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31/F B

in Conduit Tower

Central and Western District · Hong Kong Island

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Crescira AVM · estimated value ● Medium confidence
HK$11.91M
≈ HK$21,008 / ft² saleable · updated 2026-09-01
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$3.57M, with repayments around HK$40,410/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$38,025
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,208
−HK$1,202/mo
Today · 4.125%
HK$40,410
baseline
▲ 0.50% · 4.625%
HK$42,869
+HK$2,459/mo

Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$80,820/mo (50% DSR)

Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,674 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
31/F
Flat
B
Saleable Area
567 ft²
Gross Area
732 ft²
Efficiency
77%
District
Central and Western District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2026-06-26 HK$11.40M +8.6%
11.1y
2015-05-15 HK$10.50M +57.0%
5.5y
2009-11-12 HK$6.69M +4.5%
11.6y
1998-04-17 HK$6.40M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Central
≈ 11 min walk · 821 m
Education
39
schools within 1 km (13 within 500 m)
Daily convenience
57
within 1 km (6 within 500 m)
Health
11
hospitals/clinics within 1 km
Recreation
57
parks, libraries, sports within 1 km

Family-friendly — 39 schools within a 1 km walk.

Everyday convenience — 57 shopping and daily-needs spots nearby.

Healthcare close by — 11 hospitals/clinics within 1 km.

Green space & leisure — 57 parks, libraries and sports venues nearby.

Location

Other appraised units in this building