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At today's rate and a 90% mortgage, the deposit on this unit is about HK$451K, with repayments around HK$19,689/mo for the first 5 years.
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%.
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,378/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,890 · 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).
of income on repayments ·
QoL Matrix
Excellent connectivity — about 5 min walk to Mass Transit Railway North Point Station Station.
Family-friendly — 46 schools within a 1 km walk.
Everyday convenience — 47 shopping and daily-needs spots nearby.
Healthcare close by — 3 hospitals/clinics within 1 km.
Green space & leisure — 44 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 12/F
- Flat
- B
- Saleable Area
- 327 Saleable ft²
- Gross Area
- 465 ft²
- Efficiency
- 70%
- District
- Eastern District · Hong Kong Island
- School net (POA)
- 14
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2020-08-17 | HK$5.80M | +28.9% 3.9y · 7.0%/yr |
| 2016-10-20 | HK$4.50M | +63.0% 5.6y · 11.0%/yr |
| 2011-03-31 | HK$2.76M | +25.5% |
| 2010-08-12 | HK$2.20M | +8.4% |
| 1997-01-10 | HK$2.03M | — |