Credit Card Minimum Payment Calculator
From balance, minimum-payment percentage, APR and floor, compute the required minimum payment (two common methods).
輸入資料
計算結果
重點速覽：Two common HK methods: (1) Percentage only = balance x minPct, not below a flat floor (e.g. HK$50); (2) Percentage + interest + fees = balance x minPct + current interest (balance x APR/12) + fees. Example: 50,000 at 2% min, APR 30% → interest 1,250; method (2) = 1,000 + 1,250 = 2,250, of which only ~1,000 repays principal. Method (2) usually higher. WARNING: actual method/floor/fees follow issuer terms; paying only minimum traps you in long debt. Education, not advice.
計算公式
當期利息 = 帳單結欠 × APR ÷ 12。
方法一 (單純百分比)：最低還款 = max(結欠 × 百分比%, 定額下限)。
方法二 (百分比 + 利息 + 費用)：最低還款 = 結欠 × 百分比% + 當期利息 + 其他費用，並不低於定額下限。
$$當期利息：$I = Balance\times\dfrac{APR\%}{12}$$$$$方法一：$Min = \max(Balance\times pct\%,\ Floor)$$$$$方法二：$Min = \max(Balance\times pct\% + I + Fees,\ Floor)$$$使用說明
- Enter the balance, minimum-payment %, APR and floor.
- Optionally enter a fee for the percentage+interest+fees method.
- View the minimum payment, current interest and principal repaid.
不同情境下的每月最低還款與當期利息
| 結欠 (HK$) | 百分比 | APR | 計法 | 最低還款 (HK$) | 當期利息 (HK$) |
|---|---|---|---|---|---|
| 1,000 | 1% | 24% | 百分比+利息+費(30) | 60 | 20 |
| 1,000 | 1% | 24% | 百分比+利息 | 50 (觸及下限) | 20 |
| 1,000 | 1% | 24% | 單純百分比 | 50 (觸及下限) | 20 |
| 50,000 | 2% | 30% | 百分比+利息 | 2,250 | 1,250 |
理財情境案例
案例一：兩種計法下的最低還款
結欠 HK$1,000、最低還款百分比 1%、APR 24%、定額下限 HK$50。當期利息 = 1,000 × 24% ÷ 12 = HK$20。
方法二 (百分比 + 利息 + 逾期費 HK$30) = 1,000 × 1% + 20 + 30 = 10 + 20 + 30 = HK$60。方法一 (單純百分比) = 1,000 × 1% = HK$10，因低於定額下限 HK$50，故採用 HK$50。
解讀：同一筆結欠，方法二算出 HK$60、方法一算出 HK$50，取決於發卡機構採用哪種計法與是否有費用。可見『百分比 + 利息 + 費用』的還款額通常較高，因為額外加計了當期利息與費用。
案例二：只還最低還款，利息吞掉大半
結欠 HK$50,000、最低還款百分比 2%、APR 30%,以『百分比 + 利息』計。當期利息 = 50,000 × 30% ÷ 12 = HK$1,250；最低還款 = 50,000 × 2% + 1,250 = 1,000 + 1,250 = HK$2,250。
在這 HK$2,250 的最低還款中，竟有 HK$1,250 是純利息，真正拿去償還本金的只有約 HK$1,000。
解讀：當結欠大、利率高時，只還最低還款額，其中一大半只夠付利息，本金幾乎原地踏步——債務會拖很久且利息不斷累積，總成本遠高於盡快清還。最低還款只應作為短期應急，長遠務必盡量多還甚至全數清還。實際計法、百分比、下限與費用以發卡機構條款為準。
常見問題
What are the two common minimum-payment methods in Hong Kong?
Method (1) Percentage only: balance x minPct, but not below a flat floor (e.g. HK$50). Method (2) Percentage + interest + fees: balance x minPct plus the current month's interest and any fees. Issuers choose which; method (2) usually yields a higher payment.
Why does paying only the minimum barely reduce the balance?
Because with a high balance and high APR, the current interest can be a large slice of the minimum payment. Example: HK$50,000 at 30% APR, the monthly interest alone is HK$1,250; if the minimum is HK$2,250, only ~HK$1,000 actually repays principal. The balance lingers for years.
What is the flat floor?
When balance x minPct falls below a set amount (commonly HK$50), the issuer charges that floor instead, so small balances don't yield an unrealistically tiny minimum. It protects the issuer from minuscule repayments.
How high is a Hong Kong credit card APR?
HK credit-card revolving APRs commonly exceed 30%; the HKMA example uses about 2.5% per month (~35% effective annual). The high APR is exactly why minimum payments mostly cover interest.
Should I ever rely on the minimum payment?
Only as a short-term emergency to avoid late fees. Long term, paying only the minimum drags debt for years with interest multiple times the principal. Best to pay as much as possible, ideally in full to use the interest-free period, or move the balance to a lower-rate loan / 0% balance transfer. Check your issuer's exact terms.
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參考資料
內容審核：香港計算器財經團隊。計算邏輯與公式參考香港金融管理局（HKMA）及投資者及理財教育委員會（IFEC）之個人理財計算指引，結果僅供參考，實際以相關機構公佈為準。