Ready Credit Minimum Payment Calculator

Assists you to understand your repayment ability.

The following "Calculate by Repayment Amount" is to calculate (i) the period of time required to pay off an outstanding balance if only the minimum payment is made every month, or (ii) paying off the statement balance in 36 months by a monthly fixed payment amount.

Calculate By Repayment Amount

Outstanding Balance (HKD)
Annual Interest Rate (%)
The Total outstanding balance you provided is invalid. Please input the amount is less than $10,000,000 The Annual Interest Rate you provided is invalid. The Annual Interest Rate should be less than 48%

	Monthly repayment amount
	Minimum payment	Fixed payment amount $
Estimated time required to pay off the balance		36 months
Total repayment amount
Total outstanding balance
Total interest paid

Notes:

Assume repayment is made on or before the payment due date of each statement month.
Assume there is no new transaction, annual fees, and other fees.
The minimum repayment calculator and derived results are reference only.
Please refer to the "Key Facts Statement and Fees Schedule" for the finance charge.
An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.