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16/F B

in Cathay Lodge

Wan Chai District · Hong Kong Island

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Crescira AVM · estimated value Medium confidence
HK$6.70M
≈ HK$17,681 / 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 90% mortgage, the deposit on this unit is about HK$670K, with repayments around HK$29,229/mo for the first 5 years.

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$27,504
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,360
−HK$869/mo
Today · 4.125%
HK$29,229
baseline
▲ 0.50% · 4.625%
HK$31,007
+HK$1,778/mo

Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,458/mo (50% DSR)

Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$201,031 · 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).

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Mass Transit Railway Wan Chai Station
≈ 5 min walk · 362 m
Education
29
schools within 1 km (14 within 500 m)
Daily convenience
63
within 1 km (33 within 500 m)
Health
20
hospitals/clinics within 1 km
Recreation
66
parks, libraries, sports within 1 km

Excellent connectivity — about 5 min walk to Mass Transit Railway Wan Chai Station Station.

Family-friendly — 29 schools within a 1 km walk.

Everyday convenience — 63 shopping and daily-needs spots nearby.

Healthcare close by — 20 hospitals/clinics within 1 km.

Green space & leisure — 66 parks, libraries and sports venues nearby.

Location

Unit Information

Floor
16/F
Flat
B
Saleable Area
379 Saleable ft²
Gross Area
585 ft²
Efficiency
65%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2025-06-20 HK$5.60M −25.3%
6.7y · −4.0%/yr
2018-10-12 HK$7.50M +21.0%
3.1y · 7.0%/yr
2015-09-17 HK$6.20M +85.1%
2008-04-18 HK$3.35M +28.8%
2007-03-03 HK$2.60M +7.4%
2001-09-26 HK$2.42M
Data sourced from Renavon.com