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Home Central and Western District GARDEN TERRACE NO. 2 (BLOCK 2)

28/F B

in GARDEN TERRACE NO. 2 (BLOCK 2)

Central and Western District · Hong Kong Island

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Floor
1/F B 2,580 ft² 2/F B 2,580 ft² 3/F A 2,580 ft² 5/F A 2,580 ft² 5/F B 2,580 ft² 6/F A 2,580 ft² 6/F B 2,580 ft² 7/F A 2,580 ft² 8/F B 2,580 ft² 9/F A 2,580 ft² 10/F A 2,580 ft² 11/F A 2,565 ft² 12/F A 2,565 ft² 12/F B 2,571 ft² 13/F B 2,580 ft² 14/F A 2,565 ft² 14/F B 2,580 ft² 15/F A 2,580 ft² 15/F B 2,571 ft² 16/F A 2,565 ft² 16/F B 2,580 ft² 17/F A 2,565 ft² 17/F B 2,580 ft² 18/F A 2,565 ft² 18/F B 2,571 ft² 19/F A 2,580 ft² 19/F B 2,580 ft² 21/F B 2,580 ft² 22/F A 2,580 ft² 22/F B 2,580 ft² 23/F A 2,580 ft² 23/F B 2,580 ft² 24/F A 2,580 ft² 24/F B 2,580 ft² 25/F B 2,580 ft² 26/F A 2,580 ft² 26/F B 2,580 ft² 27/F A 2,580 ft² 28/F A 2,580 ft² 28/F B 2,580 ft² 29/F A 2,580 ft² 29/F B 2,580 ft² 30/F A 2,580 ft² 30/F B 2,580 ft² 32/F B 2,580 ft² 36/F A 2,580 ft² 36/F B 2,580 ft² 37/F A 1,376 ft² 37/F B 1,346 ft²
NO.2 (BLOCK 2)
1/F A 2,580 ft² 2/F A 2,580 ft² 3/F B 2,580 ft² 4/F B 2,580 ft² 7/F B 2,580 ft² 13/F A 2,580 ft² 25/F A 2,580 ft²
Crescira AVM · estimated value ● Medium confidence
HK$67.09M
≈ HK$26,004 / 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$20.13M, with repayments around HK$227,612/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$214,181
−HK$13,431/mo
▼ 0.25% · 3.875%
HK$220,843
−HK$6,769/mo
Today · 4.125%
HK$227,612
baseline
▲ 0.50% · 4.625%
HK$241,461
+HK$13,849/mo

Deposit HK$20.13M · loan HK$46.96M · min. income ≈ HK$455,224/mo (50% DSR)

Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$2,851,397 · Scale 2, in force from 26 Feb 2026)

QoL Matrix

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Nearest MTR
Mass Transit Railway Central Station
≈ 10 min walk · 771 m
Education
23
schools within 1 km (9 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 — 23 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
B
Saleable Area
2,580 Saleable ft²
Gross Area
3,009 ft²
Efficiency
86%
District
Central and Western District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2004-12-01 HK$29.00M —

Other appraised units in this building

1/F B
2,580 ft²
HK$61.94M
2/F B
2,580 ft²
HK$61.89M
3/F A
2,580 ft²
HK$63.05M
5/F A
2,580 ft²
HK$63.89M
5/F B
2,580 ft²
HK$63.95M
6/F A
2,580 ft²
HK$64.87M
Data sourced from Renavon.com