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| Please use the Credit Card Balance Repayment Calculator below to calculate the repayment details of your credit card account. |
| Please input Balance Amount and Monthly Rate and then choose: |
| "Calculate by repaying with minimum payment each month" to calculate |
| (i) The period of time (number of months) and total cost (including principal and finance charges) involved in paying a balance in full by making only minimum payments |
| (ii) The monthly payment amount required and total cost (including principal and finance charges) involved to pay off the outstanding balance in 36 months |
| (iii) The cost saved for paying off the outstanding balance in 36 months |
| "Calculate by specifying a monthly payment amount" to calculate |
| (i) The period of time (number of months) required to pay off the outstanding balance by specifying a monthly payment amount |
| (ii) The total cost (including principal and finance charges) involved to pay off the outstanding balance by specifying a monthly payment amount |
| "Calculate by specifying a repayment period" to calculate |
| (i) The monthly payment amount required to pay off the outstanding balance in a specified repayment period |
| (ii) The total cost (including principal and finance charges) involved to pay off the outstanding balance in a specified repayment period |
| Assumptions: |
| (i) No unbilled installment, new transactions, annual fees and other charges |
| (ii) Repayments are made on or before the payment due date of each statement |
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Remarks:
| 1. | The above amount is HKD or HKD equivalent |
| 2. | Prevailing Monthly Rate is 2.67% (The APR for Retail Purchase and Cash Advance are 35.72% and 35.98% respectively). This is the basic interest rate when you open your account and it will be reviewed from time to time. For details, you may refer to Credit Card Key Facts Statement. |
| 3. | Assumptions of the above calculations: |
| (i) No unbilled installment, new transactions, annual fees and other charges | |
| (ii) Repayments are made on or before the payment due date of each statement | |
| 4. | Please click here to refer to the calculation method of minimum payment |
