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Home Central and Western District GARDEN TERRACE NO. 3 (BLOCK 3)

28/F A

in GARDEN TERRACE NO. 3 (BLOCK 3)

Central and Western District · Hong Kong Island

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Floor
U13/F B 2,828 ft² 1/F A 2,828 ft² 2/F A 2,828 ft² 2/F B 2,828 ft² 3/F A 2,828 ft² 3/F B 2,828 ft² 5/F A 2,828 ft² 5/F B 2,828 ft² 6/F A 2,828 ft² 7/F A 2,828 ft² 7/F B 2,828 ft² 9/F B 2,828 ft² 10/F B 2,828 ft² 11/F A 2,828 ft² 11/F B 2,828 ft² 12/F A 2,828 ft² 12/F B 2,828 ft² 13/F A 2,828 ft² 13/F B 2,828 ft² 15/F A 2,828 ft² 15/F B 2,828 ft² 16/F B 2,828 ft² 19/F A 2,828 ft² 20/F A 2,828 ft² 21/F B 2,828 ft² 22/F A 2,828 ft² 23/F A 2,828 ft² 23/F B 2,828 ft² 25/F A 2,828 ft² 25/F B 2,828 ft² 26/F A 2,828 ft² 26/F B 2,828 ft² 27/F A 2,828 ft² 28/F A 2,828 ft² 28/F B 2,828 ft² 29/F A 2,828 ft² 29/F B 2,828 ft² 30/F A 2,828 ft² 30/F B 2,828 ft² 31/F A 2,828 ft² 31/F B 2,828 ft² 32/F B 2,828 ft² 33/F B 2,828 ft² 35/F B 2,828 ft² 36/F A 2,828 ft² 36/F B 2,828 ft² 37/F B 1,471 ft²
NO.3 (BLOCK 3)
27/F B 2,828 ft² 32/F A 2,828 ft²
Crescira AVM · estimated value ● Medium confidence
HK$93.70M
≈ HK$33,134 / 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 70% mortgage, the deposit on this unit is about HK$28.11M, with repayments around HK$317,889/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$299,131
−HK$18,758/mo
▼ 0.25% · 3.875%
HK$308,435
−HK$9,454/mo
Today · 4.125%
HK$317,889
baseline
▲ 0.50% · 4.625%
HK$337,232
+HK$19,343/mo

Deposit HK$28.11M · loan HK$65.59M · min. income ≈ HK$635,778/mo (50% DSR)

Upfront cash ≈ HK$32.09M (deposit + AVD stamp duty HK$3,982,338 · Scale 2, in force from 26 Feb 2026)

QoL Matrix

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Nearest MTR
Mass Transit Railway Central Station
≈ 11 min walk · 806 m
Education
22
schools within 1 km (7 within 500 m)
Daily convenience
37
within 1 km (4 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
46
parks, libraries, sports within 1 km

Family-friendly — 22 schools within a 1 km walk.

Everyday convenience — 37 shopping and daily-needs spots nearby.

Healthcare close by — 3 hospitals/clinics within 1 km.

Green space & leisure — 46 parks, libraries and sports venues nearby.

Location

Unit Information

Floor
28/F
Flat
A
Saleable Area
2,828 Saleable ft²
Gross Area
3,319 ft²
Efficiency
85%
District
Central and Western District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2007-10-05 HK$38.50M +122.5%
1998-11-18 HK$17.30M —

Other appraised units in this building

U13/F B
2,828 ft²
HK$98.27M
1/F A
2,828 ft²
HK$84.77M
2/F A
2,828 ft²
HK$84.92M
2/F B
2,828 ft²
HK$85.01M
3/F A
2,828 ft²
HK$87.49M
3/F B
2,828 ft²
HK$87.57M
Data sourced from Renavon.com