Minimum Payment
The sum of item (i) to (iii) below : (i) all interest, fees and charges including annual fees; (ii) amount exceeding the prescribed credit limit; (iii) 1% of the New Balance after deducting the amount of item (i) to (iii) or minimum HK$50/RMB¥50 (whichever is higher)
Late payment charge
5% of Minimum Payment Amount or minimum HK$180; maximum HK$250 (whichever is higher)