Home Eastern District Harmony Garden Block 3

20/F J

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Floor

1/F A 431 ft² 1/F B 484 ft² 1/F C 592 ft² 1/F E 484 ft² 1/F F 431 ft² 1/F G 592 ft² 1/F H 592 ft² 1/F J 592 ft² 1/F K 592 ft² 1/F D 592 ft² 2/F A 431 ft² 2/F B 484 ft² 2/F E 484 ft² 2/F F 431 ft² 2/F G 592 ft² 2/F H 592 ft² 2/F J 592 ft² 2/F K 592 ft² 2/F C 592 ft² 2/F D 592 ft² 3/F A 431 ft² 3/F B 484 ft² 3/F C 592 ft² 3/F D 592 ft² 3/F G 592 ft² 3/F H 592 ft² 3/F J 592 ft² 3/F K 592 ft² 3/F F 431 ft² 4/F A 431 ft² 4/F D 592 ft² 4/F E 484 ft² 4/F F 431 ft² 4/F G 592 ft² 4/F H 592 ft² 4/F K 592 ft² 4/F B 484 ft² 4/F C 592 ft² 4/F J 592 ft² 5/F A 431 ft² 5/F C 592 ft² 5/F D 592 ft² 5/F E 484 ft² 5/F F 430 ft² 5/F G 592 ft² 5/F H 592 ft² 5/F J 592 ft² 5/F K 592 ft² 5/F B 484 ft² 6/F A 431 ft² 6/F B 484 ft² 6/F C 592 ft² 6/F D 592 ft² 6/F E 484 ft² 6/F F 430 ft² 6/F H 592 ft² 6/F J 592 ft² 6/F G 592 ft² 7/F A 431 ft² 7/F B 484 ft² 7/F C 592 ft² 7/F E 484 ft² 7/F F 430 ft² 7/F G 592 ft² 7/F H 592 ft² 7/F D 592 ft² 7/F J 592 ft² 7/F K 592 ft² 8/F A 431 ft² 8/F B 484 ft² 8/F C 592 ft² 8/F D 592 ft² 8/F E 484 ft² 8/F F 430 ft² 8/F G 592 ft² 8/F K 592 ft² 8/F H 592 ft² 8/F J 592 ft² 9/F A 431 ft² 9/F C 592 ft² 9/F D 592 ft² 9/F E 484 ft² 9/F F 431 ft² 9/F G 592 ft² 9/F H 592 ft² 9/F J 592 ft² 9/F K 592 ft² 9/F B 484 ft² 10/F A 431 ft² 10/F B 484 ft² 10/F C 592 ft² 10/F D 592 ft² 10/F E 484 ft² 10/F F 431 ft² 10/F G 592 ft² 10/F H 592 ft² 10/F J 592 ft² 10/F K 592 ft² 11/F A 431 ft² 11/F B 484 ft² 11/F D 592 ft² 11/F F 431 ft² 11/F G 592 ft² 11/F H 592 ft² 11/F J 592 ft² 11/F K 592 ft² 11/F C 592 ft² 11/F E 484 ft² 12/F A 431 ft² 12/F B 484 ft² 12/F D 592 ft² 12/F E 484 ft² 12/F F 431 ft² 12/F G 592 ft² 12/F H 592 ft² 12/F J 592 ft² 12/F K 592 ft² 12/F C 592 ft² 13/F B 484 ft² 13/F C 592 ft² 13/F D 592 ft² 13/F E 484 ft² 13/F F 431 ft² 13/F G 592 ft² 13/F H 592 ft² 13/F K 592 ft² 13/F A 431 ft² 13/F J 592 ft² 14/F A 431 ft² 14/F B 484 ft² 14/F C 592 ft² 14/F D 592 ft² 14/F E 484 ft² 14/F F 431 ft² 14/F G 592 ft² 14/F H 592 ft² 14/F J 592 ft² 14/F K 592 ft² 15/F A 431 ft² 15/F B 484 ft² 15/F C 592 ft² 15/F D 592 ft² 15/F G 592 ft² 15/F H 592 ft² 15/F J 592 ft² 15/F K 592 ft² 15/F E 484 ft² 15/F F 431 ft² 16/F A 431 ft² 16/F B 484 ft² 16/F C 592 ft² 16/F D 592 ft² 16/F E 484 ft² 16/F F 431 ft² 16/F G 592 ft² 16/F H 592 ft² 16/F J 592 ft² 16/F K 592 ft² 17/F A 431 ft² 17/F B 484 ft² 17/F C 592 ft² 17/F D 592 ft² 17/F E 484 ft² 17/F F 431 ft² 17/F G 592 ft² 17/F H 592 ft² 17/F K 592 ft² 17/F J 592 ft² 18/F A 431 ft² 18/F B 484 ft² 18/F C 592 ft² 18/F E 484 ft² 18/F G 592 ft² 18/F H 592 ft² 18/F J 592 ft² 18/F K 592 ft² 18/F D 592 ft² 18/F F 431 ft² 19/F A 431 ft² 19/F B 484 ft² 19/F C 592 ft² 19/F D 592 ft² 19/F E 484 ft² 19/F F 431 ft² 19/F H 592 ft² 19/F J 592 ft² 19/F K 592 ft² 19/F G 592 ft² 20/F B 484 ft² 20/F C 592 ft² 20/F D 592 ft² 20/F F 431 ft² 20/F G 592 ft² 20/F H 592 ft² 20/F J 592 ft² 20/F K 592 ft² 20/F A 431 ft² 20/F E 484 ft² 21/F A 431 ft² 21/F B 484 ft² 21/F C 592 ft² 21/F D 592 ft² 21/F E 484 ft² 21/F F 431 ft² 21/F G 592 ft² 21/F H 592 ft² 21/F J 592 ft² 21/F K 592 ft² 22/F A 431 ft² 22/F B 484 ft² 22/F C 592 ft² 22/F D 592 ft² 22/F E 484 ft² 22/F G 592 ft² 22/F H 592 ft² 22/F J 592 ft² 22/F K 592 ft² 22/F F 431 ft² 23/F A 431 ft² 23/F B 484 ft² 23/F C 592 ft² 23/F D 592 ft² 23/F E 484 ft² 23/F G 592 ft² 23/F H 592 ft² 23/F J 592 ft² 23/F K 592 ft² 23/F F 431 ft² 24/F A 431 ft² 24/F B 484 ft² 24/F C 592 ft² 24/F D 592 ft² 24/F E 484 ft² 24/F F 431 ft² 24/F H 592 ft² 24/F J 592 ft² 24/F K 592 ft² 24/F G 592 ft² 25/F A 431 ft² 25/F B 484 ft² 25/F C 592 ft² 25/F D 592 ft² 25/F E 484 ft² 25/F F 431 ft² 25/F G 592 ft² 25/F H 592 ft² 25/F K 592 ft² 25/F J 592 ft² 26/F A 431 ft² 26/F B 484 ft² 26/F C 592 ft² 26/F D 592 ft² 26/F E 484 ft² 26/F F 431 ft² 26/F G 592 ft² 26/F H 592 ft² 26/F J 592 ft² 26/F K 592 ft² 27/F B 484 ft² 27/F C 592 ft² 27/F D 592 ft² 27/F E 484 ft² 27/F F 431 ft² 27/F G 592 ft² 27/F H 592 ft² 27/F K 592 ft² 27/F A 431 ft² 27/F J 592 ft² 28/F A 431 ft² 28/F B 484 ft² 28/F D 592 ft² 28/F F 431 ft² 28/F G 592 ft² 28/F H 592 ft² 28/F K 592 ft² 28/F C 592 ft² 28/F E 484 ft² 28/F J 592 ft²

