489.2。 Monthly interest of Hengxiaohua 1.45%, 5000 points 12 installments. The repayment principal of each installment is 5000/ 12=4 16.7 yuan, and the monthly interest amount is 5000* 1.45%=72.5, which needs to be repaid every month. Hengxiaohua belongs to Beijing Junhang Micro-Gold Information Technology Co., Ltd. Hengxiaohua is a lending software, which has been recognized as a legal institution by the state regulatory financial department.