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Credit Card Repayment Calculator

You may use the credit card repayment calculator to work out your total commitment by entering the credit card current outstanding balance and the applicable interest rate. The total repayment amount and related interest thereon will be calculated under either scenario (i) making minimum payment each month or (ii) paying off the statement balance in 36 months by a monthly fixed payment amount.
 

The below calculated repayment amount and interest payment are for indication only:

Monthly repayment amount Estimated time required to pay off the balance and interest generated Total repayment amount Total outstanding balance of credit card Total interest paid
Minimum payment months $ $ $
Fixed payment amount months $ $ $

Notes:

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.
Notes:Please refer to the "Fees Schedules" for the interest rates
Reminder: To borrow or not to borrow? Borrow only if you can repay!