Vice President Sheng, Ruisheng Board Secretary and Company Secretary Guo, Shibang Assistant President and Chief Risk Officer Zhang, Zhichun Assistant President and Person-in-charge of Auditing Xu, Jing Chief Compliance Officer An Ke Technology Company Limited /s/ Gao Song 08/28/2026 China Ping An Insurance Overseas (Holdings) Limited /s/ Tung Hoi 08/28/2026 Ping An Insurance (Group) Company of China, Ltd. /s/ Xie Yonglin 08/28/2026