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Internally, you may get 2 or 3 days stay in prime season in some resorts. Some older resorts you may be able to find white season stdio 1 week for that amount
Since it is trade with II, you ca deposit only upto white stdio into II. Not II owner I would believe you will have some disadvantage.
The size will not be able to cover you HK for 1BD or free transaction. But you should be able to play with it a little, and decide what you want do with it.
The MF is high because it carry a lot of overhead. The FSP membership fee is fixed until 154k. So you are carry about 3.5 times FSP memebrship than some other people's. If you decide to hold on to it, and add more points, the FSP part will start to avg lower per point.
Jya-Ning
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