It looks like it takes a while for the international ATM network to split out the foreign fee from the withdrawal amount.
For my previous withdrawal from October 29th, I now see a separate Foreign Fee for my withdrawal of $1000 HKD:
10-29 FOREIGN FEE Oct 29 08:05 3016 $ 3.87
10-29 NONCITIBANK ATM WITHDRAWAL Oct 29 08:05 3016 $ 129.00
The fee split takes a while (around 2 days)... and once it happens the 3% charge is readily apparent.
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