Either one will do provided that it has the mark 'Plus' at the back of the card and you need to find a machine with a 'Plus' mark as well. Mine is HSBC visa card. If your credit card is a MasterCard, then the mark at the back should be 'Circus'. In that case you need to find ATM machine with the mark 'Circus'. Take it easy, you can find both type of machines at the airport and MTR stations.
Sorry that I have to reply in English, the Chinese input device of my computer is out of order.
I just receive Hang Seng Credit card statement for the purchase in Taiwan last month and the exchange rate was 3.94 (including all processing charge). I think it is not too bad.