Multi-label retinal screening requires capturing co-occurring pathologies and clinical context, yet standard multimodal fusion remains opaque. We propose a dual-hub heterogeneous graph neural network (GNN) that couples spatial fundus features and structured clinical covariates through cross-modal message passing while providing inherent interpretability. Rather than relying on post-hoc saliency approximations, our architecture exposes multi-level decision pathways during forward aggregation: spatially biased self-attention captures lesion-level patch interactions, while modality-specific graph attention coefficients explicitly quantify the contribution of visual regions and clinical risk factors to each disease node. Evaluated on the BRSET dataset (16,266 photographs from 8,524 patients), the proposed model achieves 76.1% Macro-AUPRC across seven conditions, matching or exceeding image-only (75.9%) and ResNet-50+MLP fusion (75.9%) baselines, with largest contextual gains in macular edema (+3.5%) and diabetic retinopathy (+2.1%). Codebase is available at: https://github.com/proshanto-c/ca-mlc-refactor.

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