If the merchants in Hong Kong are confirmed to refund, it depends on whether their pos machines are refunded at that time. If they had refunded at that time, they would have arrived within 72 hours. If they get up in front of the POS all the time and get a refund together, it will take 30 working days for the money to arrive. If you don't have the money in your bill this month, you don't need to repay it.