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12/F A4

in Wai Ching Court

Yau Tsim Mong District · Kowloon

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Floor
Roof 20號 274 ft² Roof 36號 274 ft² 3/F A1 270 ft² 3/F A2 270 ft² 3/F B3 306 ft² 3/F B4 288 ft² 4/F A5 306 ft² 4/F B5 312 ft² 4/F A4 288 ft² 4/F A5 306 ft² 4/F B1 270 ft² 5/F A1 270 ft² 5/F A2 270 ft² 5/F B1 270 ft² 5/F B3 306 ft² 5/F B4 288 ft² 5/F A4 288 ft² 5/F B1 270 ft² 5/F B2 270 ft² 5/F B4 288 ft² 6/F A3 312 ft² 6/F A4 288 ft² 6/F B2 270 ft² 6/F B4 288 ft² 6/F A5 306 ft² 6/F B2 270 ft² 7/F A3 312 ft² 7/F A5 306 ft² 7/F B2 270 ft² 7/F B3 306 ft² 7/F B5 312 ft² 7/F A1 270 ft² 7/F A2 270 ft² 7/F B3 306 ft² 8/F A5 306 ft² 8/F B4 288 ft² 8/F A1 270 ft² 8/F A2 270 ft² 8/F B4 288 ft² 9/F A1 270 ft² 9/F A3 312 ft² 9/F A4 288 ft² 9/F B1 270 ft² 9/F A1 270 ft² 9/F A2 270 ft² 9/F B2 270 ft² 9/F B3 306 ft² 9/F B5 312 ft² 10/F A3 312 ft² 10/F B2 270 ft² 10/F B2 270 ft² 11/F A4 288 ft² 11/F A5 306 ft² 11/F B4 288 ft² 11/F B5 312 ft² 12/F A2 270 ft² 12/F A4 288 ft² 12/F A5 306 ft² 12/F A1 270 ft² 12/F A2 270 ft² 12/F A4 288 ft² 12/F A5 306 ft² 12/F B2 270 ft² 12/F B3 306 ft² 12/F B4 288 ft² 13/F A5 306 ft² 13/F B2 270 ft² 13/F B4 288 ft² 13/F B3 306 ft² 13/F B5 312 ft² 14/F A5 306 ft² 14/F B3 306 ft² 14/F B4 288 ft² 14/F B3 306 ft² 15/F A4 288 ft² 15/F B1 270 ft² 15/F B4 288 ft² 15/F B2 270 ft² 15/F B5 312 ft² 16/F A4 288 ft² 16/F B2 270 ft² 16/F B4 288 ft² 16/F B2 270 ft² 16/F B5 312 ft² 17/F A2 270 ft² 17/F A3 312 ft² 17/F A5 306 ft² 17/F B1 270 ft² 17/F B3 306 ft² 17/F A3 312 ft² 17/F B1 270 ft² 17/F B3 306 ft² 17/F B5 312 ft² 18/F A1 270 ft² 18/F A3 312 ft² 18/F A5 306 ft² 18/F B4 288 ft² 18/F B2 270 ft² 18/F B4 288 ft² 19/F B1 270 ft² 19/F B5 312 ft²
Crescira AVM · estimated value Medium confidence
HK$3.45M
≈ HK$11,979 / ft² saleable · updated 2026-08-01
Not an offer or formal valuation

Mortgage Intelligence

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

Typical HK bank rates as of July 2026 — this site has no live rate feed; check current HIBOR and Prime with your bank.

At today's rate and a 90% mortgage, the deposit on this unit is about HK$345K, with repayments around HK$15,048/mo for the first 5 years.

Mortgage plan · rate basis
H-plan · HIBOR + 1.30%
5.2% → capped 4.125%
Prime Rate (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 90%
Term
▼ 0.50% · 3.625%
HK$14,160
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,600
−HK$448/mo
Today · 4.125%
HK$15,048
baseline
▲ 0.50% · 4.625%
HK$15,963
+HK$915/mo

Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$30,096/mo (50% DSR)

Upfront cash ≈ HK$345K (deposit + AVD stamp duty HK$100 · 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).

Unit Information

Floor
12/F
Flat
A4
Saleable Area
288 ft²
Gross Area
387 ft²
Efficiency
74%
District
Yau Tsim Mong District · Kowloon
School net (POA)
31

Transaction History

Date Price Gain / loss
2006-11-09 HK$800K

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Austin
≈ 3 min walk · 225 m
Education
41
schools within 1 km (11 within 500 m)
Daily convenience
67
within 1 km (30 within 500 m)
Health
16
hospitals/clinics within 1 km
Recreation
55
parks, libraries, sports within 1 km

Excellent connectivity — about 3 min walk to Austin Station (a rail station within an 8-min walk earns this label).

Family-friendly — 41 schools within a 1 km walk.

Everyday convenience — 67 shopping and daily-needs spots nearby.

Healthcare close by — 16 hospitals/clinics within 1 km.

Green space & leisure — 55 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com