4/F 1

in WHAMPOA ESTATE LOK FU BUILDING (BLOCK U)

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1/F 1 494 ft² 1/F 2 323 ft² 1/F 4 494 ft² 1/F 5 494 ft² 1/F 6 323 ft² 2/F 5 477 ft² 2/F 6 330 ft² 2/F 7 323 ft² 3/F 2 323 ft² 3/F 3 323 ft² 3/F 4 494 ft² 3/F 5 494 ft² 3/F 6 323 ft² 3/F 8 494 ft² 4/F 1 494 ft² 4/F 4 477 ft² 4/F 5 494 ft² 4/F 6 323 ft² 4/F 7 323 ft² 5/F 2 323 ft² 5/F 3 323 ft² 5/F 4 494 ft² 5/F 5 477 ft² 5/F 6 323 ft² 5/F 7 323 ft² 6/F 2 323 ft² 6/F 5 494 ft² 6/F 6 330 ft² 6/F 7 323 ft² 6/F 8 494 ft² 7/F 1 477 ft² 7/F 3 323 ft² 7/F 5 494 ft² 7/F 7 330 ft² 8/F 1 494 ft² 8/F 2 323 ft² 8/F 6 323 ft² 8/F 8 494 ft² 9/F 2 330 ft² 9/F 3 323 ft² 9/F 4 494 ft² 9/F 5 494 ft² 9/F 6 330 ft² 9/F 8 477 ft² 10/F 1 477 ft² 10/F 2 323 ft² 10/F 4 494 ft² 10/F 6 323 ft² 10/F 7 330 ft² 10/F 8 477 ft² 11/F 2 330 ft² 11/F 5 494 ft² 11/F 8 494 ft² 12/F 2 323 ft² 12/F 3 323 ft² 12/F 4 494 ft² 13/F 1 494 ft² 13/F 2 323 ft² 13/F 4 494 ft² 13/F 5 494 ft² 13/F 6 323 ft² 13/F 7 323 ft² 13/F 8 494 ft² 14/F 1 494 ft² 14/F 2 323 ft² 14/F 3 323 ft² 14/F 6 323 ft² 14/F 7 323 ft² 15/F 1 453 ft² 15/F 2 327 ft² 15/F 3 327 ft² 15/F 4 453 ft² 15/F 6 327 ft² 15/F 8 453 ft²

Estimate Mortgage & QoL Unit Information Transaction History

Crescira AVM · estimated value ● Medium confidence

HK$5.10M

≈ HK$10,330 / ft² saleable · updated 2026-06-01

Not an offer or formal valuation

Fully appraised HIBOR 1M · 3.9% Prime · 6.125%

At today's rate and a 90% mortgage, the deposit on this unit is about HK$510K, with repayments around HK$22,258/mo for the first 5 years.

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Mortgage plan · rate basis

H-plan · HIBOR + 1.30%

5.2% → capped 4.125%

P-plan · P − 2.00%

4.125%

The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.

If rates change · monthly repayment

LTV

Term

▼ 0.50% · 3.625%

HK$20,945

−HK$1,313/mo

▼ 0.25% · 3.875%

HK$21,596

−HK$662/mo

Today · 4.125%

HK$22,258

baseline

▲ 0.50% · 4.625%

HK$23,613

+HK$1,355/mo

Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,516/mo (50% DSR)

Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,817 · Scale 2, in force from 26 Feb 2026)

Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).

QoL Matrix

View full Quality-of-Life page → Government open data

Nearest MTR

Mass Transit Railway Whampoa Station

≈ 4 min walk · 244 m

Education

schools within 1 km (20 within 500 m)

Daily convenience

within 1 km (30 within 500 m)

Health

hospitals/clinics within 1 km

Recreation

parks, libraries, sports within 1 km

Excellent connectivity — about 4 min walk to Mass Transit Railway Whampoa Station Station.

Family-friendly — 37 schools within a 1 km walk.

Everyday convenience — 42 shopping and daily-needs spots nearby.

Healthcare close by — 5 hospitals/clinics within 1 km.

Green space & leisure — 47 parks, libraries and sports venues nearby.

Location

Unit Information

Floor: 4/F
Flat: 1
Saleable Area: 494 Saleable ft²
Gross Area: 650 ft²
Efficiency: 76%
District: Kowloon City District · Kowloon
School net (POA): 35

Transaction History

Date	Price	Gain / loss	$/ft²	$/ft² gross
2021-04-28	HK$7.00M	+22.0% 6.3y · 3.0%/yr	HK$14,170	HK$10,769
2015-01-13	HK$5.74M	+39.0%	HK$11,619	HK$8,831
2012-03-22	HK$4.13M	+36.3%	HK$8,360	HK$6,354
2010-03-24	HK$3.03M	+16.5%	HK$6,134	HK$4,662
2010-01-05	HK$2.60M	+92.6%	HK$5,263	HK$4,000
2003-03-21	HK$1.35M	+8.9%	HK$2,733	HK$2,077
2003-01-08	HK$1.24M	−58.4%	HK$2,510	HK$1,908
1997-04-18	HK$2.98M	+11.2%	HK$6,032	HK$4,585
1997-03-04	HK$2.68M	—	HK$5,425	HK$4,123

Other appraised units in this building

Data sourced from Renavon.com