Crescira AVM · estimated value ● Medium confidence

HK$4.98M

≈ HK$8,416 / 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$498K, with repayments around HK$21,732/mo for the first 5 years.

Open full planner → Compare mortgage offers →

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$20,450

−HK$1,282/mo

▼ 0.25% · 3.875%

HK$21,086

−HK$646/mo

Today · 4.125%

HK$21,732

baseline

▲ 0.50% · 4.625%

HK$23,055

+HK$1,323/mo

Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,464/mo (50% DSR)

Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,104 · 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: 20/F
Flat: J
Saleable Area: 592 ft²
Gross Area: 693 ft²
Efficiency: 85%
District: Eastern District · Hong Kong Island
School net (POA): 16

Transaction History

Date	Price	Gain / loss	$/ft²	$/ft² gross
2005-07-14	HK$1.53M	+4.1%	—	HK$2,208
1997-03-14	HK$1.47M	—	—	HK$2,121

QoL Matrix

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

Nearest MTR

Chai Wan

≈ 16 min walk · 1,269 m

(quite far — consider other transport options)

Education

schools within 1 km (12 within 500 m)

Daily convenience

within 1 km (8 within 500 m)

Health

hospitals/clinics within 1 km

Recreation

parks, libraries, sports within 1 km

Family-friendly — 21 schools within a 1 km walk.

Everyday convenience — 11 shopping and daily-needs spots nearby.

Green space & leisure — 23 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com