Minimum Payment
If the Monthly Statement Balance is HK$200 or above, the minimum payment will be the total amount of bank service fees and financial charges plus 1% of total outstanding balance of transactions or HK$200 (whichever is higher); or if the Monthly Statement Balance is less than HK$200, the minimum payment will be the Monthly Statement Balance.
Late payment charge
HK$280 or an amount equivalent to the minimum payment stated on the monthly statement (whichever is lower)