Before Seung Yu Chun left little Chow Chi Yerk to Cheung 3 Fung, Seung told Cheung that Chow was the daughter of a simple fisherman.
Perhaps that was actually the case, but do you find Chow Chi Yerk's background a bit suspect? Her later wulin savvy as a member of the Ngor Mei Sect suggests that she was familiar with the ways of wulin from a very early age. Moreover, her surname was *Chow*...the same surname as that of the boy for whom Seung Yu Chun was also caring when the trio first encountered Cheung 3 Fung and little Cheung Mo Gei. That boy of the surname Chow was the son of an anti-Mongol rebel (e.g. a wulin person). I've always suspected that despite what Seung Yu Chun told Cheung 3 Fung, Chow Chi Yerk was actually that boy's sister and thus, the daughter of that anti-Mongol rebel. It would explain so much about Chow Chi Yerk's character.