

Late arriving flight, time to use Airport Express/MTR?
Hi. A group of 5 of us have a flight into HK arriving 23:25 on a Friday. Does that leave enough time before the last train to go get our bags from baggage claim, hit the ATM, buy train tickets, and catch the train to Kowloon? Our hotel is Hotel Panorama, exit N1 from Tsim Sha Tsui station. It sounds like we would need to take Airport Express to Lai King station, then change to the Tseun Wan line to get to Tsim Sha Tsui station on MTR, right?
When we purchase the single-trip AE tickets at the airport, do we purchase a single ticket to get to Tsim Sha Tsui, or are the AE and MTR legs tickets separate? Do we purchase both at the airport, or do we buy the MTR ticket when we change trains at Lai King station?
We actually have 2 nights in HK before our cruise leaves the next day. If the AE ticket is separate from the MTR ticket, we might buy the 1-day MTR tourist pass to complete the ride from the airport, and utilize the pass throughout the next day.
Lastly, can we use a US credit card (non-chip) to buy the AE and MTR tickets? Or only cash?