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4/F NO. 25

in U-C Court

Southern District · Hong Kong Island

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Crescira AVM · estimated value ● Medium confidence
HK$13.71M
≈ HK$13,937 / ft² saleable · updated 2026-10-01
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 70% mortgage, the deposit on this unit is about HK$4.11M, with repayments around HK$46,526/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 70%
Term
▼ 0.50% · 3.625%
HK$43,781
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,143
−HK$1,383/mo
Today · 4.125%
HK$46,526
baseline
▲ 0.50% · 4.625%
HK$49,357
+HK$2,831/mo

Deposit HK$4.11M · loan HK$9.60M · min. income ≈ HK$93,052/mo (50% DSR)

Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,286 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
4/F
Flat
NO. 25
Saleable Area
984 ft²
Gross Area
1,250 ft²
Efficiency
79%
District
Southern District · Hong Kong Island
School net (POA)
18

Transaction History

Date Price Gain / loss
2007-07-04 HK$9.00M +66.7%
11.6y
1995-12-29 HK$5.40M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Ocean Park
≈ 64 min walk · 5,093 m
(quite far — consider other transport options)
Education
6
schools within 1 km (3 within 500 m)
Daily convenience
8
within 1 km (6 within 500 m)
Health
1
hospitals/clinics within 1 km
Recreation
18
parks, libraries, sports within 1 km

Family-friendly — 6 schools within a 1 km walk.

Everyday convenience — 8 shopping and daily-needs spots nearby.

Healthcare close by — 1 hospital/clinics within 1 km.

Green space & leisure — 18 parks, libraries and sports venues nearby.

Location

Other appraised units in this building