How to Set Default Value for a Specific Field in a Subform Based on a Condition?

I have a subform called Materials, which contains a checkbox field named Charge. I want to set the Charge field's default value based on the variable g_VIP under the following conditions:

When the page loads (Page.onload).
When the "Add row" button is clicked.

If g_VIP is Y, then set Materials.Charge to False. Otherwise, set Charge to True.

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