Minimum Payment
All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus (if any) any overlimit amount and past due amount. (the minimum amount of Minimum Payment is HKD200/RMB200)
Late payment charge
5% of Minimum Payment due, subject to the minimum charge and the maximum charge listed below:
Minimum Charge HK$200 or equivalent to the Minimum Payment amount (whichever is lower)
Maximum Charge HK$250