1. | Please refer to the "Fees Schedules" for the interest rates |
2. | The minimum payment amount is HKD230 / CNY230 / USD29 (where applicable for HKD, CNY or USD account respectively) or the summation of item (i) to (iv) (whichever is higher): (i) total outstanding billed interest, fees and charges; (ii) any overdue minimum payment amount from previous monthly statement (where applicable); (iii) total of over-limit amount (where applicable) (excluding items (i) and (ii) above); and (iv)1% of the remaining principal balance (excluding items from (i) to (iii) above). |
3. | The calculation result is based on the assumption where there are no new transactions, fees and/or charges other than interest charges and the repayments are made timely on the last day of each statement cycle. |